Yoley vs ServiceM8

UK-specific essentials

ServiceM8 is built for a global audience, not specifically for UK trades. That means a few of the things a UK tradesperson needs every day aren’t first-class in ServiceM8:

• CIS. The Construction Industry Scheme is UK-only. ServiceM8 doesn’t have native CIS deduction handling. Yoley does — free on the Free plan.
• HMRC SA103 categories. ServiceM8’s expense tracking isn’t mapped to the UK self-assessment form. Yoley’s is — every scanned receipt lands in the right SA103 box.
• Payment processors. ServiceM8 uses Stripe at ~2.9%. Yoley uses Monek (UK FCA-regulated) at 1.49%.
• Making Tax Digital. Both apps produce clean data exports, but Yoley’s expense structure is already shaped for your SA103.

Where ServiceM8 wins

ServiceM8 has a deeper feature set across a wider surface area. If any of these are on your must-have list, it beats Yoley today:

• iPad-first layout. Yoley’s iPhone layout runs on iPad, but ServiceM8 is designed for iPad with a split-view two-pane interface.
• Custom forms and checklists. ServiceM8’s forms builder is mature and powerful. Yoley doesn’t yet have a custom-forms engine.
• Team scheduling with real-time tracking. ServiceM8 handles multi-person crews and on-site status tracking. Yoley is single-user in 2026.
• Add-on ecosystem. ServiceM8 has a marketplace of add-ons for SMS, maps, accounting and reporting integrations.

Where Yoley wins

• £0 monthly. ServiceM8 is around £29/month/user. Yoley’s Free plan covers the full core trade workflow.
• 1.49% card payments (Yoley) vs ~2.9% (ServiceM8 + Stripe). Over a year, that’s the difference between keeping or paying away a few hundred pounds.
• Tap to Pay on iPhone at 0.99% — take a contactless payment on your iPhone with no card reader. ServiceM8 has payment links but not native Tap to Pay on iPhone in the UK today.
• On-device OCR receipt scanning using Apple Vision — no cloud upload.
• CIS subcontractor management on the Free plan.
• HMRC SA103 mapping so your expenses are shaped for self-assessment.
• UK-built, UK-supported. Time zone, language, tax rules, banking — all native to your market.

Who should pick which

Pick ServiceM8 if…

• You run a crew of 3+ and need multi-person scheduling with job status tracking.
• Your work depends on custom forms, checklists or sign-off sheets (e.g. fire safety, gas-safe compliance).
• You work primarily on iPad and need that layout optimised.
• You’re happy to pay the subscription and don’t need UK-specific CIS / SA103 handling.

Pick Yoley if…

• You’re a UK sole trader or small team on iPhone.
• CIS is part of your world and you don’t want to bolt on a separate tool.
• You want to stop paying £29/month and get lower card fees.
• You value an iPhone-native, Face-ID-protected workflow with iCloud sync.

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