Business account with multi-director and team access
Business account built for teams
ANNA’s business account is built for limited companies, LLPs, and sole traders who don’t fly solo. You can invite co-founders, directors, or your top sales whiz – and set exactly who can see what, make payments, add users, or hand out expense cards. And forget shelling out for extra help – ANNA’s built-in bookkeeping tools do the heavy lifting, with separate access for the person keeping an eye on the numbers.
Team access you wouldn’t get in regular business banking
ANNA makes business banking easier for teams – whether you're a limited company with multiple signatories or a partnership that shares the load.
Set custom permissions so teammates can do what they need: send and receive money, set up direct debits, use accounting tools, fire off invoices, upload receipts – the works. All the access, none of the faff.
Secure access for directors and team members
Everyone you give access to passes verification on the ANNA app, so you know your company’s information is protected.
Control permissions and track who does what
Set up who gets access to what, with flexible roles and permissions to control your company’s money and information.
All your taxes and payroll sorted
With ANNA +Taxes package all your taxes will be calculated and filed automatically, as well as payroll for all your team.
Open a business account for your team
Get everyone on board and make sure each member of your team has access to what they need
Invoicing, expenses, tax – sorted
Send professional quotes and invoices
Customer asks for an estimate of how much your work will cost? Anyone on your team can send them a quote straight from the ANNA app.
Sort your expenses
All the payments and transactions will be categorised into expense categories automatically so you keep more of what you earn.
Effortless accounting
With ANNA +Taxes you get MTD ready software that calculates and files your Self assessment, VAT Return and Corporation tax to HMRC.
Employee expense reimbursements with business expense cards
Give your team virtual or physical cards for business spend – and keep an eye on it all in real time.
Cards for reimbursements
Issue cards for day-to-day expenses or one-off reimbursements – no more out-of-pocket surprises for your team.
Set spending limits
Set custom spending limits, choose where cards can be used, and track every transaction from the ANNA app.
Snap and upload
No more hunting for crumpled paper – your team can snap, upload and get on with their day.
As many expense cards as your business needs
With ANNA business account you can issue as many business expense cards as your team needs – and every member gets their own ANNA app and can upload receipts whenever they buy something for the business
Payroll included with ANNA +Taxes
Payroll for small businesses
ANNA +Taxes add-on makes it easy for small business directors to pay themselves, or for businesses to grow and start paying employees
Payroll for directors
Set yourself up on payroll in just a few clicks and start paying yourself a monthly salary
Payroll for employees
Ready to start hiring? With ANNA payroll you can add up to 5 employees to your monthly payroll filing
Payroll for sole traders
Are you a sole trader looking to bring onboard some employees? With ANNA’s no-fuss payroll you can create payslips in no time
Business expense card for everyone who needs it
A card for your business
If you’ve got your ID to hand, you can get your UK business account and sort code in as little as 10 minutes, with your physical card arriving in the post after a few days
Virtual business expense cards
Don’t wait for your ANNA card to arrive in the post – you get a virtual card as soon as you sign up, and can start making payments straight away
Manage multiple cards
Skip the faff of reimbursing employee expenses. Give employees their own ANNA card, set a spending limit and ANNA automatically sorts their expenses
Use Apple Pay
Use ANNA Money with Apple Pay. It’s the simple, secure, and private way to pay. There’s no need to even carry your card – your iPhone or Apple Watch is enough
Business account cashback
Ker-ching! Get free money for your business: earn cashback when you use your ANNA card to pay for a range of business expenses from train travel to furniture
Use Google Pay
Use ANNA Money with Google Pay™. It’s the fast, simple, and secure way to pay at millions of places – on sites, in apps, and in stores. With Google Pay there’s no need to dig for your cards – you can pay quickly and easily with the device that’s already in your hand.
ANNA is built for small teams that mean business
Get your team set up in under 10 minutes
Just grab your ID and proof of address – that’s all you need to open an ANNA account. Fast, faff-free, and ready for team access straight away.
Spend less time on admin – and more time running the show
You didn’t build a business to babysit spreadsheets. ANNA handles the finance busywork so you and your team can crack on with the real stuff.
Accounting that just... happens
ANNA keeps track of team spending, matches receipts, and preps you for tax – like having a bookkeeper in your back pocket. Minus the pocket.
Invoicing that plays well with others
Send slick invoices in seconds, assign team members to clients, and let ANNA do the chasing. Friendly nudges? We’ve got those covered too.
Real humans when you need backup
Whether it’s a team query or something trickier, our Cardiff-based support squad is online 24/7.
Trusted by thousands of growing businesses
From solo founders to small-but-mighty teams, ANNA customers shout about us on Trustpilot. (Mostly in 5 stars. We’re blushing.)
Get paid easily
Nothing grows a business like getting paid. ANNA gives you better ways to take payment, whether it's online or in person
Payment link and webpage
With ANNA you get your own unique payment webpage for getting paid online. Put the link on your business social account or ping it directly to customers
Card machine
Get paid in a tap! Get a Point-of-sale terminal from ANNA and our partners, so you can take card payments wherever you are
Payment link QR code
Generate a unique QR code for a payment, with the amount and your account details automatically included. All your customer has to do is scan and pay. Easypeasy
Top up your account in cash
You can easily add cash to your ANNA business account at any of the thousands of PayPoints across the UK.
The business account with money-saving pots
Set aside funds for VAT, Corporation Tax, salaries or dividends. ANNA helps you budget automatically.
Everything you expect from a business account
Free Direct Debits
Direct Debits are easy to set up in ANNA app so you always know your office or regular supplies bills are paid on time.
Open Banking
Connect your bank accounts to ANNA to make sure you get the full picture of your business finance – and to import your books to ANNA +Taxes if necessary.
Standing orders
Just like Direct Debits, standing orders are easy to set up in the ANNA mobile app.
Instant payment notifications
Whenever a payment is sent or received, you get instant notifications about where your money is moved.
International Business Payments
Send and receive payments to and from across the world in multiple currencies – your ANNA business account comes with an IBAN to make sure you get paid when working with customers from abroad.
Small business loans
Flexible credit offers from our partners to help you move forward with confidence
How we compare to the best business bank accounts in the UK
Not sure which business account out there is best for you? We got you. In this guide we compare business bank accounts based on Trustpilot reviews, ratings, key features including team access, and pricing to help you make an informed decision.
What do I need to open a business account with team access?
There are some eligibility requirements to open a business account with ANNA. We’ll need to check the information and the documents you share with us. Here’s what you need and how you can speed things up.
Photo ID and proof of address
We’ll need a photo of your full driving licence or a photo of your valid passport.
Take the photo on a flat, clear surface and make sure all four corners of the ID can be seen.
If you don’t have a driving licence or a valid passport, you can take a recent photo of yourself to either your bank, solicitor, or accountant to get it certified. To verify your address we might ask for a utility bill, council tax bill or bank statement. They should be dated within the last three months.
Your company must be registered with Companies House
If you’re only planning to do it, you can register your limited company through ANNA – it will make the business account opening process smoother since we’ll already have all the necessary information about your business.
Tell us what you do
To set up your ANNA account, we’ll just need a few basic details about your business, like what you do and how you earn your income. It’s quick, straightforward, and helps us tailor the account to fit your needs perfectly.
Invite your team to the account
To give your team access to your account, you’ll need to invite them. Each team member will need to install the ANNA app and pass our ID check the same way you do.
10 minutes to open your business account
Have all the documents at hand? Sign up now and have your account details ready in 10 minutes
How to use the ANNA Money business account
What you pay depends on your business
Our plans start at £0 per month – you only pay for the services you use. Whatever your plan, if you don't use your account for a month, you don't pay the monthly fee for that month
Frequently Asked Questions
Does ANNA offer joint accounts?
Right now, no. We only offer a business account for limited companies (LTDs), limited liability partnerships (LLPs) and sole traders. While it does come with team access for multiple users, it is not a joint account. If you’re an LTD with multiple directors, or an LLP officially registered with Companies House, you can get a business account with ANNA and add people to your business account.
Do all people with access to ANNA business account share the same rights and responsibilities for the account?
No. Since your ANNA business account is not a joint account, the person who opened it is the primary account holder per our T&Cs. That is the only person who has complete legal control over the business account the company holds with ANNA. So, while the people you add to the account have to undergo the same ID check procedures and have the same control over the account as you do (if that’s the way you set up their access), the primary account holder has an absolute priority in disputable situations and also carries full legal responsibility for whatever happens to the money on the account.
Can I open an account for a Limited Liability Partnership (LLP)?
Yes! If your business is registered with Companies House as an LLP, you can open a business account with ANNA just the same as an LTD or a sole trader.
Are there any accounting integrations?
Yes. We offer integrations with Xero and Quickbooks, so your accountant can export transactions from ANNA into their own accounting software. However, for small businesses we recommend using ANNA +Taxes, as it’s much easier to use from the same service that hosts your business account.
Do you have credit checks? / Can you open a business account with bad credit? / Can you open a business account with Poor Credit?
No. ANNA does not run credit checks. Instead, it performs an identity check to comply with anti‑money‑laundering regulations. This process is quicker than a credit check performed by traditional banks and will not affect your credit score.
How do I pay money into my account?
You can pay money into your ANNA account by sending a bank transfer from another account, using the Open Banking option in the ANNA app or depositing cash at PayPoint locations. Cheques are not accepted.
Can I pay cheques into my ANNA account? / Is cheque depositing available for ANNA accounts?
No. ANNA does not accept cheques; you would need to cash the cheque elsewhere and then transfer the funds into your ANNA account. You can, however, pay in cash via PayPoint.
What is Open Banking?
Open Banking is a secure way for regulated third‑party providers to access your financial information, allowing you to link different bank accounts and apps. It helps you get a better view of your finances and find new ways to manage your money. ANNA partners with TrueLayer to provide Open Banking services so you can see transactions from other accounts inside the ANNA app.
Can I have an IBAN to receive foreign payments?
Yes. Every ANNA business account comes with a UK sort code and account number, and you also receive an IBAN so you can accept international payments. Fees are outlined in ANNA’s pricing table.
Can I apply from outside the UK?
You can apply from outside the UK, but only UK residents are eligible to open an ANNA account.
How long does it take to open an ANNA business account?
Generally, opening an ANNA business account takes around 5 minutes when all documents are provided. If we need extra information or your ID photos are unclear, it may take a little longer.
Does ANNA offer prepaid debit cards?
No, we don’t offer prepaid debit cards. The card you get with your ANNA business account is a Mastercard® Business debit card, issued by PayrNet Limited and licensed by Mastercard International Inc.
Can I get an overdraft with a joint business account?
ANNA doesn’t offer overdrafts. Its focus is keeping the account “in the black,” although some credit facilities may be available for eligible customers.
Is ANNA a fully regulated UK bank?
No. ANNA is a business account provider but not a bank. It falls into the category of an e‑money account – it provides admin support and tax reminders but is not a traditional bank. The company works under the e‑money licence of its partner Railsr, and deposits are held with regulated third‑party institutions rather than ANNA itself.
Are business bank accounts protected? / Is ANNA FSCS protected?
Deposits in UK bank accounts are usually protected by the Financial Services Compensation Scheme (FSCS) up to £85 000. However, ANNA is not a bank, so FSCS protection doesn’t apply. Instead, ANNA’s account is an e‑money product: customer deposits are held in segregated safeguarding accounts and cannot be loaned out; neither ANNA nor its e‑money partner can use your money without your instruction. This safeguarding method keeps your money safe even though it isn’t FSCS‑protected.
What's the difference between an E-money account and a bank account?
E‑money institutions are not banks but offer accounts where you can store money, pay and get paid. They are overseen by the Financial Conduct Authority (FCA). Unlike banks, e‑money institutions cannot loan out your money; instead, deposits are held in special safeguarding accounts. Bank deposits can be lent out and are protected by the FSCS. Since ANNA is an e‑money product, your funds are safeguarded but not FSCS‑protected.
Open your team business account in 10 minutes
Get your ANNA business account ready today, and get your business expense card in the mail in 5 working days