What are the risks of managing ISA reporting manually?

Manual ISA processes rely on spreadsheets and individual knowledge, which increases the risk of calculation errors and missed deadlines. They also create key person dependency, since account rules and reconciliations often exist only in one person's workflow rather than a governed system. Without automated checks or an audit trail, errors are harder to catch before the 60-day deadline and harder to explain after the fact.

ISA Repoting

The ARKK Automation Platform manages the full ISA reporting process for fund managers, banks, and building societies. It pulls account data from any source, applies your subscription, transfer, and closure logic, and files accurate returns direct to HMRC, with machine learning checking every record for inconsistencies before submission.

ISA managers still stitching returns together in spreadsheets carry avoidable risk. Manual reconciliation is slow, hard to audit, and easy to get wrong under deadline pressure. A single missed transfer or mistimed closure can mean an inaccurate return to HMRC, and the burden of catching it falls entirely on the team doing the work by hand.

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Save time

ISA calculations run automatically against your built-in rules, cutting manual workload and reducing reliance on key personnel.

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Maximise value

A source-agnostic, cloud-based platform with unlimited users gives every reviewer visibility, at no added licence cost.

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Mitigate risk

ISO27001-certified, with customisable workflows, team roles, and built-in validations that catch errors before they reach HMRC.

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Gain visibility

Power BI dashboards give real-time status across every account holder and product, from data ingestion to filing.

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Stay compliant

Submission-ready returns are filed direct to HMRC with a full audit trail, so every subscription, transfer, and closure is defensible.

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Plan ahead

The platform scales with your book, absorbing rising account volumes and complexity without slowing down.

The information that came back from ARKK was so clear and transparent.

Kreeson Thatiha, Head of Finance and Client Money, eToro

I was continually reassured of ARKK's technology and their commitment to customer service.

Darryl Alford, Finance Manager, DPD

ARKK were prepared to be more flexible with how we worked and how we were set up.

Alistair McClelland, Head of Tax, The University of Edinburgh

Simply outstanding service and a real pleasure to work with.

Chris Parsons, Production Director, Radley Yeldar

ARKK are extremely responsive and supportive partners.

Janette Moriarty, Group Financial Reporting Director, Kerry Group

ARKK are invaluable to us… I wouldn't consider another project without them.

Valentin Ramousse, Head of International Business Development & Partner, Emperor Works

The speed and accuracy of implementation was incredible.

Akash Kalaiya, EMEA Tax Manager, Universal Weather and Aviation

+ What is ISA reporting?

ISA reporting is the annual return ISA managers submit to HMRC, detailing all Individual Savings Accounts they administer, including subscriptions, transfers, and closures across the tax year. Returns must be filed within 60 days of the reporting date, typically by 4 June for the tax year ending 5 April. Accurate account-level data is essential to stay compliant.

+ Who needs to submit an ISA return?

Any approved ISA manager administering cash, stocks and shares, innovative finance, or Lifetime ISAs must report to HMRC. The obligation sits with the manager, not the account holder, so banks, building societies, and investment providers are responsible for the accuracy and timeliness of the return.

+ How does ARKK automate ISA reporting?

The ARKK Automation Platform pulls ISA account data directly from your source systems on a scheduled basis, removing the need for manual uploads. It applies your subscription, transfer, and closure logic automatically, using machine learning to flag inconsistent account records before submission. Approved users then review and sign off returns through built-in workflow controls before they're filed to HMRC.

+ How long does it take to implement an ISA reporting solution?

Implementation time depends on factors such as the number of products, source systems, data quality, and account volumes. Most projects begin with data integration and process configuration before user testing and deployment. The ARKK Automation Platform is designed to be modular, meaning you can implement what you need and be operational in weeks.

+ Does ARKK integrate with existing banking and data systems?

Yes. The ARKK Automation Platform is source-agnostic, meaning it connects to data from any system, whether that is a core banking platform, account management system, or spreadsheet-based process. Data is ingested once and reused across multiple reporting processes without limits on volume or complexity, removing the need to re-extract or reformat data for different compliance obligations.

+ How does ARKK handle ISA transfers and closures?

Transfers and closures are calculated automatically against your configured rules, so movements between managers and mid-year account changes are captured accurately. The Platform reconciles these events across your data sources, reducing the manual matching that so often leads to reporting errors.

+ How is data secured on the ARKK platform?

ARKK software is ISO 27001 certified, the internationally recognised standard for information security management. The Platform includes customisable workflows, defined team roles, and built-in validations, ensuring that access controls and data integrity are maintained throughout the ISA reporting lifecycle.

How ARKK automates ISA reporting

Aggregate

Calculate

File

Govern

How the ARKK Automation Platform works