What it does
ANNA is a UK business-account app for eligible limited-company directors, sole traders and partnerships. It combines invoices, receipt matching, money pots and expense cards, with a no-monthly-fee Free plan and paid packages. ANNA describes itself as a non-bank service and names PayrNet as its card issuer.
From invoice to account transaction
Create a quote or invoice, then attach a payment link or QR code. ANNA can chase unpaid invoices. Photograph, upload or email receipts to match them with account transactions, then share the records with an accountant or export them.
ANNA business-account pricing
| Plan | Monthly account price | Key payment allowance |
|---|---|---|
| Free | £0 | First £1,000 of incoming payments each month free, then 0.95% |
| Grow | £12.90 plus VAT | 15 local transfers, then 27p each |
| Business | £22.90 plus VAT | 60 local transfers, then 20p each |
| Big Business | £59.90 plus VAT | Unlimited local bank transfers |
Incoming-payment charges mean the Free plan is not cost-free at every turnover level. Tax services and some other features have their own charges or introductory offers.
Starting an application
ANNA accepts UK residents who direct a limited company, or operate an eligible sole-trader or partnership business. Enter an email address, download the app and answer the business questions. Money pots and extra expense cards are available within the account, with allowances that depend on the chosen plan.
Strengths
- Invoices can include automatic chasing.
- Receipts can be matched to transactions and shared with an accountant.
Watch out for
- The Free plan charges 0.95% on incoming payments above £1,000 a month.
- Paid plan prices exclude VAT, and some tax services carry additional charges.
- Available to supported business structures with UK-resident applicants.
Best for
- Eligible UK freelancers and business owners organizing account administration
Sources
- ANNA business account features and eligibility (Oct 27, 2026)
- ANNA business account pricing (Oct 27, 2026)