ANNA Money
UK business current account with built-in invoicing, receipt capture and tax filing.
Updated · AppBreakup editorial · Web, iOS, Android
Is ANNA Money free?
Free plan, plus paid plans
- Free plan:
- £0/month, pay for what you use
Checked on ANNA Money's site Nov 8, 2026
Full ANNA Money pricing and plansSwitch from ANNA Money to
All 4- Verified facts
- 5 of 5
- Alternatives ranked
- 4
- Approved reviews
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About ANNA Money
ANNA Money is a UK mobile business account for sole traders, limited companies and small teams. It is not a bank: the account is an e-money account with a Mastercard debit card, sort code and account number, issued by PayrNet. What sets it apart is the admin bundled around the account. You can snap receipts and have them categorised, send invoices with payment links, keep money in pots, and pay a monthly add-on for Auto Accountant, which prepares and files Self Assessment, VAT and Corporation Tax. ANNA can also register a new limited company and run payroll. Pricing is tiered: a free pay-as-you-go plan charges a percentage on incoming payments above a monthly allowance, and paid plans include more transfers, cards and free SWIFT and CHAPS payments. Unused months on a paid plan aren't charged. It suits UK freelancers and small companies who want their account and basic bookkeeping in one app, and don't need an overdraft or loans from it.
Best for: UK sole traders and small limited companies who want banking and tax admin together.
ANNA Money pricing (checked Nov 8, 2026)
Each line is quoted from ANNA Money's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Free plan | £0/month, pay for what you use | Nov 8, 2026 | anna.money |
| Free plan limit | £1,000/month incoming free, then 0.95% | Nov 8, 2026 | anna.money |
| Business plan | £22.90/month + VAT | Nov 8, 2026 | anna.money |
Pros and cons
What works
- Free plan with no monthly fee for getting started
- Receipt capture, invoicing and pots built into the account
- Optional Auto Accountant files Self Assessment, VAT and Corporation Tax
- No monthly fee charged for months you don't use the account
Why people leave
- 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
ANNA Money vs Tide, Monzo and Wise
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | ANNA Money | Tide | Monzo | Wise |
|---|---|---|---|---|
| Pricing | Free plan + paid | Free plan + paid | Free plan + paid | Free |
| Verified price | £1,000/month incoming free, then 0.95% | £12.49/month (Smart) | £3 a month (Extra) | — |
| Free plan | £0/month, pay for what you use | Lite, no plan fee | Yes, Monzo Free (16+) | Free app |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Web, iOS, Android | Web, iOS, Android | iOS, Android, Web | Web, iOS, Android |
Top ANNA Money alternatives
See all 4- 1
Tide68.8UK business account built for sole traders and small firms, with invoicing and a free plan to start.
- 2
Monzo54.4Its business account runs in the same app as Monzo personal banking, with tax pots and invoicing on paid tiers.
- 3
Wise52.6Better if you bill clients abroad: multi-currency balances and low-fee international transfers for businesses.
- 4
FreeAgent51.2Full UK accounting with bank feeds, Self Assessment and MTD VAT filing, if the bookkeeping matters more than the account.
Why people left ANNA Money
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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ANNA Money: common questions
What is ANNA Money?
ANNA Money: UK business current account with built-in invoicing, receipt capture and tax filing. Best for UK sole traders and small limited companies who want banking and tax admin together. Available for Web, iOS and Android.
Is ANNA Money free?
ANNA Money has a free plan and paid plans. Free plan: £0/month, pay for what you use (checked on ANNA Money's own site).
How much does ANNA Money cost?
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.
Is ANNA Money open source?
No, ANNA Money is not open source.
What platforms does ANNA Money run on?
ANNA Money is available for Web, iOS and Android.
What are the best alternatives to ANNA Money?
The highest-ranked ANNA Money alternatives right now are Tide, Monzo and Wise. See the full ranked list for pricing, platforms and verified facts.
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.