ANNA Money Business Account:
Why an ANNA Money Business Account is a leading Business Account for Startups.
Opening a business bank account is one of the first key steps in setting up your company finances. But with so many options available in the UK, how do you choose the right one—especially if you’re a startup, freelancer, or sole trader looking for simplicity, speed, and support? That’s where the ANNA Money Business Account comes in.. Designed with small business owners in mind, ANNA Money offers a modern, mobile-first banking experience tailored for the UK startup scene. In this in-depth guide, we break down everything you need to know about ANNA Money’s business banking solution—from features and pricing to who it’s best for and how to open your account in minutes.
🎁 Offer – 1% cashback on business expenses*
If you’re considering an Anna Money Account, remember you can earn up to 1% cashback on business expenses after opening an account. Click the link below and start earning today.
📑 Table of Contents:
- 🏦 What Is ANNA Money?
- 🇬🇧 Why ANNA Money Is Perfect for UK Startups
- 🎯 Who Should Use an ANNA Money Business Account?
- ⚙️ Key Features of ANNA Money Business Account
- 💸 ANNA Money Business Pricing & Plans
- 🤖 AI-Powered Tools Explained
- 🔁 ANNA Money vs Monzo vs Starling: How It Compares
- 📲 Using the ANNA Money Mobile App
- 💬 What Startup Founders Say About ANNA Money
- 🔐 Security, Compliance & Support
- 📈 How ANNA Money Scales With Your Startup
- 🏷️ How to Open Your ANNA Money Business Account
- ❓ FAQs About ANNA Money Business Accounts
- 🧾 Recap: Why Choose ANNA Money for Your Business Account?
- 🧠 Final Verdict: Is ANNA Money Right for You?
🏦 What Is ANNA Money?
ANNA Money (short for Absolutely No-Nonsense Admin) is a UK-based digital banking platform designed to simplify business banking for startups, freelancers, and small businesses. It combines a business current account, automated admin tools, and intelligent expense management—all accessible via an easy-to-use mobile app.
Founded in 2017, ANNA Money has built a reputation as a fast, friendly, and flexible alternative to traditional banks, helping over 100,000 UK small businesses stay on top of their finances with minimal stress.
🇬🇧 Why the ANNA Money Business Account Is Perfect for UK Startups
Whether you’re registering as a sole trader, launching a limited company, or scaling an early-stage business, having a smart and simple business current account is a must. ANNA Money is tailored for UK startups and provides:
✔️ Instant account setup – Get started within minutes from your phone
✔️ 24/7 in-app customer support – Speak to real humans any time
✔️ HMRC-ready expense tracking – Snap receipts, auto-categorise and stay tax compliant
✔️ Invoicing and payment reminders – Never miss a payment or forget to chase a client
✔️ Real-time notifications – Know when you’re paid or spend money instantly
Unlike big banks that often reject or delay new businesses, ANNA Money is built for founders, not finance pros.
These features make the ANNA Money Business Account an ideal solution for UK-based entrepreneurs.
🎯 Who Should Use an ANNA Money Business Account?
ANNA Money is designed for small and growing UK businesses that want to save time on admin and avoid the red tape of traditional banking. It’s ideal for:
🧾 Sole traders – Freelancers, gig workers, and consultants
🏢 Limited companies – Especially early-stage founders looking for fast, digital-first banking
🛒 eCommerce sellers – Etsy, eBay, Shopify, and Amazon sellers
🧑🎨 Creative professionals – Designers, developers, marketers, and content creators
🧠 Side hustlers & digital nomads – Anyone needing a dedicated business bank account
🚀 Startups scaling up – With access to multi-user support and integrated financial tools
If you’re looking for a simple, reliable, and helpful business banking solution, the ANNA Money Business Account is built for you.
⚙️ Key Features of the ANNA Money Business Account:
ANNA Money goes beyond just holding your money. It’s packed with tools to make running your business easier.
💷 UK Business Account & Mastercard
- Get a fully regulated UK business current account (FCA-registered via PPS)
- Comes with a contactless ANNA Money Mastercard for business expenses
- Easily set up direct debits and standing orders
- Sort code and account number provided instantly
📲 Invoicing & Payment Chasing
- Create and send branded invoices from the mobile app
- Automatically chase late payments with polite reminders
- Track when invoices are viewed and paid
📁 Expense Management
- Snap receipts on the go
- ANNA Money auto-matches receipts to transactions
- Categorise expenses for HMRC reporting and VAT
🧠 Admin Automation
- Auto-generate payment reminders and cash flow alerts
- Sync transactions with accounting tools (Xero, QuickBooks, FreeAgent)
- Instant alerts for all account activity
📈 Real-Time Insights
- Monitor cash flow, income, and outgoings at a glance
- Weekly financial health summaries
👥 Multi-user Access (paid tiers)
- Let your accountant or team access the account securely
ANNA Money gives you more than a bank—it acts like a smart admin assistant in your pocket.
All these features are designed to streamline your finances with the ANNA Money Business Account.
💸 ANNA Money Business Account Pricing & Plans:
The ANNA Money Business Account offers flexible plans suited for freelancers, startups, and established small businesses.
| Plan | Monthly Fee | Free Monthly Transfers | Best For |
|---|---|---|---|
| Pay As You Go | £0 | 20 | Side hustlers & freelancers |
| Business | £14.90 | 50 | Growing sole traders & LTDs |
| Big Business | £49.90 | Unlimited | High-volume businesses |
All plans include:
- ✅ UK business account with sort code & account number
- ✅ Debit card & mobile app
- ✅ Invoice creation & payment reminders
- ✅ Expense categorisation & receipt capture
- ✅ 24/7 support
💡 You can upgrade or downgrade at any time. There are no setup fees, no hidden charges, and no credit checks.
🤖 AI-Powered Tools Explained
One of standout features of the ANNA Money Business Account is its use of artificial intelligence to streamline your admin:
- 🧠 Smart payment reminders – ANNA Money chases unpaid invoices on your behalf
- 📂 Auto-categorisation of expenses – Save time on bookkeeping
- 📈 Cash flow predictions – Get a heads-up if your balance is dipping
- 🧾 Instant HMRC tax insights – Know how much to save for tax
ANNA Money doesn’t just store your money—it helps you manage your business better. These AI features make the ANNA Money Business Account a smart choice for automating business admin.
🏦 Business Bank Account Comparison: ANNA Money vs Monzo vs Starling:
| Feature | ANNA Money | Monzo Business | Starling Bank |
|---|---|---|---|
| Best For | Sole traders, freelancers, startups | Freelancers & limited companies | Startups, sole traders, growing businesses |
| Account Types | Business only | Business Lite (Free) / Pro (£5/month) | Free business account |
| Monthly Fees | Free or £14.90/month (with perks) | Free or £5/month (Pro) | Free |
| UK Registered Company Required? | No – self-employed welcome | Yes (registered with Companies House) | No – open to sole traders & limited companies |
| Faster Payments & Direct Debits | ✅ Included | ✅ Included | ✅ Included |
| Invoicing Tools | ✅ Advanced with reminders & branding | ✅ Pro plan only | ❌ Not included |
| Automated Bookkeeping | ✅ AI-assisted, integrates with accounting | ✅ via integrations | ✅ via integrations (e.g. FreeAgent, Xero) |
| Tax & Expense Categorisation | ✅ Automated tax estimates & categories | ✅ (Pro only) | ✅ Included |
| Physical Debit Card | ✅ Mastercard with business design | ✅ Mastercard | ✅ Mastercard |
| Cash Deposits | ✅ Via PayPoint (fee applies) | ✅ via PayPoint (fees apply) | ✅ via Post Office (fee applies) |
| Multi-User Access | ✅ Team access on higher plan | ❌ Not currently available | ✅ Available for business accounts |
| 24/7 Customer Support | ✅ Human support 24/7 in-app | ✅ In-app support (not 24/7) | ✅ UK-based support, not 24/7 |
| Mobile App Experience | ✅ Intuitive & user-focused | ✅ Sleek and modern | ✅ Clean interface, highly rated |
| Company Formation Add-On | ✅ Available (separate service) | ❌ Not offered | ❌ Not offered |
| International Payments | ❌ Not |
🔍 Verdict Summary
Starling Bank is best for growing startups needing free business banking, international payments, and overdrafts or lending options.
The ANNA Money Business Account is ideal for sole traders and freelancers looking for invoicing, tax estimates, and 24/7 human support in a sleek mobile app.
Monzo Business is great if you’re already a Monzo personal user and want basic banking with optional Pro features.
📲 Using the ANNA Money Business Account Mobile App
ANNA Money is a mobile-first platform, which means the app is at the heart of the experience. Available on both iOS and Android, it offers:
💳 Real-time notifications
🧾 Instant receipt uploads
🧮 Easy invoice creation
📈 Dashboard of your financial health
🛎️ Chat support right inside the app
You can run your entire business bank account from your smartphone—without ever visiting a branch. touch with your business finances.
The ANNA Money Business Account mobile app provides a seamless experience for managing your finances on the go.
💬 What Startup Founders Say About the ANNA Money Business Account:
ANNA Money is rated 4.6 out of 5 on Trustpilot, with glowing reviews from UK business owners:
“Anna helped me get my business account sorted in under 10 minutes. The app is so easy to use!”
— Sarah, Freelance Copywriter
“I love the invoice reminders and receipt tracking—it saves me hours every month.”
— James, Online Retailer
“Support is 10/10. I got an answer at 11pm from a real person.”
— Chloe, Marketing Consultant
ANNA Money has built a loyal following thanks to its user-first mindset and hassle-free tools.
You can explore more experiences by browsing ANNA Money reviews on Trustpilot.
🔐 Security, Compliance & Support:
ANNA Money is serious about keeping your business safe:
🔒 FCA-regulated and FSCS protected up to £85,000
🧑💻 Built-in two-factor authentication
☁️ Cloud backups of all documents and invoices
👨💼 24/7 live human support via the app
📜 GDPR compliant with UK data hosting
You can trust ANNA Money to keep your money and your data secure.centres.
📈 How ANNA Money Scales With Your Startup:
Starting small? No problem. Scaling fast? ANNA Money grows with you.
As your business expands, you can:
🧑🤝🧑 Add team members to your account
📤 Automate invoices and cash flow tracking
📚 Integrate with Xero, FreeAgent, and QuickBooks
📈 Upgrade your plan for more features and transfers
ANNA Money is ideal for founders who don’t want to switch providers every year as their business grows.oll, inventory, and team collaboration.
🏷️ How to Open Your Anna Money Business Account:
We’ve partnered with ANNA Money to help StartupDeals readers access one of the best business banking tools in the UK.
🎁 Click below to start your account in minutes.
👉 Open your ANNA Money Business Account
❓ FAQs About ANNA Money Business Accounts:
Is Anna a real bank?
ANNA Money isn’t a licensed bank, but your funds are safeguarded by e-money regulations and protected under the FCA via PPS.
Can I open an ANNA Money Business Account account as a sole trader?
Yes! Sole traders, limited companies, and partnerships can all open accounts.
Does ANNA Money offer overdrafts or loans?
No, ANNA Money doesn’t offer lending—but they partner with funding providers and may recommend options.
How long does it take to open an account?
Usually less than 10 minutes! Just download the app, verify your identity, and you’re good to go.
Can I use ANNA Money with accounting software?
Yes, ANNA Money integrates with Xero, FreeAgent, and QuickBooks for seamless accounting.
Is there a desktop version of ANNA Money?
ANNA Money is primarily mobile-first but also offers a browser login for invoice tracking and downloading statements.
Is the ANNA Money Business Account one of the best business accounts for startups?
Yes. The ANNA Money Business Account is designed with UK startups and freelancers in mind. It offers fast setup, smart admin tools, and simple pricing, making it one of the best business accounts for startups looking for flexibility and affordability.
Can I use ANNA Money UK instead of a traditional business bank account UK?
Absolutely. ANNA Money UK provides all the essential features of a business bank account UK, such as payments, invoicing, and expense tracking, but with added automation and 24/7 customer support.
Is ANNA Money suitable for startup banking?
Yes, ANNA Money is built for startup banking. New businesses can open an account in minutes, issue invoices, manage receipts, and stay on top of tax deadlines without the hassle of traditional banking.
Do I need a business bank account UK if I’m self-employed, or can I just use ANNA Money?
If you’re self-employed, you aren’t legally required to open a business bank account UK, but many choose to for easier financial management. The ANNA Money Business Account is a great option because it keeps your personal and business finances separate, which helps with tax and accounting.
Why do entrepreneurs choose ANNA Money UK over traditional banks?
Entrepreneurs often prefer ANNA Money UK because it offers quick setup, lower costs, and integrated admin tools. For many, it’s not just a business bank account UK — it’s a complete finance assistant.
🧾 Recap: Why Choose ANNA Money for Your Business Account?
Here’s why the ANNA Money Business Account is trusted by thousands of UK entrepreneurs.
✔️ Fast & Easy Setup – Open a business account in minutes directly from your phone.
✔️ No Credit Checks – Ideal for new startups and sole traders who need a quick start.
✔️ Smart Invoicing – Send professional, branded invoices and receive reminders when they’re due.
✔️ Automated Expense Tracking – Categorise transactions and snap receipts effortlessly.
✔️ Real-Time Tax Estimates – Stay on top of what you owe with live tax calculations.
✔️ 24/7 Human Customer Support – Speak to a real human, not a bot—any time, any day.
✔️ HMRC-Ready – Built-in tools to help you stay compliant and submit tax returns with ease.
✔️ Team Access (Higher Plan) – Invite colleagues and manage team spending securely.
✔️ PayPoint Deposits – Accept cash at over 28,000 UK locations.
✔️ Beautiful Mobile App – Manage all your business finances on the go, anytime.
Whether you’re a freelancer, consultant, side hustler, or limited company director, ANNA Money offers the tools and simplicity you need—without the hidden fees or clunky old-school banking systems.
👉 Get started with ANNA Money – Click here to open your business account now.
🧠 Final Verdict: Is the ANNA Money Business Account Right for You?
If you’re a UK startup or solo entrepreneur searching for the best business account for startups, the ANNA Money Business Account is a strong contender. Unlike many traditional business bank account UK providers, ANNA Money UK is built specifically for modern founders who value speed, automation, and support.
You’ll love ANNA if you want:
- 🚀 Super-fast startup banking with instant account setup
- 🧾 Smart admin tools for invoicing, expenses, and tax reminders
- 🤝 Friendly human support via app 24/7
- 💸 Transparent pricing with no hidden fees
In short, ANNA isn’t just another business current account — it’s a virtual finance assistant designed to make running your business easier.
Check out these handy videos from ANNA Money:
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