
Wondering how long HMRC takes to process self-assessments? This guide breaks it down, so you can plan without the stress. Whether you’re filing online or on paper and asking, how long does a tax return take to process in the UK, we’ve got the answers.
How Long Does It Take HMRC to Process Self Assessment Tax Return Online?
When you file your Self Assessment tax return online, HM Revenue and Customs (HMRC) typically processes it within 48 to 72 hours.
However, this timeframe can extend during peak periods, such as late January, when submissions are at their highest.
To ensure a smooth and timely process, you should submit your return early and double-check for any errors.
How Long Does HMRC Take to Process Self-Assessment by Paper?
HMRC typically processes paper Self Assessment tax returns within 8 to 10 weeks, which is significantly longer than online submissions.
This is because paper returns require manual handling, including data entry and verification, which slows down the process.
To ensure timely processing and avoid delays, it's best to submit your paper return well before the October 31 deadline.
How Long Does HMRC Take to Refund Self-Assessment Tax?
When you file your Self Assessment tax return online and are due a refund, HMRC typically processes it within 10 working days after reviewing your return.
For paper submissions, refunds may take up to 6 to 8 weeks, as paper returns require manual processing, which significantly extends the timeline.
This delay occurs because HMRC only begins processing repayments once the tax return itself has been fully reviewed.
Ensuring your return is accurate and submitted well in advance can help minimise delays for both online and paper refunds.
What Causes Delays in HMRC Processing Times?
Delays in HMRC processing times can happen for several reasons:
Manual Handling of Paper Returns - Paper submissions take longer because they need to be manually processed.
Peak Times - During busy periods, like late January, HMRC has more returns to process, causing delays.
Errors or Missing Information - If your tax return has mistakes or incomplete details, HMRC may need more time to review it.
Security Checks - Refunds or unusual entries may trigger extra checks to prevent fraud, slowing things down.
Resource Issues - High call volumes, staffing shortages, or system errors can affect HMRC’s ability to process returns quickly.
What We Think
Waiting for HMRC to process tax returns can be frustrating, especially when there are delays. Online submissions are faster, but paper returns take much longer because they are handled manually. In today’s world, this feels outdated and unfair to people who can’t file online.
We think HMRC could improve by speeding up paper processing and giving taxpayers better updates on timelines. This would make the process less stressful for everyone.
If we could offer one piece of advice, it’s to submit your return as early as possible and ensure all details are accurate. Early submissions not only avoid the January rush but also leave time to resolve any issues without impacting refunds or compliance.
How JAFA Can Help
We understand the frustration caused by delays and inefficiencies in the Self Assessment process. Our AI-powered technology automates bookkeeping, ensuring your financial records are accurate and up-to-date. This makes tax preparation smoother and reduces the likelihood of errors that can cause HMRC processing delays.
For paper submissions, JAFA ensures your information is organised and complete, helping you avoid common issues that lead to longer wait times. If you’re filing online, our streamlined process ensures everything is ready for a fast and accurate submission.
With JAFA, you can skip the stress and let us handle the hard work. Contact our expert accountants in Birmingham, UK, either by booking a FREE discovery call or calling us on +44 121 227 6277.
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