ANNA Money is a United Kingdom business account and tax app for sole traders and limited companies. It is open to United Kingdom residents only. Fees shown as of 11 October 2026.
- Who it suits
- United Kingdom small businesses and freelancers who want a business account combined with invoicing and tax tools.
- Broadly available in
- United Kingdom only, open to United Kingdom residents. As of 11 October 2026.
- Headline monthly fee
- The Free plan has no monthly fee. Paid plans list 12.90, 22.90 and 59.90 pounds plus VAT a month. As of 11 October 2026.
- Account type
- Electronic money account provided under the Electronic Money Regulations, not a high street bank account. Funds are not covered by the Financial Services Compensation Scheme.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
ANNA Money is a United Kingdom business account app that pairs a current account with invoicing, expense tracking, and tax filing tools. It is regulated by the Financial Conduct Authority under the Electronic Money Regulations, so it is not a high street bank and customer funds are not protected by the Financial Services Compensation Scheme. Customer money is held in segregated accounts separate from the funds of ANNA Money. The product is aimed at small companies and the self employed who want bookkeeping and tax built into the account.
Strengths
Strong invoicing and tax tools, a free tier, and support for sole traders and limited companies. As of 11 October 2026.
Limitations
Funds are not protected by the Financial Services Compensation Scheme because ANNA Money is an electronic money firm rather than a bank. Incoming payments above 1,000 pounds a month on the Free plan carry a fee, and the service is open to United Kingdom residents only. Verify current terms with ANNA Money.
Fees and features
| Monthly fee | Free: 0 pounds. Grow: 12.90 pounds plus VAT a month. Business: 22.90 pounds plus VAT a month. Big Business: 59.90 pounds plus VAT a month. The monthly fee is not charged for a month the account is not used. As of 11 October 2026. |
|---|---|
| Transaction fees | On the Free plan outgoing transfers are unlimited, the first 1,000 pounds of incoming payments each month is free, and 0.95 percent applies after that. The Business plan includes 60 free transfers a month, then 20 pence each. As of 11 October 2026. |
| FX fees | A 1 percent currency conversion fee applies to transfers on the Free, Grow and Business plans, and 0.5 percent on Big Business. ANNA Money does not publish a card spending abroad fee on its pricing page; verify with ANNA Money. As of 11 October 2026. |
| Minimum deposit | No minimum opening deposit is published. Verify with ANNA Money. |
| Multi currency | Yes. The account can hold, send, receive and exchange pounds, US dollars, euro and Swiss francs. As of 11 October 2026. |
| Integrations | Invoicing, expense, and tax tools are built in. Accountants can be given access, and the account syncs with accounting software such as Xero. |
| Eligibility | United Kingdom registered sole traders and limited companies, with account holders who are United Kingdom residents. Some activities, such as cryptocurrency and gambling, are not supported. Verify eligibility with ANNA Money. |
Open a ANNA Money business account
Availability and fees vary by country. Check the ANNA Money by country pages below for your market, then confirm current terms with the provider. Shown as of 11 October 2026.
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Questions about ANNA Money
Is ANNA Money a bank?
Who can open an ANNA Money account?
How much does ANNA Money cost?
Does ANNA Money charge for incoming payments?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with ANNA Money before applying.