ANNA Money review
Updated September 28, 2026 · ForgeCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ANNA Money suits UK small businesses that want bookkeeping, payroll and tax filing without paying to start, with entry pricing at £0. Payroll comes with the plan rather than as a paid extra, bank feeds are supported, and company formation comes with the state fee inside the package price.
Key facts
- Best for
- Free entry pricing with payroll and UK tax filing for a small business.
- Price from
- £0 (Source, checked September 26, 2026)
- Free plan
- Yes (Source, checked September 26, 2026)
- Local compliance
- Mtd-vat, Mtd-itsa (Source, checked September 26, 2026)
- Payroll
- Included (Source, checked September 26, 2026)
- Bank feeds
- Yes (Source, checked September 26, 2026)
- Platforms
- iOS (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Audience
- Small business
- Pricing model
- Free plan
- Official website
- anna.money
Company formation
- Package price from
- £19 (Source, checked September 26, 2026)
- State fee included
- Yes (Source, checked September 26, 2026)
- Turnaround time
- 1 day (Source, checked September 26, 2026)
- Jurisdictions
- GB (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Audience
- Small business
- Pricing model
- Free plan
Apps and profiles
- Get the app
- App Store
- Elsewhere
- Trustpilot
Pros and cons
Pros
- Entry pricing is £0 and a free plan is available, so a sole trader can keep the books open without paying for a tier.
- Payroll is included rather than a paid add-on, which keeps pay runs and bookkeeping inside one product.
- Bank feeds are supported, so transactions reach the ledger without a manual import.
- Company formation runs from £19 with the state fee inside the package, and only 36.4% of the brands listed include that fee.
- Aspire lists a price from of SGD 0 and ifirma of PLN 0, so entry price alone does not separate the three, and payroll plus filings do the deciding.
Cons
- Support runs on help centre only, so there is no phone line or live chat to reach when a filing deadline is close.
- Mobile apps cover ios only, so Android and desktop users are not served by a native app.
- Compliance stops at mtd vat and mtd itsa and formation covers GB only, so obligations outside the UK are not handled here.
Who it suits
- UK small businesses, the stated audience, that want pay, bookkeeping and VAT and self assessment filing without a paid entry.
- Sole traders who reconcile from an iPhone and file through the same app rather than a separate tool.
- Founders who also want the company registered, since formation packages come from £19 with a turnaround of 1.
Who should look elsewhere
- Anyone who wants a paid tier from the first invoice, such as Billy at a price from of DKK 160, rather than working up from a free plan.
- Teams that standardise on Android handsets or Windows desktops, since mobile apps cover ios only.
- Businesses that file outside the UK, since compliance and formation both stop at mtd vat and mtd itsa and GB.
Core features
Payroll is included in the plan rather than sold as an extra, and that is the line which separates this product from books-only tools. Bank feeds are supported, so transactions reach the ledger without a manual import, and that is close to standard in this field: 96.8% of the brands in the accounting software ranking carry bank feeds. Mobile apps cover ios, so the phone side of the service is an iPhone app and nothing else is listed. Taken together, the plan covers the running of a business rather than one slice of it: pay, money in, and records that back the filings. Payroll inclusion matters most once a business has staff, because a pay run and the ledger stay in the same place instead of being retyped from a separate system. Bank feeds matter for everyone, since they turn reconciliation into a check rather than a data entry job. The trade-off is device reach. A bookkeeper on a Windows desktop or an Android handset has no listed app to open, so the mobile side is narrower than a cross platform tool. Payroll being part of the plan also means payroll filings run alongside the accounting ones, which suits a business that wants a single provider for both jobs rather than two.
Intro and renewal prices
Entry and renewal are worth separating here. At entry, the free plan lists a price from of £0, and the model is recorded as a free plan rather than a timed trial. A free plan has no end date, so nothing at renewal turns into a paid term and the same account can be kept open. Across the site the entry figures are low and the step up at renewal is real elsewhere: the median price from across listed brands is €13.15, introductory prices hold a median of €2.99 and top out at €6, while renewal prices carry a median of €5.99 and reach €10.46 at the upper end. Readers who shop on the headline entry number alone are not seeing that step up anywhere on this site. The peers make the same point. Billy's price from is DKK 160, Aspire's is SGD 0 and ifirma's is PLN 0, so the deciding question is what a plan includes rather than what it costs to open an account. The accounting software ranking on this site has a median entry price of €16.66, and the payroll software ranking sits at €21.40, both above the ANNA Money entry figure. Company formation is priced on its own line, with packages from £19 and the state fee inside that price, against a site median package price of €78.05 and a median first year company cost of €11.61. Company renewal elsewhere runs to a median of €14.94 a year, so the registration year is the cheaper of the two for most brands.
Tax and e-invoicing compliance
Local compliance is listed as mtd vat and mtd itsa, which covers the digital filing rules for VAT and self assessment in the UK. Those are the two returns a sole trader or limited company meets most often, and having them inside the product is the reason tax work sits next to the books rather than in a separate app. E-invoicing is the gap to keep in view. 93.5% of the brands here carry e-invoicing, against 8.7% for the Belgian e-invoicing network and 2.2% for sales tax with tax representatives. Neither sits in the ANNA Money compliance list, which stops at VAT and self assessment, so a business that must issue structured invoices looks elsewhere for that piece. Payroll is included, so payroll tax runs in the same place as the rest of the filing, and bank feeds keep the records a return is built from. The filing side is UK shaped: the company is based in the United Kingdom and company formation covers GB only, so a business with returns in another market needs a second provider for those. For a UK small business the practical effect is a set of books that feeds both the accounts and the returns, with payroll tax handled in the same product. For anyone outside the UK, the compliance story reduces to general bookkeeping rather than local filing.
How ANNA Money compares
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 9.1- 9.2 vs 9.2
9.2 vs 9.5
9.2 vs 9.0- 9.2 vs 8.8
- 9.2 vs 9.0
- 9.2 vs 8.9
- 9.2 vs 9.2
9.2 vs 9.3
9.2 vs 8.5
9.2 vs 9.3
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.0
Where ANNA Money is available
- Available
- United Kingdom
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does ANNA Money cost to start with?+
The entry price is £0 and a free plan is available, so opening an account commits a small business to nothing. Company formation sits on its own line, with packages from £19 and the state fee inside that price. The accounting software median entry price on this site is €16.66, so ANNA Money sits at the cheap end of the field.
Is there a free plan or only a free trial?+
There is a free plan, and the pricing model is recorded as a free plan rather than a free trial. Trials across the site run to a median of 14 days, so a clocked trial is a common pattern elsewhere. A free plan carries no end date, which suits a business that wants the books open before it chooses a paid tier.
Does the plan include payroll?+
Payroll is included rather than a paid add-on, and 73% of the brands here include it the same way. In the payroll software ranking, inclusion is the norm and add-ons are the minority. Keeping payroll inside the plan means a pay run feeds the books directly, which suits a small business that pays staff.
Which taxes can it file?+
Local compliance covers mtd vat and mtd itsa, the digital filing rules for VAT and self assessment in the UK. E-invoicing is the gap to check: 93.5% of the brands on this site carry it, while the ANNA Money list stops at VAT and self assessment. A business that must send structured invoices should confirm that separately.
Can I use it on my phone?+
Mobile apps cover ios, so the phone app is an iPhone app. No Android or desktop build is listed, which means a bookkeeper on a Windows machine reaches the product through a browser rather than a native app. Worth confirming before a team standardises on one device across the business.
How do I get help when something goes wrong?+
Support runs on help centre only, so questions are answered through written help rather than a live channel. There is no phone line or chat listed alongside it, which matters if a filing deadline makes a spoken conversation useful. The help centre is the single point of contact for this brand.
Can it register a company as well?+
Yes. Formation packages run from £19 with the state fee included and a turnaround of 1. Formation covers GB only. The site median first year company cost is €11.61 against €14.94 at renewal, so registration is the cheaper year for most providers listed.
Who is ANNA Money built for?+
The stated audience is small business, the company was founded in 2017 and it is based in the United Kingdom. That points at owner managed businesses rather than large finance departments, in a market where the filings covered are mtd vat and mtd itsa. Buyers with multi country obligations are a poor match for that shape.
Sources
- apps.apple.com/us/app/anna-business-account-tax/id1333008275 checked September 26, 2026
Backs: Platforms
“trackName=ANNA Business Account & Tax; sellerName=ABSOLUTELY NO NONSENSE ADMIN LTD”
- anna.money checked September 26, 2026
Backs: Bank feeds
“Connect your bank accounts to see your finances in one place”
- anna.money/about checked September 26, 2026
Backs: Founded, Headquarters
“ANNA was founded in 2017”
- anna.money/help checked September 26, 2026
Backs: Support channels
“ANNA Help Centre”
- anna.money/introducers checked September 26, 2026
Backs: Audience
“business account and tax app for small businesses”
- anna.money/plus-taxes/payroll checked September 26, 2026
Backs: Payroll
“ANNA Payroll is HMRC-recognised online payroll software for small businesses”
- anna.money/pricing checked September 26, 2026
Backs: Free plan, Local compliance, Pricing model, Price from
“Free - GBP 0 Pay for what you use”
- anna.money/register-a-company checked September 26, 2026
Backs: Jurisdictions, Package price from, State fee included, Turnaround time
“Register your Ltd from £19”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free trial length.
ANNA Money
Free entry pricing with payroll and UK tax filing for a small business.