HMRC typically processes online Self Assessment returns within 72 hours of submission, though you will not receive any formal confirmation unless a repayment is due or an issue is identified. Tax repayments can take up to 10 working days to arrive in your bank account after HMRC processes them. Paper returns take significantly longer, sometimes up to 10 weeks during peak periods.
Online vs paper returns
There is a significant difference in processing speed between online and paper returns. Online Self Assessment returns submitted through HMRC's website or accountancy software are processed automatically and much faster than paper forms.
| Return type | Typical processing time |
|---|---|
| Online Self Assessment | 72 hours for initial processing |
| Paper Self Assessment | 6 to 10 weeks (longer January to February) |
| Amendment to an online return | Up to 12 weeks |
| Amendment to a paper return | Up to 12 weeks or longer |
When does HMRC actually process returns?
Although you can file your Self Assessment return from 6 April each year, HMRC does not process returns in real time throughout the year. HMRC processes the bulk of Self Assessment returns between October and February, with the highest volume handled in January ahead of the 31 January filing deadline.
If you file early (before September), your return may sit in queue until HMRC begins its main processing cycle. This does not affect the accuracy of your return or the deadline for paying any tax owed.
How long does a tax repayment take?
Once HMRC processes your return and identifies that a repayment is due:
- HMRC typically issues the repayment within 5 to 10 working days if your bank details are on file.
- Repayments by cheque take longer, typically 4 to 6 weeks.
- If HMRC needs to verify your identity or bank details before issuing a repayment, this can extend the timeline to several weeks.
You can update your bank details for repayments through your Personal Tax Account to ensure HMRC pays into the correct account.
How long does HMRC take to process an amendment?
If you need to correct an error in a submitted return, you can file an amendment online within 12 months of the original filing deadline (so for a 2024/25 return filed by 31 January 2026, you can amend until 31 January 2027). Amendments typically take up to 12 weeks to be processed. During peak periods such as January and February, this can be longer.
Checking the status of your return
You can check the status of your Self Assessment return and any repayments through your HMRC Personal Tax Account. The account will show whether your return has been received, if it is under review, or if a repayment has been issued.
What to do if your return is taking too long
If your online return has not been processed within 10 working days of submission, or your repayment has not arrived within the expected timeframe, contact HMRC. Before calling, check your Personal Tax Account to confirm the return has been received. If you can see it has been received, call the Self Assessment helpline on 0300 200 3310.
Why HMRC might delay processing your return
Common reasons for delays include:
- High volumes around the January filing deadline
- A discrepancy between the information in your return and data HMRC holds from other sources
- A repayment being held for security verification (particularly for first-time filers or unusually large repayments)
- An outstanding compliance check or enquiry on your account
- Bank details not held or not matching HMRC records