Disclose Offshore & Onshore Income Safely — Avoid Heavy Penalties

Have you received a letter from HMRC, or realised you need to declare offshore income, assets, or business activity? 

HMRC’s Worldwide Disclosure Facility (WDF) is the official route to put things right – but making mistakes can lead to penalties of up to 200%, criminal investigation, or your details being published online.

Don’t go through this alone. Speak to Kinsella Tax before you speak with HMRC.

What is the HMRC Worldwide Disclosure Facility?

Launched in 2016, the HMRC Worldwide Disclosure Facility allows individuals, companies, and trustees to disclose unpaid tax from:

  • Income earned overseas
  • Assets held offshore
  • Business activity outside the UK
  • UK income and assets not previously declared

If HMRC suspects criminal activity or if disclosures are incomplete, your HMRC disclosure may be rejected, and you could face harsher penalties.

UK Tax Rises

You Should Act Now

HMRC now shares financial data with over 100 countries worldwide under the Common Reporting Standard. If they discover undeclared income before you disclose, the consequences are far worse:

  • Up to 200% penalties on unpaid tax
  • Possible criminal investigation
  • Your details are published on GOV.UK

By using the Worldwide Disclosure Facility voluntarily, you can significantly reduce penalties and avoid criminal action.

Who Can Use the Worldwide Disclosure Facility?

  • Individuals reporting their own tax affairs
  • Company directors or business owners
  • Executors, trustees, or representatives acting for others
  • Professional advisers acting on behalf of clients
worldwide disclosure facility

Expert Support Every Step of the Way

Why People Choose Us

  • Over 40 years’ experience handling HMRC disclosures and investigations
  • We deal directly with HMRC on your behalf
  • We calculate tax owed and negotiate reduced penalties
  • Speak directly to a specialist, not a call centre
  • Fast action, often preventing HMRC from launching a full investigation

How the Process Works

  1. Confidential consultation — Free call to review your situation
  2. Notification to HMRC — We inform HMRC of your disclosure intention, protecting you immediately
  3. Tax review & calculations — Full breakdown of liabilities and penalties
  4. Negotiation with HMRC — We work to minimise penalties
  5. Final settlement — One payment agreed, giving you peace of mind
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“My sincere thanks to Kevin and Dominic at KinsellaTax. The fear of an intrusive tax investigation by HMRC frankly left me cold & frightened. My health had deteriorated to the point where I simply would not function anymore. I was totally unaware of how painless the process of making a disclosure to HMRC would be & will forever be thankful for the day that I picked up the telephone to KinsellaTax”

— Mrs. B
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“First class professional service. There is no way in which we could have achieved such a successful outcome with our dealings with HMRC without their help and expertise. Highly recommended.”

— KG
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“I received a letter from HMRC saying that they were reviewing my tax affairs. I contacted KinsellaTax for help and Danielle finalised everything for me. What a brilliant result, she did an excellent job dealing with my Local Compliance Check by HMRC, and I can't thank her enough.”

— Linda

Don’t Delay – Every Day Increases Your Risk

If you have offshore assets, overseas accounts, or undeclared UK income, HMRC will find out through international data-sharing. The longer you wait, the higher the penalties. The Worldwide Disclosure Facility is your chance to come forward before HMRC takes action.

Call 0800 802 1311 now for a free confidential consultation. Or fill in the form below and we’ll call you back.





    *Please do not use this form to report anyone (we cannot take any action) or to sell your own services.

    Common Questions About HMRC Worldwide Disclosure Facility

    What is the Worldwide Disclosure Facility (WDF)?

    The Worldwide Disclosure Facility is HMRC’s process for declaring undeclared offshore income, assets or UK income. It allows you to bring your tax affairs up to date before HMRC launches an investigation, but the process can be complex without specialist guidance.

    Who can use the Worldwide Disclosure Facility?

    Anyone with a UK tax liability linked to offshore income, gains, or assets may need to use the WDF. This includes individuals, companies, and trustees. But each case is different, and professional advice is crucial to avoid mistakes.

    What is an HMRC ‘nudge’ letter and what should I do?

    A nudge letter means HMRC already has information about your offshore accounts. Ignoring it is risky and can lead to higher penalties or a tax investigation. The safest step is to seek expert advice immediately before responding.

    How do I notify HMRC, and how long do I have to complete the disclosure?

    You must register with HMRC and then have 90 days to prepare and submit a full disclosure, including tax, interest, and penalties owed. Because of the short deadline and complex calculations, most people need professional help to get this right.

    Do I have to include incomes in the UK as well as offshore income?

    Yes, HMRC requires disclosure of both UK and offshore income through the Worldwide Disclosure Facility. Leaving anything out, even by accident, can be treated as deliberate non-compliance and result in harsher penalties.

    Can HMRC see offshore accounts?

    Yes. Through the Common Reporting Standard, HMRC automatically receives data from more than 100 countries about offshore accounts and investments. This means hidden accounts are almost always detected, making voluntary disclosure the safer option.

    How many years do I need to disclose to HMRC, and what is the 4-year rule?

    Depending on the circumstances, HMRC can go back 4, 6, or even 20 years. Many taxpayers assume only four years apply, but in deliberate cases, HMRC will demand up to 20 years of records; however, a specialist can help reduce the exposure.

    What penalties apply under the Worldwide Disclosure Facility?

    Penalties vary widely but can be as high as 200% of the unpaid tax. By making a full and accurate disclosure with professional support, it’s often possible to reduce penalties significantly and avoid the most serious consequences.

    Can I make an HMRC disclosure myself, or should I use a specialist?

    Although HMRC provides an online portal, attempting to disclose without advice is risky. Errors, missing information, or misjudging the number of years to disclose can lead to severe penalties or a criminal investigation. Using a specialist ensures your disclosure is correct and defensible.

    How will I know if HMRC is investigating me, and what happens if I ignore them?

    Signs of an HMRC investigation include letters requesting detailed records or a Code of Practice 9 notice. Ignoring contact from HMRC usually results in maximum penalties and potential prosecution, which is why immediate professional advice is strongly recommended.