You filled your tax return and waiting for the tax refund and thinking how long it takes to get your tax refund after submitting a Self Assessment tax return in 2025, you’re not alone. Many people in UK are asking same question with our experts accountants. Although there isn’t a one-size-fits-all answer, understanding the typical timelines and key factors can help manage your expectations.
Let’s break down everything you need to know about your tax refund — from filing tips to possible delays.
Typical Timeline for a Self Assessment Tax Refund
| Type of Tax Return | Expected Refund Time |
|---|---|
| Online Submission | Typically 1-2 weeks after submission |
| Paper Submission | Usually 4-6 weeks; could take longer during peak season |
- Online Filing: This is the fastest way to get your refund. Most clients report getting their refunds within a 1 or 2 weeks.
- Paper Filing: Processing is slower, especially around peak periods like the January 31 deadline.
Expect delays if:
- Your return has errors or requires extra checks.
- You file closer to the deadline when HMRC is processing a lot of returns.
Factors That Affect Refund Processing Time
Your refund can be sped up or slowed down by several factors:
- Accuracy: Missing details or errors will cause problems with processing. Confirm that all information is precise.
- Timing: Filing close to the deadline may result in longer processing due to a backlog.
- Complex Tax Returns: If your return involves complex tax scenarios such as untaxed income or capital gains, it could take longer to process.
- Security Checks: Extra check could delay things, particularly during busy periods.
To speed things up:
- Ensure that everything is correct before submission.
- File early in order to avoid the rush, if possible.
How to Speed Up Your Tax Refund in UK
Want your refund soon? Here’s how:
- File Online: This is the quickest method for both submitting your return and receiving your refund.
- Pay with Online Banking: Using a bank transfer can quicker the process.
- Check for Accuracy: Before you file, ensure all details are correct, especially if you’re claiming rebates or have untaxed income.
- Prepare All Documents: Missing documents can cause delays in refund. check everything is in order before submission.
Tip: Small mistakes, like an incorrect Unique Taxpayer Reference (UTR), can cause big delays. Take a moment to double-check!
Checking the Status of Your Tax Refund
You can easily check the status of your refund through your HMRC online account. Here’s how:
- Log in to your account to see if your refund is in progress or already paid.
- If you used a debit card or scheduled a payment, you’ll see the details there.
- If things are taking longer than expected, check for any issues like missing documents or errors in your tax return.
If you requested a cheque:
- Be ready for a longer wait — it may take 2-4 weeks, depending on HMRC’s workload.
Common Reasons for Refund Delays
Here’s why your refund might be delayed:
- Missing or Incorrect Details: If HMRC can’t match your info (e.g., an incorrect UTR), it will delay the process.
- Busy Periods: Filing close to the January 31 deadline means HMRC has a huge number of returns to process.
- Complex Returns: If your return involves things like capital gains, dividends, or untaxed income, it could take longer for HMRC to review.
- Overpaid Tax: Claiming tax relief or overpayments can delay processing while HMRC verifies everything.
If you’re still waiting, contact HMRC to see if they need more information from you.
What to Expect Once Your Refund is Processed
- Online Bank Transfers: Clients typically get their refund within 5-10 working days.
- Cheque Payments: Expect a wait of 2-4 weeks, depending on HMRC’s processing time.
Pro Tip: Always double-check your bank details before submitting. Small errors, like a typo in your account number, can cause delays.
Common Mistakes to Avoid When Filing Your Self Assessment
Here are some common mistakes that can slow down your refund or cause other issues:
- Incorrect or Missing Information: Always double-check your forms. Missing income or tax details can result in delays or penalties.
- Not Claiming Eligible Deductions: Don’t forget to claim everything you’re entitled to, like business expenses or tax rebates. Missing these could cost you money.
- Missing the Deadline: Late filings can result in penalties or interest charges. Aim to file early to avoid unnecessary stress.
Final Thoughts
So, there you have it! While it might take some time for your tax refund to land in your bank account, knowing what to expect and how to speed up the process can take the stress out of waiting.
Quick Recap:
- File online to get your refund faster.
- Check your return for accuracy to avoid delays.
- Contact HMRC if you’re waiting longer than expected.
Stay organized, file early, and keep track of your status through HMRC — and your refund will be on its way in no time!
