07590 893350
KLO Small Business Accounts

Help and support

Getting help

Email [email protected]. Tell us:

  • which device (iPhone, iPad or Mac) and the version shown in Settings › About;
  • what you did, what you expected and what happened;
  • a screenshot if you can. Please don't send your books or an export unless we ask.

Getting started

  1. Create a PIN. It locks the app each time you open it. Face ID or Touch ID can open it too.
  2. Set up your business, a page at a time: your business, your year, VAT and your bank, plus your people and your last filed accounts for a limited company. That's seven short pages for a company, five for a sole trader.
  3. Add your bank's statements on the Bank tab, then your sales and purchases.

How do I get a statement file from my bank?

In your online banking, look for Statements or Export and download a CSV file. Monzo's CSV and PDF statements are read as they are. Other banks' CSV files usually work: KLO guesses which columns hold the date, the payee and the amount, and you check them once for each bank. KLO doesn't connect to your bank.

Your PIN

KLO can't see or reset your PIN. Write it down somewhere safe. Your PIN only opens the app on your devices; it isn't your KLO account passphrase.

I've lost a phone or computer

Change your passphrase on the web page (Settings › Passphrase and this browser). The books on your KLO account can't be opened without the new one, and your other devices will ask for it.

Why no two-step sign-in?

Your books are encrypted with your passphrase before they leave your device, so someone who gets into your email still can't read them.

Backups

Settings › Backup › Export the books… saves a complete copy to a folder you choose. Do it regularly, and keep it somewhere safe: it isn't encrypted. Settings › Backup › Restore books from an export… puts an export back into empty books.

Syncing your devices

There are two ways, and you can use either or both.

  • iCloud: with iCloud on for the app, your books appear on each of your devices signed in to the same iCloud account. A new device can take a minute to bring them down.
  • Your KLO account: sign in to your KLO account in Settings › Subscription, then choose Keep these books on my KLO account under Settings › Your books on the KLO account. Your books are then kept in step with your other devices and the web page. They are encrypted with your passphrase before they leave your device: KLO can't read them and can't recover the passphrase, so keep it safe.

With your KLO account, write down your recovery code (Settings › Your books on the KLO account › Recovery code…): if you forget your passphrase, it opens your books instead. Earlier copies…, in the same place, lets you go back to the books as they were: every save is kept for 30 days, then the last of each day for a year.

VAT returns

The app works out the nine boxes for each quarter on the VAT tab, and can send the return to HMRC under Making Tax Digital.

  1. Connect once: Settings › HMRC › Connect to HMRC. Sign in on HMRC's page with the Government Gateway account your business uses for VAT.
  2. Approve the quarter on the VAT tab (VAT Calc Approved by Accountant).
  3. Send it: in the quarter's VAT summary, under Making Tax Digital, tick the declaration and tap Send this return to HMRC. HMRC's receipt is kept with the quarter.

The connection lasts 18 months. If HMRC says it has run out, connect again.

Chasing an unpaid invoice

On an overdue invoice, choose Chase. KLO prepares a polite reminder and the PDF for you to send from your own email. For business customers you can add a line claiming statutory late-payment interest and compensation.

Reading documents with Claude

Optional. Turn it on in Settings › Reading documents and enter your own Anthropic key (from console.anthropic.com). Anthropic charges your account for each document read. The privacy statement lists what is sent.

Deleting your books

Delete the app from each device. If iCloud was on, also remove its data in your iCloud settings (Settings › your name › iCloud › Manage storage). If your books are on your KLO account, delete the account too (Settings › Subscription › Delete KLO account, or email us): that deletes the copy on the account and all its earlier versions.