No, landlords are not required to open a dedicated bank account for Making Tax Digital for Income Tax Self Assessment (MTD for ITSA). HMRC does not mandate this; you can continue to receive rental income into your personal account.

However, having a separate bank account for rental transactions is considered good practice. It simplifies record-keeping and helps distinguish personal and rental transactions, making compliance with MTD easier.

Some software solutions, like Hammock, are designed to accommodate landlords who use personal bank accounts. Hammock allows you to exclude personal transactions and focuses on rental income and expenses, reducing the need for manual reconciliation.