ANNA Money review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
ANNA Money suits sole traders and small firms that want a multi-currency account with a Mastercard debit card and no monthly charge. Its currency conversion fee of 1% is the catch, and support runs on email, chat and help centre only.
Key facts
- Best for
- A business account holder who spends in several currencies and wants a Mastercard debit card at no monthly cost.
- Monthly fee
- £0↗
- Currency conversion fee
- 1%↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Headquarters
- United Kingdom↗
- Founded
- 2017↗
- Support channels
- Email, Chat, Help-centre↗
- Features
- Multi-currency
- Audience
- Business
- Official website
- anna.money
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- Trustpilot
Pros and cons
Pros
- Monthly fee of £0
- Multi-currency account through multi currency
- Mastercard debit card, debit on the mastercard network
- Regulated in the UK by the Financial Conduct Authority
Cons
- Currency conversion fee of 1% against 0% at Monzo Flex and 0.1% at Wise
- Support runs on email, chat and help centre only, with no phone line
- Ranked 117 of 237 on currency conversion fee
Who it suits
- Sole traders and limited companies that buy from suppliers in more than one currency, given multi currency
- Anyone who wants an everyday Mastercard debit card rather than a prepaid or virtual card, since debit
Who should look elsewhere
- Frequent travellers who convert large amounts, because 1% is far above 0%
- Monzo Flex users, who pay 0% to convert
- Wise users, who convert at 0.1%
Trading and withdrawal fees
The business account has a monthly fee of £0, which is rare in this category. The currency conversion fee is 1%, against 0% at Monzo Flex and 0.1% at Wise. Free ATM withdrawals are not listed for this brand, and the account is multi-currency.
Where it sits among rivals
On monthly fee it ranks 1 of 379 brands, the top of the table. On currency conversion fee it ranks 117 of 237, so the free month and the conversion fee pull in opposite directions. The cost part of the score is 5.5.
How ANNA Money compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.6
9.0 vs 9.0
9.0 vs 9.1Its card also carries a monthly fee of €0.
9.0 vs 8.9
9.0 vs 8.1
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9- 9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.3
Where ANNA Money is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (900594), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the ANNA Money monthly fee?+
The business account has a monthly fee of £0. That is a rare offer in this category, and the card is a debit card on the mastercard network rather than a paid metal card.
How much does ANNA Money charge to convert currency?+
The currency conversion fee is 1%. Monzo Flex charges 0% and Wise charges 0.1%, so the gap is wide for anyone converting sizeable sums.
Is ANNA Money regulated in the UK?+
ANNA Money is regulated in the UK by the Financial Conduct Authority under reference 900594. The account is aimed at a business audience and is headquartered in the United Kingdom.
What kind of card does ANNA Money issue?+
It is a debit card running on the mastercard network. Because the account targets a business audience, the card and pricing are set up for company spending.
Can I hold several currencies in one ANNA Money account?+
Yes, multi currency is one of the account features, so you can keep and pay out in several currencies. Converting between them costs 1%.
How do I reach ANNA Money support?+
Support runs on email, chat and help centre. If a phone line matters, check elsewhere: phone support appears in 44.7% of the brands compared here, against 79.6% for a help centre.
How does ANNA Money rank against rivals on cost?+
On monthly fee it sits at 1 of 379 brands, effectively the top of the table. On currency conversion fee it ranks 117 of 237, so the free month and the conversion fee pull in opposite directions.
When was ANNA Money founded?+
The company was founded in 2017 and is based in the United Kingdom. Its pricing lists the account as a business offering rather than a personal current account.
Sources
- anna.money/about checked September 26, 2026
Backs: Founded
“ANNA was founded in 2017 - Free plan account context”
- anna.money/business-account checked September 26, 2026
Backs: Licences
- anna.money/contact checked September 26, 2026
Backs: Support channels
“use the in-app chat - available 24/7; support@anna.money”
- anna.money/introducers checked September 26, 2026
Backs: Audience
“business account and tax app for small businesses”
- anna.money/pricing checked September 26, 2026
Backs: Features, Currency conversion fee, Monthly fee
“International payments and currency accounts - Free plan”
- finovate.com/anna-money-brings-biometric-re-authenticatio... checked September 26, 2026
Backs: Headquarters
“headquartered in the U.K.”
- moneytothemasses.com/business/bank-accounts/anna-business... checked September 26, 2026
Backs: Card type, Card network
“you can spend using the Mastercard debit card”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
ANNA Money
A business account holder who spends in several currencies and wants a Mastercard debit card at no monthly cost.