Provider profileLast checked 8 November 2026
ANNA
A business account with built-in admin, invoicing and tax tools, and a pay-as-you-go plan with no monthly fee.
- Cheapest plan
- Free: £0 a month, pay for what you use
- Available in
- UK
- Your money
- E-money · safeguarded, no FSCS
What it is
ANNA says it is not a bank. The ANNA account and Mastercard are issued by PayrNet Ltd, an FCA-authorised e-money institution (FRN 900594).
How your money is protected
Funds in the main ANNA account are safeguarded and not protected by the FSCS. ANNA savings accounts are provided by Griffin Bank and are FSCS-protected.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
UK limited companies and sole traders.
Headline fees
| Fee | Detail |
|---|---|
| Plans (monthly, plus VAT) | Free £0, Grow £12.90, Business £22.90, Big Business £59.90 |
| Incoming payments on Free | First £1,000 a month free, then 0.95% |
| Local transfers | Unlimited outgoing on Free; 15 then 27p on Grow; 60 then 20p on Business; unlimited on Big Business |
| Currency conversion on transfers | 1% (0.5% on Big Business) |
| SWIFT payments | £5 each on Grow; 2 a month free on Business and 4 on Big Business, then £5 |
| ATM withdrawals | Free on Free and Big Business; 1.5% (minimum £1) on Grow; 3 free then 1% on Business |
Limits worth knowing
- ANNA says you don't pay the monthly fee for any month you don't use the account.
- Auto Accountant costs £29 a month after a four-month free period on Free and Grow.
How it compares
See all the accounts we've researched.
Our pick for card spendIncard: 1% cashback on ads, software and travel, on a £0 plan
Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.
Work out your cashbackCheck eligibility
We may earn a commission if you apply.
- a month on the Free plan, with team cards
- £0
- cashback on ads, software and travel; 0.5% on other eligible spend
- 1%
- IBANs in three currencies
- GBP, EUR, USD
Check ANNA's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
Sources
All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.