Sales from every platform synced, marketplace fees and shipping expensed, tax set aside automatically. ANNA handles the admin side so you can focus on growing your store.
Trusted by 100,000+ business owners
The financial side of ecommerce isn't as straightforward as it looks. Sales arrive from multiple platforms, payouts come in on different schedules, marketplace fees eat into every transaction, and VAT rules shift the moment you start selling across borders. Here's what you're actually dealing with – and what ANNA handles for you.
Selling on Shopify, Amazon, eBay, Etsy, or WooCommerce means your income arrives from several directions at once. Connect your stores to ANNA and all your individual sales import automatically – including the VAT your customers paid. No downloading reports, no copy-pasting into spreadsheets, no manual reconciling at month end.
The £90,000 VAT threshold is more reachable than most online sellers expect – especially in a strong quarter. Once you approach it, ANNA will help you to register. Your VAT returns will be calculated automatically so that you can file them directly to HMRC every quarter .. Your VAT position is visible in real time, not just at filing time.
Amazon, eBay, and Etsy all charge selling fees and commission on every transaction. Every penny is tax-deductible – but only if it's in your records. ANNA's Auto Accountant picks these up and categorises them as business expenses automatically when your store is connected. They're in your accounts whether you remember to log them or not.
Postage, courier fees, bubble wrap, padded envelopes, tape – it adds up quickly and it's all deductible. Photograph a receipt in the ANNA app as you buy it. ANNA reads it and categorises it automatically. Nothing falls through the cracks by the time your tax return comes around.
Most ecommerce businesses start at home – and many stay there. A proportion of your broadband, electricity, and home costs can be claimed as business expenses. Log them in the ANNA app and they're ready for your tax return, properly categorised and ready to reduce your bill.
Set aside a percentage of each sale automatically into a separate pot, so the cash for reordering stock is already there when a product sells out.
Invoicing
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 ecommerce businesses: If you sell wholesale, take custom orders, or have B2B clients alongside your marketplace sales, invoicing becomes part of the picture. ANNA handles both sides – marketplace sales that import automatically and one-off invoices you raise manually. Automatic reminders chase late payers so you don't have to make that call.
Expenses
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 ecommerce businesses: Marketplace fees are the most commonly missed deductible expense for online sellers. Amazon, eBay, and Etsy charge commission on every sale – and every penny is tax-deductible. ANNA's Auto Accountant picks these up automatically when you connect your store. You're not leaving money on the table.
Tax Pot
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 ecommerce businesses: Marketplace payouts are irregular by nature – Amazon pays every 14 days, Etsy weekly, eBay on its own schedule. Your cash flow rarely matches your actual sales. Setting aside tax as each payout lands (rather than in one panicked lump in January) is the simplest way to stay on top of it. ANNA does it automatically, so you don't have to think about it.
Auto Accountant · +Taxes
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 ecommerce 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.
Team expense cards
When your VAs or team members 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 ecommerce businesses: Great for VA hires, fulfilment staff, or anyone buying stock, supplies, or postage on your behalf. They spend within the limit you set, ANNA logs every transaction automatically.
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Your bookkeeping, corporation tax, VAT and payroll sorted. LTD companies only
It depends on your structure – but separating business and personal money almost always makes financial admin easier.
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.
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.
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.
Business owners love ANNA, from our clever tools to the human touch that makes running your business feel so easy.
Excellent banking solution for my Shopify store. I'm using ANNA for my Shopify store and I'm very happy with it. Everything is clear, intuitive, and easy to manage, which makes running my business much smoother. Support has been excellent whenever I've needed it. Highly recommended.
Zoey from ANNA was absolutely fantastic. I don't normally leave reviews but felt I needed to this time. I'm doing my first VAT return and Zoey was kind enough to help with my questions.
Excellent banking solution for my Shopify store. I'm using ANNA for my Shopify store and I'm very happy with it. Everything is clear, intuitive, and easy to manage, which makes running my business much smoother. Support has been excellent whenever I've needed it. Highly recommended.
Zoey from ANNA was absolutely fantastic. I don't normally leave reviews but felt I needed to this time. I'm doing my first VAT return and Zoey was kind enough to help with my questions.
Excellent banking solution for my Shopify store. I'm using ANNA for my Shopify store and I'm very happy with it. Everything is clear, intuitive, and easy to manage, which makes running my business much smoother. Support has been excellent whenever I've needed it. Highly recommended.
Zoey from ANNA was absolutely fantastic. I don't normally leave reviews but felt I needed to this time. I'm doing my first VAT return and Zoey was kind enough to help with my questions.
Best business account I have found so far since I switched from PAYE to Self employment. It is very easy to set up, fees are low, and more importantly I get instant and constant customer support.
This app makes my life so much easier. I am never behind in payments and manage to track spending. My favourite is the help with VAT.
Best business account I have found so far since I switched from PAYE to Self employment. It is very easy to set up, fees are low, and more importantly I get instant and constant customer support.
This app makes my life so much easier. I am never behind in payments and manage to track spending. My favourite is the help with VAT.
Best business account I have found so far since I switched from PAYE to Self employment. It is very easy to set up, fees are low, and more importantly I get instant and constant customer support.
This app makes my life so much easier. I am never behind in payments and manage to track spending. My favourite is the help with VAT.
Key features for ecommerce 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.
Open an ANNA business account in under 10 minutes. No branch visit, no credit check. Free to start.
ANNA works across all kinds of small businesses – not just ecommerce. See how it fits yours.