Know what you owe HMRC at any moment
Self Assessment catches a lot of dog walkers off guard. With ANNA, your tax estimate updates in real time as income and expenses come in. No nasty surprises when January rolls around.
The best business account for dog walking businesses
Invoices sent for every walk, equipment and insurance expensed, tax set aside as clients pay. ANNA handles the admin side so you can focus on the dogs.
- Send invoices for every walk or package
- Expense equipment and insurance automatically
- Tax set aside as each payment arrives
- VAT, Corporation Tax or MTD Self Assessment sorted
Trusted by 100,000+ business owners
How ANNA helps run your dog walking business
Running a dog walking business looks straightforward from the outside. The financial admin tells a different story – insurance renewals, equipment costs, Self Assessment in January. Here's what you're actually dealing with – and what ANNA handles for you.
Equipment and insurance, expensed properly
Leads, harnesses, treat pouches, poo bags, first aid kits, mileage between pickups and drop-offs – plus your public liability insurance and care, custody and control cover. These are all allowable expenses. ANNA's AI receipt scanner reads each receipt and categorises it automatically. No manual entry, no missing deductions.
Keep track of every client and payment
Whether you charge per walk, weekly, or monthly, ANNA helps you track who's paid and who hasn't – without a spreadsheet in sight. Raise invoices in seconds and add a payment link so clients can pay by card from their phone.
Set tax aside as each payment arrives
Dog walking income often arrives in small, regular amounts – a few payments a week from different clients. ANNA's Tax Pot moves a percentage into a separate pot automatically each time money lands in your account. When Self Assessment comes round, the money's already there.
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.
Cancellations and no-shows, invoiced properly
A client cancels with no notice – do you charge the fee you quoted? Raise an invoice for it in seconds and add a payment link, so an awkward conversation doesn't turn into an unpaid one.
Invoicing
Invoice your clients in seconds
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 dog walking businesses: Most clients pay reliably – but some don't. ANNA sends automatic payment reminders so you don't have to have the awkward conversation about an overdue walk.
- Create and send invoices in seconds
- Payment links – clients pay by card from their phone
- Recurring invoices for weekly and monthly clients
Expenses
Every dog walking 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 dog walking businesses: Insurance, leads, treats, poo bags – the small stuff adds up across a year of daily walks. ANNA's AI receipt scanner catches every receipt automatically, so nothing gets left in a coat pocket.
- 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 dog walking businesses: Dog walking income often arrives in dribs and drabs – a few clients paying at different times each week. Setting aside tax as each payment lands (not as a lump sum in January) means you're never caught short when HMRC wants its share.
- 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, MTD Self Assessment or 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 dog walking 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 dog walkers 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 dog walking businesses: Great when you've taken on another walker to cover your rounds. They spend within the limit you set – ANNA logs it automatically, so your records stay clean without any admin back-and-forth.
- 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 dog walking 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 dog walking business?
It depends on your structure – but separating business and personal money almost always makes financial admin easier.
If you're a sole trader dog walker
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 dog walking 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.
Brilliant business account for a new starter business, always someone available to help out on the 'chat with us' box when unsure on anything. The app is so easy to use, no messing about.
Emma
Trustpilot, 11 September 2024
A safe place for business owners. Easy access to your money, safety checks where required, great customer service and responsive. Thank you ANNA.
Nicholas
Trustpilot, 3 July 2026
Brilliant business account for a new starter business, always someone available to help out on the 'chat with us' box when unsure on anything. The app is so easy to use, no messing about.
Emma
Trustpilot, 11 September 2024
A safe place for business owners. Easy access to your money, safety checks where required, great customer service and responsive. Thank you ANNA.
Nicholas
Trustpilot, 3 July 2026
Brilliant business account for a new starter business, always someone available to help out on the 'chat with us' box when unsure on anything. The app is so easy to use, no messing about.
Emma
Trustpilot, 11 September 2024
A safe place for business owners. Easy access to your money, safety checks where required, great customer service and responsive. Thank you ANNA.
Nicholas
Trustpilot, 3 July 2026
ANNA makes admin a breeze and helps me keep track of which reprobates haven't paid me. I love it when my card miaows, but I'd prefer it to 'woof'
Ed Woodcock
Trustpilot
Just amazing. An easy to use app/platform. The most helpful, professional and knowledgeable team.
Fraser Gregory
Trustpilot, 12 July 2026
ANNA makes admin a breeze and helps me keep track of which reprobates haven't paid me. I love it when my card miaows, but I'd prefer it to 'woof'
Ed Woodcock
Trustpilot
Just amazing. An easy to use app/platform. The most helpful, professional and knowledgeable team.
Fraser Gregory
Trustpilot, 12 July 2026
ANNA makes admin a breeze and helps me keep track of which reprobates haven't paid me. I love it when my card miaows, but I'd prefer it to 'woof'
Ed Woodcock
Trustpilot
Just amazing. An easy to use app/platform. The most helpful, professional and knowledgeable team.
Fraser Gregory
Trustpilot, 12 July 2026
How ANNA business account compares
Key features for dog walking 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 dog walking 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.
Yes – if your income from dog walking exceeds £1,000 in a tax year, you must register as self-employed with HMRC and file a Self Assessment tax return. The deadline to register is 5 October following the end of the tax year in which you started. A free ANNA account helps you keep records from day one.
Quite a lot. Public liability insurance, care, custody and control insurance, leads, harnesses, treats, poo bags, first aid supplies, and any marketing costs. ANNA's AI receipt scanner captures and categorises them automatically as you go.
Public liability insurance (covers injury or damage caused by a dog in your care) and care, custody and control cover (covers vet bills if a dog is hurt while with you) are both strongly recommended – and both are fully deductible business expenses. ANNA's receipt scanner logs your premiums automatically and we partnered with Admiral to get you the best offer for your insurance
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 dog walking. See how it fits yours.