Lots of small, regular client payments
10–15 weekly clients, each paying £60–80 on different days. ANNA will chase outstanding invoices and reconcile payments automatically.
The best business account for cleaning businesses
Invoices sent to regular customers, expenses categorised, and tax set aside automatically. ANNA handles the admin side so you can focus on the next job.
- Create, send and chase invoices for regular clients
- Expenses categorised automatically
- Tax money set aside
- VAT, Corporation Tax or MTD Self Assessment sorted
Trusted by 100,000+ business owners
How ANNA helps run your cleaning business
The financial side of a cleaning business has patterns that generic accounts aren't built for. Here's what you're actually dealing with – and what ANNA handles for you.
Knowing how much tax you owe
With ANNA tax is never a surprise. You will know how much you owe HMRC real time, based on all your transactions and invoices.
No more missing HMRC deadlines
ANNA will make sure you never miss an important tax deadline and file everything on time.
Easy Payroll
Pay yourself or set up a new employee payroll with ANNA's built-in solution tailored for small business owners with high employee turnover.
Every expense accounted for
Cleaning products, cloths, specialist solutions – expensed automatically. No missing receipts, or human errors.
One-off jobs and recurring contracts, invoiced differently
A weekly client needs a recurring invoice sent automatically. A one-off deep clean just needs a quick invoice with a payment link. ANNA handles both without extra admin.
Invoicing
Send an invoice before you've packed up the mop
Create and send a professional invoice in seconds, directly from the ANNA app. Add a payment link so clients can pay by card on the spot. Set up recurring invoices for regular clients so you never have to think about it.
For cleaning businesses: Chase late payments automatically. ANNA sends reminders so you don't have to have awkward conversations with clients who've quietly forgotten to pay.
- Create and send invoices in seconds
- Payment links – clients pay by card from their phone
- Recurring invoices for weekly and monthly clients
Expenses
Every cleaning expense, categorised automatically
ANNA will remind you to take a picture of receipts as you buy. Our AI receipt scanner reads them and categorises the expense. It all lands in the right place, ready for your tax return.
For cleaning businesses: Efficient expense categorisation means no transaction gets missed and there's no human error. ANNA sorts every receipt into the right category, so you maximise the tax you can claim.
- AI-powered receipt scanner – photo it and move on
- Efficient expense auto-categorisation
- No missed transactions and no human error
- No human accountant needed – it's all handled for you
Tax Pot
Tax set aside automatically, so there are no nasty surprises
Every time you get paid, ANNA can automatically move a percentage into a Tax Pot. When MTD Self Assessment or a VAT bill arrives, the money's already there. No scrambling, no borrowing, no stress.
For cleaning businesses: Income can be lumpy – a busy spring, a quiet August. Setting aside tax as you earn (not as a lump sum in January) is the simplest way to stay on top of it without an accountant.
- Running tax estimate so you always know what you owe
- Separate pot for VAT, Corporation tax or Self assessment
- Automatic Tax Pots – set your percentage and forget it
Auto Accountant · +Taxes
VAT, Self Assessment and Corporation tax – handled
ANNA's Auto Accountant calculates your taxes behind the scenes, so that you can review and file them directly with HMRC – no spreadsheets, no accountant required.
For cleaning businesses: Once your turnover hits £90,000 you must register for VAT and file it quarterly. ANNA handles it for you, one more job off your to do list.
- Auto Accountant calculates your taxes on the background
- VAT filing directly to HMRC (MTD-compliant)
- MTD Self Assessment filed in a few clicks
- Corporation Tax sorted if you run a limited company
- Expert support when you need a human
Team expense cards
Give your team a card – with limits you control
When your cleaners need to buy supplies on a job, give them their own ANNA business expense card with a spending limit. No petty cash, no reimbursements, no receipts shoved in a pocket.
For cleaning businesses: Great for subcontractors who buy supplies and charge you back. They spend within the limit, ANNA logs every transaction automatically.
- Up to 5 expense cards on the Business plan
- Set individual spending limits per card
- See all team spending in one place in real time
- Virtual cards available instantly
Plans that grow with your cleaning business
Start free, upgrade as you grow. No hidden fees, cancel any time.
Pay As You Go
£0Pay for what you use
Basic account with no monthly fees. You only pay for what you use
No monthly fee
0.95% commission on all payments into your account
No commission on transfers from your own accounts
Business
Most Popular
£22.90a month+VAT
Business account with all the essentials to get your business growing
First month is free
60 free local transfers
Up to 5 free expense cards
Big Business
£59.90a month+VAT
Unlimited account with everything your business needs to thrive
First month is free
Unlimited free local transfers
Unlimited free expense cards
+Taxes add-on
£29.00a month+VAT
Your bookkeeping, corporation tax, VAT and payroll sorted. LTD companies only
Tax calculation & filing
Auto-bookkeeping
Expert tax support
Do you need a business account for a cleaning business?
It depends on your structure – but separating business and personal money almost always makes financial admin easier.
If you're a sole trader cleaner
Not legally required, but HMRC expects clear business records. Mixing them with personal spending makes your tax return harder and gives HMRC more to question. A free account solves this in minutes.
If you run a limited cleaning company
A limited company is a separate legal entity. Using a personal account for company money isn't permitted – it can create serious tax and legal problems.
If you work with staff or subcontractors
Once you're paying other people, a proper business account makes it much easier to track payments, manage invoices and keep clean records for HMRC.
Businesses that use ANNA
Business owners love ANNA, from our clever tools to the human touch that makes running your business feel so easy.
This is more than a bank account, it's a proper tool for managing business finances. As a self employed cleaner I find Anna incredible! The functionality of the app is incredible. I can make professional pdf invoices in minutes and attaching receipt etc is so easy. Great value for money and just so simple to use. Definitely recommend!
Mrs Smith
Trustpilot, 20 May 2026
I'm self employed, one man and one van small business, so ANNA was perfect for me. The team are great, their response time is basically straight away.
Imran Ismail
Trustpilot, 10 July 2026
This is more than a bank account, it's a proper tool for managing business finances. As a self employed cleaner I find Anna incredible! The functionality of the app is incredible. I can make professional pdf invoices in minutes and attaching receipt etc is so easy. Great value for money and just so simple to use. Definitely recommend!
Mrs Smith
Trustpilot, 20 May 2026
I'm self employed, one man and one van small business, so ANNA was perfect for me. The team are great, their response time is basically straight away.
Imran Ismail
Trustpilot, 10 July 2026
This is more than a bank account, it's a proper tool for managing business finances. As a self employed cleaner I find Anna incredible! The functionality of the app is incredible. I can make professional pdf invoices in minutes and attaching receipt etc is so easy. Great value for money and just so simple to use. Definitely recommend!
Mrs Smith
Trustpilot, 20 May 2026
I'm self employed, one man and one van small business, so ANNA was perfect for me. The team are great, their response time is basically straight away.
Imran Ismail
Trustpilot, 10 July 2026
Anna banking has made my life simple. I can buy materials in a shop and with my Anna card take a picture in the app and throw the receipt away, my accounting for that transaction is done.
Dominic
Trustpilot, 2 June 2026
Was quick and easy to set up. Invoicing is also quick and easy as the app does it all for you. Automatically sends invoices and creates thank you emails once invoice is paid!
Jamie Sutherland
Trustpilot, 16 March 2026
Anna banking has made my life simple. I can buy materials in a shop and with my Anna card take a picture in the app and throw the receipt away, my accounting for that transaction is done.
Dominic
Trustpilot, 2 June 2026
Was quick and easy to set up. Invoicing is also quick and easy as the app does it all for you. Automatically sends invoices and creates thank you emails once invoice is paid!
Jamie Sutherland
Trustpilot, 16 March 2026
Anna banking has made my life simple. I can buy materials in a shop and with my Anna card take a picture in the app and throw the receipt away, my accounting for that transaction is done.
Dominic
Trustpilot, 2 June 2026
Was quick and easy to set up. Invoicing is also quick and easy as the app does it all for you. Automatically sends invoices and creates thank you emails once invoice is paid!
Jamie Sutherland
Trustpilot, 16 March 2026
How ANNA business account compares
Key features for cleaning businesses, side by side.
| Account | Monthly fee | Payroll | Accounting | Payment link | FSCS |
|---|---|---|---|---|---|
| ANNA | From £0 | YesNative | Built-in | Yes | Yes |
| Tide | From £0 | Yes | BasicBuilt-in | Yes | Yes |
| Starling | £0 | YesNative | via Xero + Quickbooks | No | Yes |
| Monzo Business | From £0 | Yes | via Xero | Yes | Yes |
| Barclays | £8.50/mo | No | No | No | Yes |
Fees and features correct at time of writing. Always check provider websites for the latest details.
Common questions from cleaning businesses
No – sole traders aren't legally required to keep business and personal money separate. But HMRC expects clear records of business income and expenses, and mixing them with personal transactions makes that much harder. A free ANNA account solves this with almost no effort.
Once your taxable turnover exceeds £90,000 in any rolling 12-month period. Once registered, you'll file quarterly under Making Tax Digital (MTD). With ANNA's +Taxes add-on, every VAT return is calculated automatically so that you can submit it directly to HMRC.
Yes – if you are a sole trader, ANNA Auto Accountant will categorise your income and expenses throughout the year, and calculate your MTD Self Assessment automatically so that you can file it in a tap directly with HMRC when it's due. A few clicks, not a few weeks of panic.
Under 10 minutes – you'll need a smartphone, some ID, and your basic business details. Your ANNA business expense card arrives in 2–3 days. Our Cardiff-based team is available 24/7 if anything needs a hand.
You can set up recurring invoices for weekly or monthly clients – once it's configured, ANNA sends them automatically and chases any that aren't paid on time. For one-off jobs, create an invoice in the app, the payment link will be added automatically so that the customer can pay immediately.
Yes – the Business plan includes up to 5 expense cards, each with individual spending limits you set. The Big Business plan has unlimited cards. Useful when subcontractors need to buy supplies on a job without handing over your main card.
Yes – ANNA Auto Accountant prepares your Corporation tax so that you can file it directly with HMRC.
Get your admin sorted in one place
Open an ANNA business account in under 10 minutes. No branch visit, no credit check. Free to start.
Accounts for other business types
ANNA works across all kinds of small businesses – not just cleaning. See how it fits yours.