Updated October 13, 2026 · SumCue Editorial Team
ANNA Money vs Circula
ANNA Money
Higher score in this comparison
Circula
ANNA Money vs Circula: the differences
| Compare | ANNA MoneyReviewSee alternativesSee alternatives | CirculaReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 1%Lower | 2% |
| Annual fee | £0 | Not confirmed |
| Rewards type | None | Not confirmed |
| Perks | Not confirmed | Apple Pay, Google Pay, Virtual and physical Visa cards, 750,000 EUR transaction limit per card, Unlimited number of cards, Real time transaction overview, Automatic expense creation, Visa 3D Secure, Automated receipt matching to card transactions |
| Card kind | Not confirmed | Credit |
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Our verdict on each
ANNA Money
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.
Circula
Circula is a credit card option known for virtual and physical cards that work with wallet payments. It appeals to people who want a live transaction overview with automatic expense creation and receipt matching, plus chat and email support for everyday questions.
Score breakdown
| Area | ANNA Money | Circula |
|---|---|---|
| Cost | 9.2HigherMonthly fee £0 and annual fee £0 are both no annual fee, so running the account costs nothing. | 8.8 |
| Offer | 9.4 | 9.6Higher |
| Trust | 8.3 | Not confirmed |
How they place
| Ranking | ANNA Money | Circula |
|---|---|---|
| Credit and debit cards | 563 of 1594 | 1083 of 1594 |
Every fact side by side
| Fact | ANNA Money | Circula |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Multi currency | Not confirmed |
| Audience | Business | Business |
| Legal entity | Not confirmed | Circula GmbH |
| Headquarters | United Kingdom | Germany |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Chat, Help centre | Chat, Email, Help centre |
Debit cards
| Fact | ANNA Money | Circula |
|---|---|---|
| Monthly fee | £0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Mastercard | Not confirmed |
Where each stands against the rest
| Fact | ANNA Money | Circula | Median |
|---|---|---|---|
| Annual fee | £0at the median | Not confirmed | £0 |
| Currency conversion fee | 1%at the median | 2%above the median | 1% |
Median across 314 listed providers.
Pros and cons
ANNA Money
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
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
Circula
Pros
- Virtual and physical cards support wallet payments for everyday spending
- Live transaction overview with automatic expense creation and receipt matching
- Chat and email support plus help centre for guidance
Who each suits
ANNA Money
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
Circula
Who it suits
- People who want live views of card activity
- People who prefer automatic receipt matching
Current offers
Circula
Current offer
Free trial
Kostenlos testen (free trial of Circula, including expense management)
Sign-up required at app.circula.com; free trial offered on pricing and credit card pages
Source, checked September 26, 2026
Country by country
| Country | ANNA Money | Circula |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
ANNA Money
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.
Circula
What does Circula offer?+
Circula offers credit cards in virtual and physical forms that work with wallet payments. The cards include a live transaction overview with automatic expense creation. Automated receipt matching helps keep card activity and records linked together.
Who might choose Circula?+
Circula may appeal to people who manage regular card spending and want clearer records. A live overview supports steady review of activity across cards. Automatic creation of expenses can reduce time spent on manual notes.
Other options to compare
ANNA Money
Circula