Business account and spending tracking
Connect bank accounts in the app to see spending in one place, log expenses, and organise money using pots.
ANNA
ANNA is a UK business account and accounting app for sole traders, freelancers, startups, and limited companies. It combines payments, invoicing, expenses, bookkeeping, and HMRC filing tools in one place, with a free Pay As You Go option and paid business plans.
Overview
ANNA is a UK business account and accounting app that combines payments, invoicing, bookkeeping, and tax filing in one place. The product is built around small business workflows such as tracking spending, sending invoices, categorising expenses, and preparing returns for HMRC.
The site positions ANNA as a business account for sole traders, freelancers, startups, and limited companies. Pricing pages show a free Pay As You Go option, paid business account plans, and a separate +Taxes add-on for LTD companies that covers bookkeeping, tax calculation, and filing support.
Core features
Invoicing and payment collection
Create quotes, send invoices, and share a payment link or QR code so customers can pay you faster.
Invoice follow-up and matching
ANNA can automatically chase overdue invoices and reconcile incoming payments against what you billed.
Expense capture and categorisation
Photograph, upload, or forward receipts by email, then let ANNA match them to transactions and categorise them.
Tax and bookkeeping workflows
Handle bookkeeping, calculate taxes, and file returns to HMRC from the app, including VAT, Corporation Tax, PAYE, and MTD Self Assessment where applicable.
Cash management tools
Use the app for international payments, cash deposits, Direct Debits, standing orders, extra expense cards, and other cash-flow tools.
Common use cases
Run business banking from one app
Use ANNA as a day-to-day business account when you want spending, cash deposits, payments, and expense cards in the same place as your bookkeeping.
Invoice customers and follow up on payments
Create quotes and invoices quickly, then let ANNA send reminders and match incoming payments so you spend less time chasing overdue bills.
Manage receipts and expenses
Capture receipts by photo, upload, or email forwarding, and have ANNA sort them against transactions for cleaner records at tax time.
Handle tax and compliance workflows
Use the +Taxes add-on if you need bookkeeping, VAT calculations, Corporation Tax, PAYE, and filing support for an LTD company.
Work with an accountant or bookkeeping software
Share access with an accountant or sync with accounting software when you want a professional to review books or keep an external ledger aligned.
Pros and Cons
Pros
- Combines business banking, invoicing, expenses, bookkeeping, and tax filing in one app.
- Offers a free Pay As You Go account alongside paid plans for growing businesses.
- Supports invoice chasing, invoice matching, and receipt capture to reduce manual admin.
- Provides tax workflows for VAT, Corporation Tax, PAYE, and MTD Self Assessment on the pages reviewed.
- Lets users share access with an accountant or connect with accounting software such as Xero or QuickBooks.
Cons
- Some tax and accounting capabilities are packaged as the separate +Taxes add-on rather than included in every account plan.
- The public pages do not provide a full integrations list or detailed API information.
FAQ
What is ANNA used for?
ANNA lets you open and manage a UK business account, send invoices, track expenses, and use accounting and tax features from the same app. The pricing page also shows an optional +Taxes add-on for LTD companies that covers bookkeeping, VAT, Corporation Tax, and payroll.
Who is ANNA designed for?
The source pages show ANNA for sole traders, freelancers, startups, and limited companies. The homepage specifically says it is best for sole traders, start ups and limited companies.
How does ANNA handle invoicing?
You can create invoices from the ANNA app, including by sharing invoice details in chat or by uploading a previous invoice. ANNA can also send polite reminders for overdue invoices and match incoming payments against invoices.
How is ANNA priced?
The pricing page shows a free Pay As You Go account, a Business plan at £22.90 a month plus VAT, a Big Business plan at £59.90 a month plus VAT, and a +Taxes add-on at £29.00 a month plus VAT. The homepage also says plans start at £0 per month and that you only pay for services you use.
Does ANNA integrate with accounting software?
The pricing page says ANNA can share access with your accountant or sync with accounting software like Xero, and the +Taxes page mentions Xero or QuickBooks. The source does not provide a broader integrations list.
Quick Facts
- Category
- Business account and accounting software
- Platform
- Web and mobile app
- Primary users
- Sole traders, freelancers, startups, and limited companies
- Pricing model
- Free plan plus paid business plans and a +Taxes add-on
- Pricing page
- `https://anna.money/pricing`
- Domain
- anna.money
Alternativas ao ANNA
EasyStubMaker
EasyStubMaker generates paystubs, invoices, W-2s, 1099-NECs, and Profit & Loss statements online. It is aimed at freelancers, small businesses, landlords, and contractors who need an instantly downloadable, formatted PDF with tax calculations.
Deel
Deel é uma plataforma global de pessoas tudo-em-um que simplifica a contratação, a folha de pagamento e a conformidade para equipes em mais de 150 países.
Keeper
Keeper is a tax filing platform that combines AI tools and review from tax professionals to help freelancers, self-employed workers, and other users with complex returns prepare and file taxes. It also offers calculators, deduction tracking, and research resources for estimating tax bills and finding savings opportunities.
NAADI
NAADI is a corporation tax intelligence tool for UK accounting practices. It processes bookkeeping data to estimate CT positions, surface reliefs and risks, and give clients a plain-English view of their tax position.
Timebook
Timebook is a time tracking, invoicing, and bookkeeping app for freelancers and single-member LLCs. It combines hours, invoices, and basic books in one place, with optional Plaid bank sync and AI-agent support.
Finchum
Finchum is a personal finance planning tool that aggregates accounts and forecasts future balances for users in the US and Canada. It supports secure sync without sharing bank passwords, with OAuth where available and file-based imports as a fallback.