How to navigate customs and VAT after Brexit

How to navigate customs and VAT after Brexit

Navigating customs and VAT will change after Brexit. As of 1 January 2021, UK businesses have to consider imports and exports to and from the European Union (EU) countries as they do for countries outside the EU. Complex customs procedures will apply and VAT will also change. The UK government has measures aimed at easing the administrative load and reducing the impact on cash flow.

Where is the UK with Brexit?

The UK officially left the EU on 31 January 2020, and the transition period ends 31 December 2020. New rules will be implemented on 1 January 2021During the transition period, UK businesses have had to make few if any changes to continue day-to-day business, being still within the EU customs and VAT systems with no trade borders and customs formalities.

However, major adjustments will be required for businesses importing and exporting to and from the EU as of 1 January 2021. Customs and VAT will have to be handled like trading with non-EU countries, and this will likely be the case regardless of whether the UK can negotiate a deal with the EU.

Customs issues are complicated, especially to businesses having only experienced seamless movement across EU borders. Throughout this article, we refer to Great Britain, which is the geographical territory comprising England, Wales and Scotland separately from the United Kingdom, which comprises England, Wales, Scotland and also Northern Ireland.

This distinction is important because, in terms of imports and exports, Northern Ireland will be treated differently compared to the rest of the UK. 

Importing from the EU to the UK after the Brexit transition period

Here’s what you need to know and set up, before importing goods from the EU after the end of the transition period.


How to delay customs import declarations for up to six months?

Most goods will not require immediate import declarations for goods at the UK border, or advance authorisation for six months, from 1 January 2021 to 30 June 2021.
Exceptions are controlled goods (such as alcohol, tobacco and hydrocarbon products), or if HMRC has explicitly said your business cannot use this scheme. This might be the case if a business has a poor record in other areas of compliance.

There is a handful of qualifying factors for the use of the system:

  • Businesses must be located in Great Britain. The Northern Ireland Protocol means Northern Ireland has its own rules (see the Northern Ireland VAT and customs after 1 January 2021 section).
  • Goods must have been in free circulation in the EU prior to import to the UK.
  • Businesses need to make a supplementary rather than full customs declaration within six months of the import date and have been authorised by HMRC to use simplified declarations. If you do this yourself, rather than via a third party, you’ll need to be registered for the CHIEF system (known as getting a CHIEF badge), and have CHIEF-compatible software.
  • Since simplified declarations require a duty deferment account, you’ll also need to apply for this with HMRC.

To use this system, businesses need to make an entry in their own records for each import, known as Entry In Declarant’s Records (EIDR). This should record the customs import information.

Businesses will also need to make a supplementary declaration and Intrastat declaration within six months. 


What is the EORI number?

An Economic Operators Registration and Identification (EORI) number is a way of identifying businesses or operators who export or import to the EU. It will be required for both customs and VAT documentation.

UK businesses will need one or more of three different types of EORI number as of 1 January 2021, depending on where you import and export:

  • Business in Great Britain: To trade goods with EU countries, you’ll need an EORI number that starts with GB. However, if your business only moves goods between Northern Ireland and the Republic of Ireland – and nowhere else – then it won’t usually require an EORI number.
  • Businesses moving goods to or from Northern Ireland: If you move goods to or from Northern Ireland (outside of moving goods to the Republic of Ireland), you’ll need a second EORI number that starts with XI.
  • Businesses making declarations or getting customs decisions in EU countries: If your business makes declarations or gets customs decisions in an EU country, you’ll need to get an EORI from the customs authority in the EU country where you submit your first declaration or request your first decision.

If you previously used an EORI number from the days of the UK’s membership of the EU, you may need to apply for one or more additional EORI numbers. However, if you already have a number starting with GB and don’t declare customs in the EU or deal with Northern Ireland, this will be sufficient.

Starting in late 2019, HMRC began automatically issuing new EORI numbers that begin with GB to UK businesses it believed need them. Businesses who did not receive one and need one should apply now. According to HMRC, it may take a week for the application to be completed.

Furthermore, in December 2020, HMRC will begin automatically issuing EORI numbers that begin with XI to businesses it believes need one. However, businesses will not receive one unless they have an EORI beginning with GB.


Community codes for customs

Customs relies on the correct classification of goods for the correct tariff and quota to be applied. Fortunately, custom codes are based on the same Harmonised System (HS) maintained by the World Customs Organisation (WCO).

Within the EU and UK, these codes are known as commodity codes (CC). They’re required for import and export documentation and decide tariffs and VAT (if any). Therefore, it is very important to use the correct commodity code.

As of 1 January 2021, the UK will continue to use the same code system as is currently used in the EU. Commodity codes are eight digits long for goods you export and 10 digits long for goods you import. Businesses need to know which code applies to the goods they wish to import – the government offers a free look-up tool online.


Applying tariffs for customs

Tariffs are a form of tax paid on imports, applied by the country to which the import is made. Tariffs in the UK are payable to HMRC. Tarifs are also referred to as duty and calculated based on the commodity code.

As of 1 January 2021, the UK Global Tariff (UKGT) will replace the EU’s Common External Tariff. The UKGT will apply to all imports from countries for which the UK does not have a trade agreement.

This will include countries within the EU in the event of a no-deal outcome at the end of the transition period. Businesses can check the tariff for an import using the government’s website look-up tool.

Companies importing only a limited amount of a product – measured in terms of weight, volume, quantity or value – might be able to use a tariff-rate quota. This means they would pay zero tariffs or a reduced rate.

For entities exporting to an EU country, the customer may need to pay an import tariff. This will depend on whether the UK and EU reach a trade agreement. 


Customs declarations for import

Simplified declarations can be used until 30 June 2021 for goods from EU countries. Afterwards business will need to ensure that a customs import declaration is made for goods that enter the UK from other countries including the EU unless they’re going into temporary storage.

The declaration includes a number of pieces of information including the EORI, commodity code, customs procedure code (CPC), the value of goods, the weight or size and country of origin.

Import declarations require software integrated into the government’s Customs Handling of Import and Export Freight (CHIEF) system. Eventually, this will be replaced with the Customs Declaration Service, or CDS, which must be used for goods moving to or from Northern Ireland.

The CHIEF system remains in use and should be used as of 1 January 2021 for most imports and exports. 

However, businesses may not need to create full customs declarations each time. Most goods imported to the UK can use the simplified frontier declaration system. This can mean goods pass through UK customs more quickly, reducing the amount of work upfront to import goods.

However, companies need to make a supplementary declaration later. Businesses need to be authorised to use the simplified declaration procedures, and need a duty deferment account as well as the CHIEF system.


Duty deferment account

Businesses importing regularly can apply to pay VAT and excise duty monthly, rather than paying upon import. A duty deferment account may require a bank or an insurance company to act as an approved guarantor on your behalf. The duty deferment account is mandatory for the simplified frontier declaration system.


Import licences

Companies may need to apply for licences to import certain goods into the UK. Some goods might require an inspection fee to be paid.


Incoterms

The commercial terms of trade (Incoterms) in business contracts show who is responsible for customs duties, import VAT, and any additional transportation and insurance costs.
Additionally, Incoterms determine when risk and liability pass from the seller to the buyer. This will not be as clear cut with customs borders, compared to the free travel of goods before Brexit/end of the withdrawal period.


Transport logistics

Transport organisations for the transport of goods across borders, such as sea shipping, couriers or air freight, will need to know many details before shipping commences. In additional businesses may have to use the correct border inspection post and pre-notification of the movement of goods. The government’s general Brexit preparedness tool for business helps to discover this information.

Exporting from the UK to the EU after the  Brexit transition period ends

Here’s what businesses need to know, or set up, before exporting goods from the UK after the end of the transition period.


EORI number

Companies need a UK EORI number beginning with GB or XI to export goods out of the UK. They also need to know the EU EORI number for the European business they are exporting to. Businesses need to contact all businesses they export to in the EU to ensure they have an appropriate EORI number ready for the end of the Brexit transition period. Moving goods to their warehouse in the EU requires your own EU EORI number.


Commodity codes

The importer in the EU will need to pay tax and duty on what is exported to them. Therefore, it’s vital to ensure businesses use the correct commodity codes.


Export declarations

For businesses making declarations themselves, they will need to register for and use the National Export System (NES), to make declarations electronically. Furthermore, they will need a CHIEF badge role.
Following this, exporters can make export declarations via the web, email, or using software. Web declarations require a Government Gateway ID and password. The Community System Provider (CSP) is an alternative. Businesses can use their own import/export software to access their system, and CHIEF registration. However, there will be a fee.


Export licences

Some goods require export licences, and there are additional rules specific to alcohol, tobacco and certain oils, and for controlled goods. 


Incoterms

Businesses should review the commercial terms of trade (Incoterms) in contracts relating to delivery of goods for export. These will show who is responsible for customs duties, import VAT and any additional insurance and transportation costs.
Additionally, they determine when risk and liability passes from seller to buyer.


Transporting goods

Businesses can utilise commercial goods transportation services, which is certainly the easiest option, or opt to use their own transport. Operator licences and permits will be required and the driver will need to be eligible to drive abroad (and will need to ensure they carry the correct documents), and there might be rules for certain goods that need to be transported.
Businesses that export a lot of goods might want to apply for authorised consignee and/or consignor status to avoid the need to use customs offices to start and end transit of goods.


Trade tariffs

Customers in the EU may now have to pay tariffs when importing from UK businesses. This may affect pricing calculations and impact demand.

How to calculate VAT after the Brexit transition period ends

In this section, discover how VAT will be changing (and what won’t change), learn about VAT on imports and exports, and find out how Northern Ireland will be affected.


How will VAT change after Brexit?

Domestic VAT rules remain the same following the end of the transition period. However, VAT rules relating to imports and exports to and from the EU will change.
Before Brexit and during the transition period, the UK was part of the EU VAT regime. This means a UK business doesn’t have to register for VAT in each EU country, and instead applies a common set of rules concerning VAT.
UK businesses were able to use various VAT simplifications such as distance selling thresholds and online VAT refund process. However, as of 1 January 2021, UK businesses will need to treat EU countries like they already do countries outside the EU.
The VAT terminology will change accordingly. Trade with EU countries will cease to be called dispatches and acquisitions, and will instead be referred to as imports and exports – again, in line with trade with non-EU countries.

In broad terms, VAT will be payable upon import, although the UK government has introduced the postponed VAT payment system to avoid cash flow issues. This lets businesses import goods into the UK account for the VAT on their next VAT Return, and means the goods can be released from customs without the need for VAT payment.

Nothing will effectively change from a cash flow point of view, although there will be new administrative requirements.
Note that the rules for Northern Ireland again differ, and are explained separately below.


Import VAT

Before Brexit/end of the transition period, VAT-registered businesses applied VAT through the EU reverse charge on intra-community acquisitions. Goods imported from anywhere in the world have to account for import VAT. And as of 1 January 2021 this will include the countries within the EU.

This only applies if the value exceeds £135. For imports beneath this amount you must use the new e-commerce rules (even if the goods were not traded via e-commerce).

VAT is applied at the point the goods are to enter free circulation, the VAT tax point. This might be at the port of entry but could be when goods are released from customs warehousing if customs special procedures are used.

However, businesses need to collect evidence from HMRC regarding the point the goods entered free circulation for your VAT records. VAT can be paid at the tax point, in which case monthly C79 reports should be obtained from HMRC, as when importing from outside the EU.

Most businesses are likely to make use of the postponed VAT accounting system.

Similar to the existing reverse charge mechanism, import VAT is not physically paid upfront and then reclaimed on the subsequent VAT return. Instead, it’s accounted for as input and output VAT on the same VAT return.

Although postponed VAT accounting is optional, it’s mandatory if you defer the submission of customs declarations. It’s worth remembering that postponed VAT accounting can now be used for all imports outside of the EU too. This represents a change from how VAT was accounted for prior to the end of the transition period, and is likely to provide a cash flow boost for businesses that import from outside the EU.

A new online monthly statement will be available as part of the postponed VAT accounting system. It’ll show the import VAT postponed for the previous month on a transactional basis and when you should include it in your VAT Return (that is, the correct tax point).

When it comes to VAT on services, as a general rule following Brexit/end of the transition period, sales of cross border purchases of services from one business to another (B2B) will remain subject to tax in the country of the customer (with some exceptions). Therefore, the tax is generally accounted for as reverse charge in the destination country by the recipient of the service.


VAT on imports £135 and under

Alongside the end of the transition period on 1 January 2021, the UK is introducing additional measures for overseas goods arriving into Great Britain from outside the UK:

  • Low-Value Consignment Relief (LVCR) is being removed. Previously, this exempted imports with a value below £15 from import VAT.
  • Online marketplaces (OMPs), where they are involved in facilitating the sale, will be responsible for collecting and accounting for the VAT.
  • VAT on imports with a consignment value of £135 or lower will have VAT applied at the point of sale, rather than applied as import VAT at customs. For B2C transactions this UK VAT will be charged and collected by the seller but for B2B transactions, the VAT will be reverse charged to the customer.

Essentially, this means foreign sellers sending goods into the UK will need to charge UK VAT and apply to be part of the UK VAT system when supplying goods with a value of £135 or less to end consumers (that is, non-VAT-registered individuals).

Businesses who receive goods of £135 or less will have to account for the VAT as part of the reverse charge procedure, declaring the VAT on their next VAT Return. Normal rules apply for the tax point, which is to say, it will usually be the invoice date.

Additionally, the recipient business should ensure the seller knows their VAT number, or the seller will have no choice but to treat it was a B2C sale and apply VAT. The UK measures in some respects mirror those due to be rolled out in the EU from July 2021 under the EU 2021 VAT e-Commerce Package.


VAT on exports

The VAT for exporting goods to EU countries also changes. Exports to EU countries are treated like those to non-EU countries, which is to say, they should be zero-rated for UK VAT. This will apply regardless of whether you’re exporting goods to a consumer (B2C), or to a business (B2B). In other words, there’s no longer any need to observe distance selling regulations or to verify the VAT status of the recipient business.

Businesses selling B2C to the EU may need to register for EU VAT and appoint fiscal representatives depending on the requirements of the countries in which they sell.

It’s important to understand zero-rate goods for VAT does not mean businesses can simply forget about VAT. It means you apply a 0% VAT rate. No VAT is payable but you still have to include the exports as part of your VAT accounting.

When it comes to purchasing services, rather than goods cross-border, things continue much as they did before 1 January 2021.

Under the place of supply rules, B2B sales of services will continue to be generally subject to tax in the country of the customer and administered through reverse charge, with some exceptions. B2C sales of services will continue to be generally subject to tax in the country of the seller, again with some exceptions.

However, UK businesses that use the Mini One-Stop Shop (MOSS) system will need to register for the non-union MOSS and will no longer benefit from a €10k threshold before having to apply the place of supply rules.

This means many more businesses may be liable to VAT in the countries they sell digital services to and will need to register for non-union MOSS.

Northern Ireland VAT and customs after 1 January 2021

When it comes to customs and VAT after the end of the transition period, Northern Ireland isn’t like the three other countries that comprise the UK. It will use the Northern Ireland Protocol, which is part of the Withdrawal Agreement between the UK and EU that aims to avoid a customs border (known as a hard border) between Northern Ireland and the Republic of Ireland (ROI).

There are different rules for the supply of goods and services, and this is what is currently proposed by the government:

Goods

Northern Ireland will remain part of the EU customs and VAT regime when it comes to trade with the Republic of Ireland and the rest of the EU. From a customs perspective, moving goods from Northern Ireland to Great Britain won’t change. There will be no additional processes, paperwork, or restrictions.

From a VAT perspective, these movements will continue to be treated like domestic sales and purchases as they are today. This means that, among other things, there won’t be import VAT due on movements.

Services

Services are excluded from the Northern Ireland Protocol, so sales of services between Northern Ireland and the Ireland/EU from 1 January 2021 will be treated like Third Country supplies.
As already mentioned, this results in very little change from a VAT perspective. Similarly, nothing will change for supplies of services between Great Britain and Northern Ireland, and they will continue to be considered domestic supplies.

Trader Support Service

The UK government will run a new Trader Support Service for businesses moving goods to and from Northern Ireland. This will provide free support to businesses buying and selling between Northern Ireland and Great Britain. The support service will also be help if you bring goods into Northern Ireland from outside the UK.

However, negotiations are still taking place between the UK and EU to decide how goods will be moved between Northern Ireland and the UK with regard to customs and VAT. The rules above could be altered.

Conclusion on customs and VAT after Brexit

The UK government has taken measures to try and minimise disruption for businesses. However, the new customs and VAT requirements represent a significant upheaval for all businesses. Businesses  should immediately review supply chains and assess the potential implications, such as the need for EORI numbers, changes in VAT reporting obligations and payments.

Additionally, companies need to ensure they meet the evidence requirements for VAT zero-rating exports. Systems and software changes may be required. Businesses may need to seek professional help with customs or invest in new IT infrastructure if they intend to do-it-yourself via the CHIEF badge system.

Suppliers of any invoicing or accounting software can advise on any changes or upgrades to ensure that Brexit-related changes will correctly be applied.

Questions about VAT and customs after brexit? Get in touch with us to book a consultation at info@acuaccounts.com or call us directly on 0203 907 9027.

How to file for your next self assessment

How to file for your next self assessment

Self assessment is how HM Revenue and Customs (HMRC) collects income tax not automatically deducted from wages, pensions and savings. People and businesses with other income must report it in a tax return.

Company directors, self-employed or members of partnerships need to file for self assessment. Likewise, if you have made additional untaxed income of more than £2,500 for example by renting out property, you will also have to file for self assessment.

When is the 2019/2020 self assessment due?

Your self assessment tax return for the tax year which started on 6 April 2019 and ended on 5 April 2020 is due by Midnight January 31st 2021 if you file online. The deadline for filing a paper return was October 31st 2020. Furthermore, the tax you owe will also be due on January 31st 2021. 

If you have never submitted a return before, you will first need to register for Self Assessment. It can take up to 20 working days for receiving your Unique Taxpayer Reference (UTR) in the post. 

There are different ways to register if you’re self-employed, not self-employed but need to declare income, or if you’re in a partnership. The registration for 2019/2020 should have happened by 5th October 2020. To register you need your National Insurance (NI) number and personal and business details.

Who needs to file for self assessment?

You will need to file for self assessment in the following cases: 

  • your self-employment income was more than £1,000
  • you are a director of a company (unless it was a non-profit organisation, such as a charity)
  • your income from renting property exceeded £2,500
  • you earned more than £2,500 in untaxed income, for example from tips or commissions
  • your income from savings or investments was £10,000 or more before tax.
  • you need to pay Capital Gains Tax on profits from selling things like shares 
  • you or your partner’s, income was over £50,000 and you’re claiming Child Benefit
  • you have income from abroad you need to pay tax on, or you live abroad but have an income in the UK.
  • your taxable income was over £100,000
  • if you earn over £50,001 in the 2019/20 tax year (£50,001 for 2020/21) and make pension contributions you may have to complete an assessment to claim back the extra tax relief you’re owed
  • you are a trustee of a trust or registered pension scheme
  • your State Pension was more than your personal allowance and was your only source of income
  • you received a P800 from HMRC saying you did not pay enough tax last year.

You can check if you need to file a self assessment using the government website at https://www.gov.uk/check-if-you-need-tax-return

At AcuAccounts we work to integrate the information from your company or sole trader accounts into your tax self assessment return. We will also factor in income from other investments, land or property and overseas assets if applicable.

What documents do you need to file for a personal tax return?

In order to file for self assessment online you will need to prepare the following documentation:

  • your 10-digit Unique Taxpayer Reference (UTR)
  • your National Insurance (NI) number
  • Details of all your untaxed income from the tax year, including income from self-employment, dividends and interest on shares
  • records of any expenses relating to self-employment
  • any contributions to charity or pensions which might be eligible for tax relief
  • P60 or other records showing how much income you received which you’ve already paid tax on

Self assessments can be filed either by yourself or by an authorised agent on your behalf, like AcuAccounts. 

What is the difference between a personal tax return for self-employed and company directors?

As self-employed, you complete a self-assessment tax return and tell HMRC what profit you have made during that tax year and then you pay tax on this profit. Self-employed record expenses via the self-assessment and are taxed on profits.

In a similar fashion, limited company directors will run expenses through their limited company.  A Limited Company pays tax from the moment it makes £1 in profit. However, directors can extract personal income from the Limited Company in the form of salary and dividends. This will be included in the limited company director self assessment, where the personal allowance applies.

How much tax can I expect to pay as a self-employed?

HMRC calculates Income tax for the self-employed on profits plus any other income. As self-employed you pay tax on any earnings that exceed the personal allowance. Business expenses from your self-employed work can be offset against your income from self-employment, reducing your tax bill.

The standard personal allowance for 2019/2020 was set at £12,500, which is the amount of income a person can get before they pay tax.

Can self assessment tax be paid in instalments?

You might be able to pay the bill in instalments, depending on whether you need to make payments against your latest bill or want to make advance payments against your next bill.

According to information on the HMRC website, you can set up a payment plan to spread the cost of your latest Self Assessment bill should you owe £30,000 or less or do not have any other payment plans or debts with HMRC.

It must be remembered that in case you don’t keep up with your repayments, HM Revenue and Customs (HMRC) can ask you to pay everything you owe. Not to mention you can set up a budget payment plan if you want to put aside money to cover your next Self Assessment tax bill ahead of time.

What is next?

You can file your tax return online on the HMRC website or get in touch with us to book a self-assessment consultation at info@acuaccounts.com or by calling us directly on 0203 907 9027.

Government Nov 5th Update: Furlough extended to March 2021, more grants and increased self-employed support

Government Nov 5th Update: Furlough extended to March 2021, more grants and increased self-employed support

As England goes back into a national lockdown this November the chancellor has announced a new series of measures increasing the support previously announced with the Winter Economic Plan which included the following highlights:

  • Extension of the Coronavirus Job Retention Scheme further (the furlough scheme), until the end of March
  • Job Retention Bonus of £1,000 per retained employee will not be paid in February but instead redeployed a retention incentive at the right time
  • Increase the third self-employed grant, covering November to January, from 55% to 80% of trading profits.
Extension of the Coronavirus Jobs Retention Scheme (CJRS): Furlough again at 80%
  • The government is extending the CJRS until the end of March for all parts of the UK. To be reviewed in January to decide whether economic circumstances are improving enough to ask employers to contribute more. The Job Support Scheme is postponed.
  • Eligible employees will receive 80% of their usual salary for hours not worked, up to a maximum of £2,500 per month.
  • Employer flexibility: Businesses will have the flexibility to use the scheme for employees for any amount of time and shift pattern, including furloughing employees full-time.
  • Employer contribution: There will be NO employer contribution to wages for hours not worked. Employers will only be asked to cover National Insurance and Employer pension contributions for hours not worked. For an average claim, this accounts for just 5% of total employment costs or £70 per employee per month.
  • Payment: The extended CJRS will operate as the previous Scheme did, with businesses being able to claim either shortly before, during, or after running payroll. Claims can be made from 8 am Wednesday 11 November. Claims made for November must be submitted to HMRC by no later than 14 December 2020. Claims relating to each subsequent month should be submitted by day 14 of the following month, to ensure prompt claims following the end of the month which is the subject of the claim.
  • Employee eligibility: Neither the employer nor the employee needs to have previously claimed or have been claimed for under CJRS to make a claim under the extended CJRS (if other eligibility criteria are met). An employer can claim for employees who were employed and on their PAYE payroll on 30 October 2020. The employer must have made a PAYE Real Time Information (RTI) submission to HMRC between 20 March 2020 and 30 October 2020, notifying a payment of earnings for that employee.
  • Employees that are re-employed: Employees that were employed and on the payroll on 23 September 2020 (the day before the Job Support Scheme announcement) who were made redundant or stopped working afterwards can be re-employed and claimed for. The employer must have made an RTI submission to HMRC from 20 March 2020 to 23 September 2020, notifying a payment of earnings for those employees.

More support announced for the self-employed at 80% of trading profits capped at £2,500/month
  • The government has recently announced an extension of the Self-Employment Income Support Scheme to support self-employed individuals which will be returned the overall level of the grant to 80% of trading profits covering November to January for all parts of the UK. This provides equivalent support to the self-employed as we are providing to employees through the government contribution in the CJRS. It is calculated based on 80% of 3 months’ average trading profits, paid out in a single instalment and capped at £7,500.
  • Timing: HMRC will pay this more generous grant sooner than planned and in time for Christmas – the window for claiming a grant will open on 30 November, two weeks earlier than previously announced.
  • The Government has already announced that there will be a fourth SEISS grant covering February to April. The Government will set out further details, including the level, of the fourth grant in due course.

More financial support for local businesses in England and extension of loan schemes including BBL
  • Businesses in England that are forced to close due to national or local restrictions will receive up to £3,000 per month. This will benefit over 600,000 business premises.
  • 90% of small and medium-sized business premises in the closed Retail, Hospitality, and Leisure sectors should broadly have their monthly rent covered by these grants (based on VOA data on Rateable Values as the best proxy we have for rent).
  • The application deadline for loan schemes – that is, the Bounce Back Loan Scheme, Coronavirus Business Interruption Loan Scheme, Future Fund, and Coronavirus Large Business Interruption Loan Scheme – has been extended to the end of January 2021. This will give businesses two extra months to make loan applications (relative to the current deadline of 30 November).
  • The Bounce Back Loan Scheme rules will be adjusted to allow those businesses who have borrowed less than their maximum (i.e. the lower of £50,000 or less than 25% of their turnover) to top-up their existing loan. Businesses will be able to take-up this option from next week; they can make use of this option once. Some businesses might not have anticipated the disruption to their business from the pandemic would go on for this long; this will ensure that they are able to benefit from the loan scheme as intended.

To find out what the recent announcement means for your business get in touch via email or phone.

For more information about what has been outlined above the full updates are at https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/932977/ECONOMIC_SUPPORT_FACTSHEET_5_November.pdf

#Employer #Employee #Salary #Wages #PAYE #business #update #coronavirus #covid19 #income #support #SEISS 

CORONAVIRUS (COVID 19) – BUSINESS UPDATE FOR EMPLOYERS

CORONAVIRUS (COVID 19) – BUSINESS UPDATE FOR EMPLOYERS

The Government has set up a new Coronavirus Job Retention Scheme. Under this scheme,
the government plans to step in and help pay the wages of people who would otherwise be
laid off without pay or made redundant as a result of the Coronavirus crisis. Under the Job
Retention Scheme, any such employees would be “furloughed” (only temporarily laid off).

Key policy objectives of the scheme
Overall objective is to keep people at home while enabling employers to retain staff who
will be needed when they begin to rebuild their businesses in the future. This will enable
work to begin again with a critical core who have the necessary knowledge.

Relevant employee, Pay & Administration:

  • including directors or shareholders of owner managed business who are already in the payroll on 29 th February 2020.
  • Member of staff should not work for the employers during furloughed period.
  • Employer will pay contractual amount & RTI of the same as usual.
  • Employer will claim the grant separately when portal is ready.

Grant (not a loan) – Per employee per Month up to 3 months
Grant is lower of

  • 80% of the contractual payment or
  • £2500.

Illustration
XYZ Ltd employs Mr A at an annual salary of £24,000, so £2,000 per month. Mr A has opted
out of auto enrolment and employer NIC of the same £174

The available grant for the employer is the lower of
(a) 80% of (£2,000 + £174), and
(b) £2,500

So, a grant of £1,739.

The cash required by XYZ Ltd to furlough based on maintaining the existing salary is £435
per month. It is a matter for employment law whether the employer is required to pay this
top up. Discussions with employees may have agreed that the employee has agreed to a
different arrangement during their furlough.

The £2,500 monthly grant covers all employment costs, i.e, salary, employer pension
contributions required by auto enrolment (if applicable), and employer NIC.

AcuAccounts have also created a draft letter to help with advising Employees they fall under
the ‘furlough’ scheme. Please click on the following link to view the template here.

This letter must be transferred to your own letterhead, removing the title and all
references to AcuAccounts and with all optional and personalised information completed.

  • This letter can be used to inform employees that you will be designating them as a
    furloughed worker in line with the government’s Job Retention Scheme.
  • This will provide you with a grant to cover 80% of wage costs, to a maximum of
    £2,500 per month.
  • You are not required to make up the remaining 20% of wage costs, however, you can
    if you wish. You should ensure that your position in this regard is covered in the
    letter by including, amending or deleting the relevant clause.
  • This letter should be used only after you have discussed furlough with the employee.

Need further clarification contact our team.

#Employer #Employee #Salary #Wages #PAYE #business #update #coronavirus #covid19 #income #support

CORONAVIRUS (COVID 19) – BUSINESS UPDATE FOR EMPLOYERS

Self Employed Income Support Scheme

Self Employed income support scheme

  • Government will pay self-employed people adversely affected by coronavirus a taxable
    grant worth 80% of their average monthly trading profit over the last three years, up to
    £2,500 per month, for at least three months (in line with the employed scheme)
  • The scheme will be open to those with trading profits of £50,000 or less, who make most of their income from self-employment.
  • Those who trade through a limited company and pay themselves a salary and dividends are
    not covered but will be covered for their salary by the Coronavirus Job Retention Scheme if
    they are operating PAYE scheme.
  • It will not apply to anyone who started trading in 2019/20 i.e. those that have started a new
    business in the last 12 months.
  • Must have filed tax return for 2018/19, and intended to trade after April this year.
  • If not already filed 2018/19 tax return, has be done within 4 weeks to qualify benefit from
    the Government grant, deadline for submission of the same is 23 rd April 2020.
  • If you receive more than 50% of income from other earning e.g salary, you won't be
    eligible for this grant.

Illustration
Mr XYZ started part time self-employment in 2016 and his trading profit of last three-year average
was £20,000 and his employment income in the last two tax years amounts to £27000
Mr XYZ not eligible for the self-employed income support scheme as his majority income comes
from employed Earning, – More that 50% of the income sourced from employed earnings.

#selfemployed #business #update #coronavirus #covid19 #income #support

CORONAVIRUS (COVID 19) – BUSINESS UPDATE FOR EMPLOYERS

CORONAVIRUS (COVID 19) – BUSINESS UPDATE

We are back but not in great circumstances.

Further to the Chancellor announcing a package of further help totalling more than £330bn. The key details are listed below. We are keeping a close eye on how the government will ensure the measures announced will be rolled out quickly, and what further measures will be needed.

Business Rates and Cash Grants
In England
• Expanding the 100% business rates holiday for the next 12 months to cover all retail, hospitality and
leisure businesses in England – not just those up to £51k Rateable Value.
• Providing a £25,000 cash grant to retail, hospitality and leisure businesses only, with a Rateable Value below £51k.
• Increasing the proposed £3,000 cash grant to 700,000 small businesses (those eligible for Small Business Rate Relief) to a £10,000 cash grant. We think this will also apply for those eligible for rural rates relief.
Cashflow and Lending
• Supporting liquidity amongst large firms, so they can pay their small suppliers, salaries and rents
• Supporting SMEs via banks to underwrite loans of up to £5m (formerly this was up to £1.2m); and with the first 6 months of that finance interest free (i.e. that the Government will pay for)
• The Development Bank of Wales has loan and equity funding available immediately to Welsh businesses. The Welsh Government is working closely with the Development Bank of Wales to consider additional support to help businesses through the Covid-19 impact.
• Confirming with lenders to provide mortgage payment holidays of at least 3 months for those facing finance issues as a result of coronavirus (there was later confirmation of future help for those that rent; but that remains unclear)
• Monday 23 March 2020.Timing-wise, the Government promises this will be available from

The UK government has advised there will be more help as the situation intensifies. Within draft emergency legislation now being published, the government is taking new legal powers to enable it to offer whatever further financial support is necessary to back business. We are awaiting further guidance and help for the self-employed and for those outside of the leisure, hospitality and retail sectors. As the virus accelerates we want to look at larger, more radical measures such as 3-6 month holidays on National Insurance Contributions, VAT, PAYE; changes to insolvency; and the suspension of paying rent, tax and utilities for the same time.

Statutory Sick Pay costs for your employees
The UK Government has agreed to cover the costs of 14 days of Statutory Sick Pay (SSP) per employee, for those off work due to coronavirus, in small and medium-sized firms. This may well come via HMRC BUT this is not yet confirmed. However, we do know:
• This will cover all companies up to 250 employees as at 28 February 2020
• This will come into effect from day one of sickness, rather than day four
• Employers will be able to reclaim this expenditure; this is a rebate – they are still working on the most appropriate repayment mechanism
• Employers should maintain records of staff absences and payments of SSP, but employees will not need to provide a GP fit note
• This will kick in the day after the regulations on the extension of Statutory Sick Pay to those staying at home comes into force (This is expected to be announced soon)

Talk to Jobcentre Plus about benefits for the self-employed
The Government has suspended the ‘minimum income floor’ from Universal Credit (UC) for the self-
employed, so if you are in the system due to low income there is no longer an assumption you earn the equivalent of the living wage (which from next month this is £8.72 an hour, so for 35 hours a week that’s £305.20). UC is administered through Jobcentre Plus, which like the NHS is likely to switch to online/phone for consultations.

If you do not currently receive Universal Credit you can apply to do so. If you need income fast, you can apply for an advance on your first scheduled universal credit payment. You can apply for universal credit even if you are working – it is designed for people who are either out of work or on a low income. This includes someone who is self-employed and whose income has dropped as a result of this disruption. If you are self-employed and claiming Employment Support Allowance (ESA), and test positive for coronavirus or are in self-isolation, you will be able to claim from day one of a claim instead of waiting the usual seven days. You will also be able to apply for ESA if you have a disability or health condition that affects how much you can work.

More to follow…
info@acuaccounts.com or 02039079027
www.acuaccounts.com