Know how much tax you owe
With ANNA, tax is never a surprise. You'll know what you owe HMRC in real time, based on all your transactions and invoices.
The best business account for construction businesses
, Invoices sorted, materials and tools expensed, retention money kept separate. ANNA handles the admin side so you can focus on the build.
- Create and send invoice automatically
- Expense materials and tools on the go
- Set tax aside as each payment lands
- VAT and Corporation calculated and filed
Trusted by 100,000+ business owners
How ANNA helps run your construction business
The financial side of a construction business doesn't look like most other trades. Big payments, delayed payments, subcontractors, materials. Here's what you're actually dealing with – and what ANNA handles for you.
Materials and tools, expensed properly
timber, fixings, plant hire, specialist kit – the receipts pile up fast. ANNA's AI receipt scanner reads each one and categorises the expense automatically. No missing receipts, no manual entry.
Money for taxes set aside
ANNA will automatically save the % of your income in a tax pot so you're never scrambling when HMRC comes calling
Pay yourself or a team member simply
Running a limited company? The +Taxes add-on includes payroll for a director or employee, built into the same app you use for everything else.
Retention money, tracked separately
Customers often hold back 5% of the contract value until the snagging list is signed off. Set up a separate pot for retention money in ANNA so it's never mistaken for spendable cash.
Give your site team their own card
Handing over your main card for a materials run? Give labourers or subcontractors their own ANNA expense card with a spending limit instead – no petty cash, no chasing receipts afterwards.
Invoicing
Invoice before the dust settles
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 construction businesses: Chase late payments automatically. Construction clients are notorious for paying late. ANNA sends reminders so you don't have to make that awkward call.
- Create and send invoices in seconds
- Payment links – clients pay by card from their phone
- Recurring invoices for weekly and monthly clients
Expenses
Every construction 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 construction businesses: Materials and plant hire are usually the biggest expense category in construction – and the easiest to under-claim if a receipt gets left in the van. ANNA's AI receipt scanner catches every one automatically, so nothing gets missed by year end.
- 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 construction businesses: Cash flow in construction is lumpy by nature – a big payment in March, silence in August. Setting aside tax as each payment arrives (not as a lump sum in January) is the simplest way to stay on top of it without losing sleep. [Duplicate]
- 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 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 construction businesses: Once your turnover hits £90,000 you must register for VAT and file 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 labourers 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 construction businesses: Great for subbies who buy materials and charge you back. They spend within the limit you set, 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 construction 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 construction business?
It depends on your structure – but separating business and personal money almost always makes financial admin easier.
If you're a sole trader tradesperson
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 construction 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.
I'm a builder, good with building houses not so much with admin and all this stuff and this is amazing, iv got a virtual office and everything. Must have the quickest response to in app chat iv ever seen.
Samuel
Trustpilot, 8 January 2025
Anna Money is simply awesome. I can't believe how easy and simple it is to get help and support with almost any question. Helped me open my business within hours instead of days.
Luxury Interiors GJM
Trustpilot, 3 July 2026
I'm a builder, good with building houses not so much with admin and all this stuff and this is amazing, iv got a virtual office and everything. Must have the quickest response to in app chat iv ever seen.
Samuel
Trustpilot, 8 January 2025
Anna Money is simply awesome. I can't believe how easy and simple it is to get help and support with almost any question. Helped me open my business within hours instead of days.
Luxury Interiors GJM
Trustpilot, 3 July 2026
I'm a builder, good with building houses not so much with admin and all this stuff and this is amazing, iv got a virtual office and everything. Must have the quickest response to in app chat iv ever seen.
Samuel
Trustpilot, 8 January 2025
Anna Money is simply awesome. I can't believe how easy and simple it is to get help and support with almost any question. Helped me open my business within hours instead of days.
Luxury Interiors GJM
Trustpilot, 3 July 2026
I run a small limited business and trying to navigate HMRC and keep track of your accounts can be a nightmare, but I can honestly say this has been a game changer.
Peter
Trustpilot, 9 January 2026
I have confidence in my business transactions with Anna. The real time chat facility is a big leap in customer service compared to a competitor I used to use.
G Fitz
Trustpilot, 30 June 2026
I run a small limited business and trying to navigate HMRC and keep track of your accounts can be a nightmare, but I can honestly say this has been a game changer.
Peter
Trustpilot, 9 January 2026
I have confidence in my business transactions with Anna. The real time chat facility is a big leap in customer service compared to a competitor I used to use.
G Fitz
Trustpilot, 30 June 2026
I run a small limited business and trying to navigate HMRC and keep track of your accounts can be a nightmare, but I can honestly say this has been a game changer.
Peter
Trustpilot, 9 January 2026
I have confidence in my business transactions with Anna. The real time chat facility is a big leap in customer service compared to a competitor I used to use.
G Fitz
Trustpilot, 30 June 2026
How ANNA business account compares
Key features for construction 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 construction 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.
CIS support is on the way – ANNA has it listed as coming soon. In the meantime, ANNA keeps all your income and payment records in one place, which makes it straightforward to track what's been deducted when you come to file.
Just message ANNA with what you're invoicing for and your customer's details, and we'll create a professional invoice in a tap. Every invoice includes a payment QR code, so your customer can scan it and pay you straight away. And if they're late, we'll chase the payment for you.
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 subbies need to pick up materials on site 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 construction. See how it fits yours.