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 gardening businesses
Invoices chased without the awkward call, tools and materials expensed, tax set aside through the quiet months. ANNA handles the admin side so you can focus on the next job.
- Chase invoices without the awkward call
- Track tools and materials automatically
- Tax money set aside
- VAT, Corporation Tax and MTD Self Assessment filed
Trusted by 100,000+ business owners
How ANNA helps run your gardening business
The financial side of a gardening business is more complicated than it looks from the outside. Seasonal income, receipts for materials, a van full of kit, and clients who don't always pay on time. Here's what you're actually dealing with – and what ANNA handles for you.
Tools and materials, expensed properly
Plants, compost, bark chips, fertiliser, replacement blades, fuel, mileage between gardens – the receipts pile up fast. ANNA's AI receipt scanner reads each one and categorises the expense automatically. No missing receipts, no manual entry the night before your tax return.
Get paid without the awkward chase
Domestic clients can be slow. ANNA sends automatic payment reminders on overdue invoices so you don't have to send that slightly uncomfortable follow-up text. Add a payment link to every invoice and clients can pay by card directly from their phone.
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.
Public liability insurance, sorted
One dropped fence panel or a broken greenhouse pane and a client could come knocking. Public liability insurance is a legitimate business expense – photograph the renewal and ANNA categorises it automatically.
One-off jobs and regular clients, invoiced differently
A regular weekly client gets an automatic recurring invoice. A one-off tidy-up or a fence repair just needs a quick invoice with a payment link. ANNA handles both without extra admin.
Invoicing
Invoice while you're still at the gate
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 gardening businesses: Chase late payments automatically. Domestic gardening clients are among the slowest payers going. ANNA sends reminders so you don't have to have that conversation.
- Create and send invoices in seconds
- Payment links – clients pay by card from their phone
- Recurring invoices for weekly and monthly clients
Expenses
Every gardening 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 gardening businesses: Plants, compost, and replacement tools are bought little and often – exactly the kind of spending that's easy to lose track of. ANNA's AI receipt scanner catches every receipt automatically, so nothing slips through by the time you file.
- 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 gardening businesses: A full diary in May, a near-empty one in January – gardening income is seasonal by nature. Setting aside tax as each payment arrives (rather than as a lump sum in winter) is the simplest way to stay on top of it without losing sleep in the off-season.
- 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 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 gardening 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 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 gardening businesses: Useful when staff buy materials at the garden centre and you charge the cost back to the client. 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 gardening 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 gardening business?
It depends on your structure – but separating business and personal money almost always makes financial admin easier.
If you're a sole trader gardener
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 gardening 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.
Ive been with Anna for 5 years plus and find their business service great and its also so easy to ask a question and get a real human have a chat conversation with you on the app.
Jtaimej
Trustpilot, 3 October 2025
I have enjoyed using ANNA for my self employed job role. They have made it easier. And the support you receive is good.
Daniel
Trustpilot, 27 February 2026
Ive been with Anna for 5 years plus and find their business service great and its also so easy to ask a question and get a real human have a chat conversation with you on the app.
Jtaimej
Trustpilot, 3 October 2025
I have enjoyed using ANNA for my self employed job role. They have made it easier. And the support you receive is good.
Daniel
Trustpilot, 27 February 2026
Ive been with Anna for 5 years plus and find their business service great and its also so easy to ask a question and get a real human have a chat conversation with you on the app.
Jtaimej
Trustpilot, 3 October 2025
I have enjoyed using ANNA for my self employed job role. They have made it easier. And the support you receive is good.
Daniel
Trustpilot, 27 February 2026
No hassle best business account I've used, easy transfers, perfect for my small gym business, works a treat for us, would definitely recommend.
Mohammed Saheed
Trustpilot, 1 July 2026
I must admit, I am very new to being self employed and the team at Anna have been excellent.
K Cox
Trustpilot, 6 February 2025
No hassle best business account I've used, easy transfers, perfect for my small gym business, works a treat for us, would definitely recommend.
Mohammed Saheed
Trustpilot, 1 July 2026
I must admit, I am very new to being self employed and the team at Anna have been excellent.
K Cox
Trustpilot, 6 February 2025
No hassle best business account I've used, easy transfers, perfect for my small gym business, works a treat for us, would definitely recommend.
Mohammed Saheed
Trustpilot, 1 July 2026
I must admit, I am very new to being self employed and the team at Anna have been excellent.
K Cox
Trustpilot, 6 February 2025
How ANNA business account compares
Key features for gardening 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 gardening 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 – tools used for your gardening work (mowers, strimmers, hedge trimmers, hand tools) are allowable business expenses. Smaller items are usually claimed in full in the year of purchase. Larger equipment may qualify for capital allowances. ANNA's receipt scanner captures and categorises them automatically.
Yes – plants, compost, bark, fertiliser, and other materials bought for client jobs are allowable business expenses, as long as you're using them for business purposes. Photograph the receipt in ANNA and it's categorised and ready for your tax return.
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 team members need to pick up plants or supplies 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 gardening. See how it fits yours.