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Key Features

Anna Money Review

Anna Money Review

ANNA Money offers a diverse suite of offerings, including a business account, intuitive bookkeeping software, and essential tax tools, ANNA Money has become a go-to resource for small businesses across the UK. Their commitment to user convenience is evident in their swift account opening process, allowing businesses to set up a fully functional business account in minutes.

Debit Card
Anna Card
Languages
  • EN
Plans
  • Free Account
  • Plans from £14/m
Rating

With a personal webpage and unique link to each business, ANNA Money empowers entrepreneurs to showcase their offerings on various platforms effortlessly. The option to top up accounts with cash at thousands of PayPoints nationwide adds an extra convenience for businesses operating with cash transactions.

Banking Features

Rapid Registration

Open a business account with ANNA Money in 3 minutes with your ID and receive a unique business debit card.

Virtual Business Debit Card

When you sign up with ANNA Money, you can issue a virtual card to make payments immediately. No need to wait for your ANNA Money business debit card to arrive.

Receive Online Payments

Boost your online presence with ANNA Money’s personalized webpage and link. Share it directly with customers on social media for easy payments and engagement.

Complimentary Direct Debits

Direct debits are free of charge, regardless of your pricing plan. Rest assured that all your payments are protected by the Direct Debit Guarantee Scheme, providing you with added peace of mind.

Loans (SBLs)

Small Business Loans are available through ANNA partners.

Get Cash

Enables you to deposit cash directly into your account, eliminating the need for intermediate transfers or storing it elsewhere.

Google Pay & Apply Pay

Pay securely with Google Pay & Apple Pay using your business account on your device, even before receiving your debit card.

Cash Pots

Create pots to allocate funds for taxes, salaries, or expenses in your account. Easily transfer money manually or set up automatic top-ups and recurring payments.

Cashback

Earn 1% cashback on business expenses, such as train travel and food, when using your ANNA debit card. This opportunity allows many customers to effectively offset costs, making ANNA a valuable and cost-saving solution for their business needs.

Employee Reimbursements

Set spending limits and let the ANNA app automate expense management.

Invoice Management

Support your business with invoicing, document storage, tax management, and bank account integration.

VAT Management

Automate your VAT calculation and filing with ANNA’s convenient and HMRC-approved VAT service. Capture receipts effortlessly, add sales VAT automatically, and organize expenses seamlessly. Stay MTD compliant and save time with ANNA’s user-friendly tools.

Accounts and Fees

FreeBusinessBig Business
Price per month£0.00£14.90 + VAT£49.90 + VAT
Local transfers in and out20p per bank transfer50 free bank transfers per month
20p per transfer after that
Unlimited free bank transfers
ATM withdrawals£1 per ATM withdrawal3 free ATM withdrawals per month
£1 per withdrawal after that
Unlimited free ATM withdrawals
International payments£5 per SWIFT payment1 free SWIFT payment
£5 per payment after that
4 free SWIFT payments per month
£5 per payment after that
Currency conversion fee for transfers1%1%0.5%
Personal payment link for accepting paymentsPayment link with 1% commissionFree payment link usage up to £200 per month, 1% commission after thatUnlimited, commission-free payment link usage
Additional debit cards1 debit card included, £3 per extra cardUp to 5 debit cards included
£3 per card, per month after that
Unlimited free debit cards
Pay cash inPay cash in with 1% commissionPay in up to £300 cash per month for free, 1% commission after thatPay cash into your account commission free
Pots£1 per pot monthly2 free pots, £1 per pot, per month after thatUnlimited pots
Cashback on purchases1% on select categories1% on select categories1% on select categories
Prices are shown before VAT
Free
Price per month
£0
Local transfers in and out
20p per bank transfer
ATM withdrawals
£1 per ATM withdrawal
International payments
£5 per SWIFT payment
Currency conversion fee for transfers
1%
Personal payment link for accepting payments
Payment link with 1% commission
Additional debit cards
1 debit card included, £3 per extra card
Pay cash in
Pay cash in with 1% commission
Pots
£1 per pot monthly
Cashback on purchases
1% on select categories
Business
Price per month
£0
Local transfers in and out
50 free bank transfers per month. 20p per transfer after that
ATM withdrawals
3 free ATM withdrawals per month. £1 per withdrawal after that
International payments
1 free SWIFT payment. £5 per payment after that
Currency conversion fee for transfers
1%
Personal payment link for accepting payments
Free payment link usage up to £200 per month, 1% commission after that
Additional debit cards
Up to 5 debit cards included. £3 per card, per month after that
Pay cash in
Pay in up to £300 cash per month for free, 1% commission after that
Pots
2 free pots, £1 per pot, per month after that
Cashback on purchases
1% on select categories
Big Business
Price per month
£0
Local transfers in and out
Unlimited free bank transfers
ATM withdrawals
Unlimited free ATM withdrawals
International payments
4 free SWIFT payments per month. £5 per payment after that
Currency conversion fee for transfers
0.5%
Personal payment link for accepting payments
Unlimited, commission-free payment link usage
Additional debit cards
Unlimited free debit cards
Pay cash in
Pay cash into your account commission free
Pots
Unlimited pots
Cashback on purchases
1% on select categories

Security

ANNA Business Banking prioritizes the safety and security of customer funds and personal information. With regulatory compliance, Mastercard partnership, segregated bank accounts, and secure access through TrueLayer, ANNA ensures a secure banking experience:

  • PayrNet Limited: ANNA is a distributor of PayrNet Limited, an authorized Electronic Money Institution regulated by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 (Firm Reference Number: 900594).
  • Mastercard International Incorporated: ANNA’s debit card is issued by PayrNet Limited under a license from Mastercard International Incorporated, leveraging the renowned security measures associated with the Mastercard brand.
  • Segregated Bank Accounts: ANNA holds customer funds in one or more segregated bank accounts with regulated third-party credit institutions, following the provisions outlined in the Electronic Money Regulations 2011.
  • TrueLayer: ANNA works with TrueLayer, an authorized and regulated entity by the Financial Conduct Authority (FCA), providing secure access to account information through the regulated Account Information Service.

By collaborating with these trusted organizations and authorities, ANNA ensures its customers’ funds and personal information safety and security.

Support

  • Email Support: Contact the 24/7 customer support team at hello@anna.money for any inquiries or assistance.
  • Customer Reviews: Read about ANNA’s service and customer experiences on platforms like Facebook and Trustpilot.
  • FCA Register: ANNA Money can be found on the Financial Conduct Authority (FCA) register, providing transparency and confidence to customers.
  • In-App Chat: ANNA customers can conveniently contact the customer experience team directly through the in-app chat feature for prompt assistance.
  • Various Email Contacts: Reach out to ANNA for general inquiries media contact, customer care, careers, and inquiries related to money and data security.
  • Registered and Correspondence Addresses: ANNA’s office address is Brunel House, 2 Fitzalan Road, Cardiff, Wales, CF24 0EB, and the correspondence address is PO Box 1130, Cardiff, CF11 1WF.
  • Quick Response: ANNA ensures rapid turnaround for addressing questions, comments, or concerns.

Comprehensive Resources: ANNA offers a detailed FAQ section, a blog, and other informative resources to further assist and address common queries.

Pros
  • Quick Account Opening
  • Virtual Debit Card
  • VAT submission to HMRC via App
  • Free Direct Debits
  • Cash Deposit Option
Cons
  • Limited Customisation
  • No overdraft facilities
  • Receiving money requires Payoneer account

Conclusion

The ANNA business account stands out for its free account features, quick set-up process, 24/7 customer support, and wide eligibility for different business types. offers a convenient and flexible banking solution with its user-friendly interface, inclusive account options, and responsive customer service. Small businesses can benefit from ANNA’s efficient financial tools and accessible support for their day-to-day operations.