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ANNA Money review

Updated September 28, 2026 · SumCue 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 businesses and sole traders who want a straightforward multi-currency account with no monthly or annual charge. Spend comes off a Mastercard debit card rather than a credit card, and the only real cost to weigh is the currency conversion fee of 1% when money moves outside the UK.

Key facts

Best for
A business or sole trader wanting a fee-free multi-currency account with a debit card
Annual fee
£0↗
Currency conversion fee
1%↗
Rewards type
None↗
Headquarters
United Kingdom↗
Founded
2017↗
Support channels
Email, Chat, Help-centre↗
Pricing model
No annual fee
Features
Multi-currency
Audience
Business
Official website
anna.money

Debit cards

Monthly fee
£0↗
Card type
Debit↗
Card network
Mastercard↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
Trustpilot

Pros and cons

Pros

  • No monthly fee of £0 and no annual fee of £0, and the account is run as no annual fee
  • Multi-currency accounts are supported as a multi currency
  • Card is a debit card on the Mastercard network, so spending draws on current balance rather than credit
  • Support runs on email, chat and help centre

Cons

  • Currency conversion costs 1% on foreign spend, so frequent overseas buying adds up
  • Help is limited to email, chat and help centre, with no phone line listed
ANNA Money

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Businesses and sole traders that hold and spend in more than one currency
  • Anyone who wants everyday spending on a Mastercard debit card with no monthly charge

Who should look elsewhere

  • Anyone wanting a credit card, since the card offered is debit and rewards are none
  • Frequent overseas spenders who would rather pay Wise's currency conversion fee of 0%
  • Households rather than businesses, since the account is built for a business audience

How it compares on our data

On our data, ANNA Money sits in joint first place on annual fee, ranked 1 out of 312 brands, because the charge is £0 and the model is no annual fee. The currency conversion fee is less competitive: 1% places it at 84 out of 186, above the cheapest converters in the same ranking. Cost strength comes from the fees that are absent rather than the one that is charged.

The company behind it

ANNA Money is headquartered in the United Kingdom and was founded in 2017, so it is a relatively young operation built for business customers. Help runs through email, chat and help centre, which covers written and instant messaging plus a self-service help centre, with no phone channel listed. Anyone who needs to resolve a payment problem by voice should weigh that before opening the account.

How ANNA Money compares

Where ANNA Money is available

Available
United Kingdom

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

Frequently asked questions

How much does an ANNA Money account cost to run?+

The monthly fee is £0 and the annual fee is £0, and the account is sold as no annual fee. The main charge most customers will meet is the currency conversion fee of 1% when spending or converting in another currency.

Is this a credit card or a debit card?+

It is a debit card on the mastercard network, so purchases draw on the money in the account rather than borrowing. Rewards are listed as none, so there is nothing to earn back on everyday spending.

Does the card support multiple currencies?+

Multi-currency support is listed as a multi currency of the account, which suits businesses that invoice and buy in different currencies. Converting between them carries a fee of 1%.

How do I get help if something goes wrong?+

Support is offered through email, chat and help centre. That covers email, chat and a help centre, and phone help is not among the listed channels, so urgent issues have to go through written or chat support.

Who is the account aimed at?+

The account is built for a business audience rather than personal customers, so it suits companies, sole traders and freelancers. Individuals looking for a personal everyday account would be better served by a retail provider.

Are my deposits protected?+

The available details cover fees, the card, features and support, and they do not set out a protection scheme or the regulator for the account. Anyone holding a large balance should confirm the safeguarding position with the provider before relying on it.

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 business or sole trader wanting a fee-free multi-currency account with a debit card

8.9/10See alternatives