Payments that vary through the year
Spring and summer are flat out. Winter goes quiet. ANNA helps you track what's been paid, what's outstanding, and what's still to invoice – so you always know where you stand, whatever the season.
The best business account for landscaping businesses
Payments tracked through every season, plants and materials expensed, tax set aside before the quiet months hit. ANNA handles the admin side so you can focus on the next project.
- Track payments through every season
- Expense plants, materials and kit automatically
- Tax money set aside
- VAT, Corporation Tax or MTD Self Assessment filed
Trusted by 100,000+ business owners
How ANNA helps run your landscaping business
The financial side of a landscaping business has its own shape. Seasonal income, one-off projects, repeat maintenance contracts, materials bought job by job. Here's what you're actually dealing with – and what ANNA handles for you.
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.
Plants, materials, and kit
expensed properly – Turf, topsoil, bark, tools, fuel, – the receipts add up quickly across a busy week. ANNA's AI receipt scanner reads each one and categorises the expense automatically. No missing receipts, no manual entry.
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.
Subcontracted specialists, paid on time
Fencing, paving, tree work – landscaping jobs often mean bringing in a specialist for part of the job. Pay them by bank transfer and it's logged as a subcontractor cost, ready for your tax return.
Get paid before you've left the job
Add a QR code with payment link to every invoice, or text the link directly in Whatsapp. No chasing, no waiting, no mess with bank account credentials.
Invoicing
Invoice before you're on to the next garden
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 landscaping businesses: Chase late payments automatically. Residential clients in particular can be slow to pay. 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 landscaping 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 landscaping businesses: Materials and equipment hire are usually the biggest expense category in landscaping – and the easiest to under-claim if a receipt gets lost on site. 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 landscaping businesses: Income is front-loaded into the warmer months – a full diary in May, a quiet patch in February. 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.
- 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, Corporation tax or MTD for Income 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 landscaping 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 crew 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 landscaping businesses: Great for labourers or seasonal workers 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 landscaping 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 landscaping business?
It depends on your structure – but separating business and personal money almost always makes financial admin easier.
If you're a sole trader landscaper
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 landscaping 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.
Very quick and easy to pay suppliers. I received an invoice and needed to make a BACS payment. All done quickly and efficiently.
Simon
Trustpilot, 9 March 2026
There's no faulting the ANNA team and service whatsoever. I started out as a self employed freelancer 4 years ago now and joined them - zero regrets.
S Hunter
Trustpilot, 30 January 2026
Very quick and easy to pay suppliers. I received an invoice and needed to make a BACS payment. All done quickly and efficiently.
Simon
Trustpilot, 9 March 2026
There's no faulting the ANNA team and service whatsoever. I started out as a self employed freelancer 4 years ago now and joined them - zero regrets.
S Hunter
Trustpilot, 30 January 2026
Very quick and easy to pay suppliers. I received an invoice and needed to make a BACS payment. All done quickly and efficiently.
Simon
Trustpilot, 9 March 2026
There's no faulting the ANNA team and service whatsoever. I started out as a self employed freelancer 4 years ago now and joined them - zero regrets.
S Hunter
Trustpilot, 30 January 2026
Simple! I love it. Eliminates the need for an accountant. I'm a sole trader with not a great turnover. I'm vat registered and my vat returns are just a few clicks away.
Chris
Trustpilot, 9 February 2026
Always very efficient and easy to deal with. Submitting my vat return was so easy.
Mr Evans-Jones
Trustpilot, 15 January 2026
Simple! I love it. Eliminates the need for an accountant. I'm a sole trader with not a great turnover. I'm vat registered and my vat returns are just a few clicks away.
Chris
Trustpilot, 9 February 2026
Always very efficient and easy to deal with. Submitting my vat return was so easy.
Mr Evans-Jones
Trustpilot, 15 January 2026
Simple! I love it. Eliminates the need for an accountant. I'm a sole trader with not a great turnover. I'm vat registered and my vat returns are just a few clicks away.
Chris
Trustpilot, 9 February 2026
Always very efficient and easy to deal with. Submitting my vat return was so easy.
Mr Evans-Jones
Trustpilot, 15 January 2026
How ANNA business account compares
Key features for landscaping 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 landscaping 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.
ANNA's Tax Pot sets money aside automatically as each payment arrives – so when income dips in winter, your tax is already covered. You can also create separate pots for materials or equipment, giving you a clearer picture of what's actually available to spend.
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 crew members need to pick up materials 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 landscaping. See how it fits yours.