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ANNA Money alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll business banking and payment accounts

Top picks

  • Tide logo

    Best overall

    Tide

    Paid plans from: £12.49/month (Smart)

  • Monzo logo

    Best free option

    Monzo

    Starting price: £3 a month (Extra)

Common reasons people leave ANNA Money: E-money account, not a bank, and no credit or loans, and free plan charges a commission on incoming payments over £1,000 a month. We ranked 4 alternatives by how directly each one replaces ANNA Money, then by reviews, real visits and how recently each app's facts were checked against its own website. Tide currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Tide logoTideFree plan + paid£12.49/month (Smart)NoWeb, iOS, Android5 of 568.8
2Monzo logoMonzoFree plan + paid£3 a month (Extra)NoiOS, Android, Web8 of 854.4
3Wise logoWiseFree—NoWeb, iOS, Android3 of 352.6
4FreeAgent logoFreeAgentPaid£10/month excl. VAT (unincorporated landlords)NoWeb, iOS, Android8 of 851.2
  1. Tide logo

    1. TideTop pick

    Best for: UK sole traders and small limited companies that want a free or cheap business account with invoicing

    Free plan + paidWeb, iOS, Android

    68.8

    score / 100

    Why switch from ANNA Money

    UK business account built for sole traders and small firms, with invoicing and a free plan to start.

    Pros

    • Free plan with no monthly fee
    • Invoicing, MTD tax tools and accounting integrations built in
    • Eligible deposits protected by the FSCS via ClearBank
    • Account opens in the app with little paperwork

    Cons

    • No branches; support is app and phone based
    • Free plan limits invoices and features
    • Mainly built for the UK market
    Visit Tide Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Tide a good ANNA Money alternative?

    Verified facts

    5 of 5 verified
    Free plan
    Lite, no plan fee
    Checked Nov 8, 2026tide.co(opens source in a new tab)
    Paid plans from
    £12.49/month (Smart)
    Checked Nov 8, 2026tide.co(opens source in a new tab)
    Members
    Over 2 million
    Checked Nov 8, 2026tide.co(opens source in a new tab)
    Deposit protection
    FSCS up to £120,000 via ClearBank
    Checked Nov 8, 2026tide.co(opens source in a new tab)
    Germany
    Free business account with German IBAN
    Checked Nov 8, 2026tide.co(opens source in a new tab)
  2. Monzo logo

    2. Monzo

    Best for: UK residents who want a phone-first bank account with strong budgeting tools

    Free plan + paidiOS, Android, Web

    54.4

    score / 100

    Why switch from ANNA Money

    Its business account runs in the same app as Monzo personal banking, with tax pots and invoicing on paid tiers.

    Pros

    • Pots and salary sorting make budgeting simple
    • No fees from Monzo on card spending abroad
    • FSCS deposit protection like a high-street bank
    • 24/7 in-app support

    Cons

    • Only open to UK residents
    • Paying in cash costs a fee at PayPoint or the Post Office
    • Best savings rates and some tools need a paid plan
    Visit Monzo Details and reviews
    How this score is calculated
    Editorial fit ×0.352
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Monzo a good ANNA Money alternative?

    Verified facts

    8 of 8 verified
    Paid plans
    From £3 a month
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Deposit protection
    FSCS up to £120,000
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Eligibility
    UK residents only
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Customers
    16 million
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Free plan
    Yes, Monzo Free (16+)
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Starting price
    £3 a month (Extra)
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Perks plan
    £9 a month
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Max plan
    From £19 a month, 3 months minimum
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
  3. Wise logo

    3. Wise

    Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies

    FreeWeb, iOS, Android

    52.6

    score / 100

    Why switch from ANNA Money

    Better if you bill clients abroad: multi-currency balances and low-fee international transfers for businesses.

    Pros

    • Mid-market exchange rate with fees shown upfront
    • Holds and converts 40+ currencies in one account
    • Local account details for receiving payments abroad

    Cons

    • Not a full bank in most countries, so no overdrafts or loans
    • Per-transfer fees still apply, especially for small amounts
    • Funds are safeguarded rather than covered by deposit insurance in many regions
    Visit Wise Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Wise a good ANNA Money alternative?

    Verified facts

    3 of 3 verified
    Currencies
    40+
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Account fee
    Free to open
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Fund protection
    Safeguarded accounts
    Checked Nov 8, 2026wise.com(opens source in a new tab)
  4. FreeAgent logo

    4. FreeAgent

    Best for: UK freelancers, contractors and small limited companies that want tax filing in one place

    PaidWeb, iOS, Android

    51.2

    score / 100

    Why switch from ANNA Money

    Full UK accounting with bank feeds, Self Assessment and MTD VAT filing, if the bookkeeping matters more than the account.

    Pros

    • Self Assessment, VAT and company tax filings built in
    • Free with qualifying NatWest Group and Mettle accounts
    • Clear pricing by business type

    Cons

    • Built almost entirely for the UK
    • No inventory management
    • Less suited to larger or multi-entity businesses
    Visit FreeAgent Details and reviews
    How this score is calculated
    Editorial fit ×0.341
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is FreeAgent a good ANNA Money alternative?

    Verified facts

    8 of 8 verified
    Sole trader price
    £19/month excl. VAT (regular)
    Checked Nov 8, 2026freeagent.com(opens source in a new tab)
    Limited company price
    £33/month excl. VAT (regular)
    Checked Nov 8, 2026freeagent.com(opens source in a new tab)
    Free trial
    30 days
    Checked Nov 8, 2026freeagent.com(opens source in a new tab)
    Making Tax Digital
    Compatible
    Checked Nov 8, 2026freeagent.com(opens source in a new tab)
    Free with bank account
    NatWest, RBS, Ulster Bank, Mettle
    Checked Nov 8, 2026freeagent.com(opens source in a new tab)
    Starting price
    £10/month excl. VAT (unincorporated landlords)
    Checked Nov 8, 2026freeagent.com(opens source in a new tab)
    Sole trader plan
    £19/month excl. VAT
    Checked Nov 8, 2026freeagent.com(opens source in a new tab)
    Limited company plan
    £33/month excl. VAT
    Checked Nov 8, 2026freeagent.com(opens source in a new tab)

The best ANNA Money alternative for…

The highest-ranked app in this list for each need.

Tide logo

Best ANNA Money alternative for most people

Tide

UK business account built for sole traders and small firms, with invoicing and a free plan to start.

Wise logo

Best ANNA Money alternative for a free option

Wise

Better if you bill clients abroad: multi-currency balances and low-fee international transfers for businesses.

Monzo logo

Best ANNA Money alternative for a free plan you can upgrade

Monzo

Its business account runs in the same app as Monzo personal banking, with tax pots and invoicing on paid tiers.

FreeAgent logo

Best ANNA Money alternative for iPhone and Android

FreeAgent

Full UK accounting with bank feeds, Self Assessment and MTD VAT filing, if the bookkeeping matters more than the account.

Tide logo

Best ANNA Money alternative for working in the browser

Tide

UK business account built for sole traders and small firms, with invoicing and a free plan to start.

ANNA Money alternatives: common questions

What is the best alternative to ANNA Money?

Tide ranks first right now. UK business account built for sole traders and small firms, with invoicing and a free plan to start. Monzo and Wise follow it in our ranking.

ANNA Money vs Tide: what's the difference?

Both ANNA Money and Tide are free with paid plans. Verified prices: ANNA Money £1,000/month incoming free, then 0.95%, Tide £12.49/month (Smart). Both run on Web, iOS and Android.

Is ANNA Money free?

ANNA Money is free with paid plans. Free plan: £0/month, pay for what you use; Free plan limit: £1,000/month incoming free, then 0.95%; Business plan: £22.90/month + VAT. Checked on ANNA Money's own site, November 2026.

How much do ANNA Money alternatives cost?

Verified prices for the top-ranked ANNA Money alternatives: Tide, £12.49/month (Smart); Monzo, £3 a month (Extra); FreeAgent, £10/month excl. VAT (unincorporated landlords). Each price was checked on the app's own site; see each card below for the date and source.

Is there a free alternative to ANNA Money?

Yes. Tide (free plan + paid), Monzo (free plan + paid) and Wise (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to ANNA Money?

None of the 4 alternatives in this list is open source.

Why do people switch from ANNA Money?

The complaints we hear most: E-money account, not a bank, and no credit or loans; free plan charges a commission on incoming payments over £1,000 a month; tax filing service is a separate monthly cost.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces ANNA Money, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.