Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings

ANNA Money review

Updated September 28, 2026 · DebitCue 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.

Our verdict

ANNA Money charges a monthly fee of £0 and an annual fee of £0, with a currency conversion fee of 1%. It suits UK businesses and freelancers who pay and get paid in several currencies, though anyone wanting rewards or a card that builds credit should look elsewhere.

Key facts

Best for
A UK business or freelancer holding and paying in several currencies
Annual fee
£0 (Source, checked September 26, 2026)
Currency conversion fee
1% (Source, checked September 26, 2026)
Rewards type
None (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Multi-currency
Audience
Business
Official website
anna.money

Debit cards

Monthly fee
£0 (Source, checked September 26, 2026)
Currency conversion fee
1% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre (Source, checked September 26, 2026)
Features
Multi-currency
Audience
Business

Apps and profiles

Get the app
App Store
Elsewhere
Trustpilot

Pros and cons

Pros

  • Nothing to keep the account open, with a monthly fee of £0 and an annual fee of £0 on a no annual fee model
  • Multi-currency support sits behind a single debit card rather than separate products
  • A mastercard card for everyday business spending

Cons

  • Converting money is not free: the fee is 1% against a site median of 1%, and the brand ranks 81 of 181 on currency conversion fee
  • Support runs on email, chat and help centre only, with no phone line for an urgent payment query
  • The rewards type is none, so card spend earns nothing back
ANNA Money

Ready to try ANNA Money?

Scored 8.8 / 10 by DebitCue.

See alternatives

Who it suits

  • UK businesses and sole traders paying suppliers in more than one currency
  • Freelancers billing overseas who want multi-currency balances
  • Sole traders who want a business account with a £0 monthly fee and a £0 annual fee

Who should look elsewhere

  • Anyone chasing cashback or points, because the rewards type is none
  • Businesses that convert money often and want a fee of 0% instead
  • Applicants building a credit record, since this is a debit card, not credit

Fees and currency costs

Keeping the account costs a monthly fee of £0 and an annual fee of £0, on a no annual fee model. Spending is where charges appear: the currency conversion fee is 1%, while the site median runs 1% and the wider range runs 0% to 10.5%. Holding balances in the currencies you actually spend in keeps that charge off the account, so multi-currency pays off when receipts and payments line up.

How ANNA Money compares

Where ANNA Money is available

Available
United Kingdom

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does ANNA Money charge to open a business account?+

The monthly fee is £0 and the annual fee is £0, on a no annual fee model. So holding the account costs nothing on a regular basis, and the first real charge is likely to be a currency conversion.

What does it cost to convert money?+

The currency conversion fee is 1%. For scale, the site median is 1% and the range runs 0% to 10.5%, so this sits above the middle of the market and the charge bites harder for businesses that convert often.

Is this a debit card or a credit card?+

It is a debit card on the mastercard network, aimed at a business audience. Spending comes straight from the account balance rather than a credit line, so there is no APR to weigh and no credit history to build.

Can I hold more than one currency?+

Multi-currency support is listed as a multi currency, which suits businesses that invoice and pay abroad. The catch is the currency conversion fee of 1% whenever money moves between currencies, so the feature pays off when receipts and payments line up.

Is the account regulated?+

No regulator or licence is listed for this brand, so check the terms with the provider before opening one. The account is based in the United Kingdom and has been running since 2017.

How do I get help if a payment is blocked?+

The support channels are email, chat and help centre, so email, chat and the help centre are the routes in. There is no phone channel listed, which means a blocked payment may take a written exchange to resolve.

Does spending on the card earn anything?+

The rewards type is none. As a debit card for business spending, treat it as a payment tool rather than a rewards card and put the savings elsewhere.

How does ANNA Money compare on cost?+

On the two standing charges it leads, with a monthly fee of £0 and an annual fee of £0. The conversion fee of 1% pulls it back, and it ranks 81 of 181 on that measure.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

ANNA Money

ANNA Money

A UK business or freelancer holding and paying in several currencies

8.8/10See alternatives