How to Set Up a Personal Tax Account with HMRC

PHS Team

25 Sep, 2025

To set up a personal tax account, you must visit the official HMRC website and follow the registration steps using your National Insurance number and a valid form of identification, such as a passport or payslip.

You’ll set up a Government Gateway user ID, create a password, and complete two-step verification for security. In this blog, we will explain in detail how to set up a personal tax account with HMRC, making it easy for you to register and sign in.

Having an HMRC personal tax account allows you to manage your taxes online, check your tax code, claim refunds, and update details quickly and securely.

Why Create a Personal Tax Account?

Creating an HMRC personal tax account gives you a simple and safe way to manage your tax affairs online. Here are the reasons to set up a personal tax account:

• Tax Details:
  You can quickly check your tax code to make sure you’re paying the right amount of tax.
   
• Update Info:
  You can easily update your address or contact details to keep HMRC records accurate.
   
• NI & Pension:
  You can keep track of your National Insurance contributions and see your state pension estimate.
   
• Self Assessment:
  You can easily submit and track your tax returns online without any difficulties.
   
• Benefits & Allowances:
  Claim marriage allowance or report changes to Child Benefit to get the right support.

What Do You Need to Set Up a Personal Tax Account?

To register for a personal tax account, you need:

• A National Insurance Number
• Your UK passport (in date), or P60, or a recent payslip
• A current mobile or landline number for two-step security
• An active email address

Step-by-Step: How to Set Up a Personal Tax Account

1. Visit HMRC Site:
   Go to www.gov.uk/personal-tax-account to start creating your account.
    
2. Create Sign-In Details:
   Click “Sign in” and then “Create sign-in details.” Enter your email, pick a password, and a recovery word.
    
3. Verify Identity:
   Provide your National Insurance number and choose a way to prove who you are (passport, payslip, P60, etc.).
    
4. Set Up Security:
   Receive a code by text or call and enter it to protect your account.
    
5. Finish Registration:
   Answer a few extra questions to confirm your identity and complete the setup.
    
6. Sign In Anytime:
   Use your Government Gateway ID and password to access your personal tax account whenever you want.
    

What Can You Do Once Signed In?

Once you sign in to your personal tax account, you can easily manage your tax details anytime. You can view and update your tax code and income information to ensure accuracy. It also lets you submit or check your tax returns and payments quickly.

With your personal tax account login, you can securely access tax records anytime. Additionally, manage your pension forecasts and benefits hassle-free, all in one secure online place.

Latest Features and Updates for 2025

HMRC has introduced some important changes to make tax reporting and management easier for 2025. These updates focus on new digital services, changes in interest rates, and filing requirements.

• Easier Side-Income Reporting
  From late 2025, HMRC will offer a new digital service to report earnings up to £2,999, making tax for small side jobs easier.
   
• Higher Interest on Overdue Tax
  Interest rates on late tax payments have increased, so it’s important to pay your taxes on time to avoid extra charges.
   
• Filing Limitations
  Some income types may still need to be reported outside the personal tax account platform, so check carefully what applies to you.

Conclusion

To conclude, setting up your HMRC personal tax account is a simple step that brings many benefits. It gives you easy, secure access to your tax records and allows you to manage tax codes, submit returns, and track payments all in one place.

Staying up to date with the latest 2025 features will help you avoid penalties and make tax management smoother.

How PHS Associates Can Help You

If you need assistance with setting up or managing your personal tax account, PHS Associates is here to support. Contact us at 0208 8611685 or email info@phs-uk.co.uk for expert guidance and friendly help designed to your needs. Let us make your tax journey easier and stress-free.
 

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