Every machine, one clear picture
Card and contactless payments land directly in your ANNA account as they happen, so you always know what each machine and each site brought in – no juggling numbers across a dozen locations.
The best business account for vending machine businesses
Income from every machine tracked in one place, stock and maintenance expensed, tax set aside as payments land. ANNA handles the admin side so you can focus on the next route.
- Track income from every machine and site
- Expense stock and maintenance automatically
- Tax set aside as each payment lands
- VAT, Corporation Tax or MTD Self Assessment sorted
Trusted by 100,000+ business owners
How ANNA helps run your vending machine business
The financial side of a vending machine business doesn't look like most businesses. You're driving restocking routes, managing machines across multiple sites, and trying to work out which locations are actually worth keeping. 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 income and expenses – across every machine and every location.
Stock and maintenance, expensed properly
Snacks, drinks, machine parts, engineer callouts, cleaning supplies, – the receipts stack up fast across a multi-site operation. 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.
Site commission, paid to location owners
Many site owners take a cut of the takings in exchange for hosting your machine. ANNA logs the commission as a business expense automatically, so your real margin per site stays visible.
A pot for machine repairs and replacements
Set aside a percentage of takings automatically into a separate pot, so when a machine needs fixing or replacing, the money's already there.
Invoicing
Send an invoice in seconds, get paid faster
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 vending machine businesses: If a corporate client is slow to pay their monthly service fee, ANNA sends automatic reminders. No awkward calls, no chasing the same contact twice.
- Create and send invoices in seconds
- Payment links – clients pay by card from their phone
- Recurring invoices for weekly and monthly clients
Expenses
Every vending machine 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 vending machine businesses: Stock and machine parts are bought little and often across a multi-site operation – 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 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 vending machine businesses: Income from vending machines tends to drip in steadily rather than arrive in one lump – which makes it easy to underestimate how much tax is quietly building up. Setting aside a percentage automatically as each payment lands means the bill is never a shock.
- 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 vending machine 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 drivers or part-time helpers 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 vending machine businesses: Useful when a driver or part-time helper buys stock or pays for fuel on your behalf. 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 vending machine 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 vending machine business?
It depends on your structure – but separating business and personal money almost always makes financial admin easier.
If you're a sole trader operator
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 vending machine 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.
Can't express how amazing this company supports you. They are always on hand to support you and the support is really amazing. Can't recommend them enough for business owners.
Samuel Lawson
Trustpilot, 14 July 2026
Very efficient, easy to use and complete business banking service.
John Paul Garry
Trustpilot, 9 July 2026
Can't express how amazing this company supports you. They are always on hand to support you and the support is really amazing. Can't recommend them enough for business owners.
Samuel Lawson
Trustpilot, 14 July 2026
Very efficient, easy to use and complete business banking service.
John Paul Garry
Trustpilot, 9 July 2026
Can't express how amazing this company supports you. They are always on hand to support you and the support is really amazing. Can't recommend them enough for business owners.
Samuel Lawson
Trustpilot, 14 July 2026
Very efficient, easy to use and complete business banking service.
John Paul Garry
Trustpilot, 9 July 2026
Excellent service for receiving & making business payments. The app is very easy to use. As a small business we do not currently need all the services which are provided, but those we do use have been excellent.
La Kruca Kafejo
Trustpilot, 7 July 2026
I've been using ANNA Money since I started my LTD company in the UK, and they've been nothing short of exceptional. The built-in invoicing features are a game changer - fully customisable and all in one place, which takes a lot of pressure off day-to-day admin.
Travis Wardrope
Trustpilot, 25 March 2026
Excellent service for receiving & making business payments. The app is very easy to use. As a small business we do not currently need all the services which are provided, but those we do use have been excellent.
La Kruca Kafejo
Trustpilot, 7 July 2026
I've been using ANNA Money since I started my LTD company in the UK, and they've been nothing short of exceptional. The built-in invoicing features are a game changer - fully customisable and all in one place, which takes a lot of pressure off day-to-day admin.
Travis Wardrope
Trustpilot, 25 March 2026
Excellent service for receiving & making business payments. The app is very easy to use. As a small business we do not currently need all the services which are provided, but those we do use have been excellent.
La Kruca Kafejo
Trustpilot, 7 July 2026
I've been using ANNA Money since I started my LTD company in the UK, and they've been nothing short of exceptional. The built-in invoicing features are a game changer - fully customisable and all in one place, which takes a lot of pressure off day-to-day admin.
Travis Wardrope
Trustpilot, 25 March 2026
How ANNA business account compares
Key features for vending machine 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 vending machine 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.
The main claimable expenses include stock (snacks, drinks, supplies), fuel and mileage, machine maintenance and repairs, site rental or commission fees paid to location owners, insurance, and any equipment purchases. ANNA's receipt scanner captures them as you go and categorises everything automatically.
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 vending machine. See how it fits yours.