The best business account for window cleaning businesses

Round-based income tracked automatically, equipment and supplies expensed, tax set aside whatever the weather. ANNA handles the admin side so you can focus on the next round.

  • Track round-based income automatically
  • Expense equipment and supplies automatically
  • Tax set aside whatever the weather
  • VAT, Corporation Tax and MTD Self Assessment filed
A window cleaner carries his ladder to a job while the ANNA app shows an invoice sent for a front-and-back clean and £1,840 set aside in a Tax Pot

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How ANNA helps run your window cleaning business

The financial side of a window cleaning business is simple enough in principle – until the admin piles up. Regular rounds, a mix of cash and bank transfers, mileage between every customer. Here's what you're actually dealing with – and what ANNA handles for you.

Round-based income, tracked in one place

Most window cleaners work the same customers week after week or month after month. That's great for business – but tracking who's paid, who's outstanding, and what's due across a full round can still turn into a spreadsheet headache. ANNA tracks every payment that comes into your account so you always know exactly where you stand.

Know how much tax you owe

With ANNA, tax is never a surprise. You'll see what you owe HMRC in real time, based on all your transactions and income – no guesswork, no end-of-year scramble.

Equipment and supplies, expensed properly

Water-fed poles, pure water systems, squeegees, cleaning solutions, van servicing, public liability insurance, mileage between customers – the receipts stack up fast. 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.

Income that changes with the weather

Fewer bookings in winter, a rush after every dry spell – window cleaning income doesn't arrive on a fixed schedule. ANNA's Tax Pot sets money aside as each payment lands, so a slow month never catches you out.

Give your team their own card for supplies

Restocking cleaning fluid or picking up a replacement squeegee mid-round? Give employees their own ANNA expense card with a spending limit instead of handing over your main card.

Related guideHow to start a window cleaning business – UK startup guide

Invoicing

Send a professional invoice in seconds

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 window cleaning businesses: Chase late payments automatically. Commercial window cleaning clients can be slow payers. ANNA sends reminders so you don't have to make the awkward call.

  • Create and send invoices in seconds
  • Payment links – clients pay by card from their phone
  • Recurring invoices for weekly and monthly clients
ANNA invoice list for a window cleaning business, with French doors and windows-and-fascia jobs paid, one invoice due in 7 days and another overdue

Expenses

Every window cleaning 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 window cleaning businesses: Equipment and supplies are bought little and often across a busy round – 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
A window cleaner works up a ladder with a water-fed pole while the ANNA app auto-categorises expenses for microfibre cloths, glass cleaner, a squeegee and a polo shirt

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 window cleaning businesses: Regular round income means regular payments – which makes a Tax Pot particularly straightforward. Set your percentage once and ANNA moves it aside every time money comes in, whether it's a bank transfer from a residential client or a payment from a commercial account.

  • 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
ANNA Tax Pot showing £2,340 set aside automatically as 20% of income, with a progress bar

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 window cleaning 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
Learn about +Taxes
ANNA app card showing a Q3 2026 VAT return of £3,210.80 filed to HMRC automatically under Making Tax Digital

Team expense cards

Give your team a card – with limits you control

When your employees 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 window cleaning businesses: Useful when a team member needs to top up cleaning supplies or cover a vehicle repair mid-round. 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
Two ANNA business debit cards beside a Team cards panel showing three active cards, each with its own weekly spending limit

Plans that grow with your window cleaning 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

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 window cleaning business?

It depends on your structure – but separating business and personal money almost always makes financial admin easier.

If you're a sole trader window cleaner

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 window cleaning 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.

Great user interface and experience: easy to navigate, always reliable, clean and pretty design, quick customer service, simple invoice sending and chasing. Very pleasant to use.

Hiu Sum Scarlet
Trustpilot, 10 March 2026

I am a sole trader and Anna money has been helping with submitting my self assessment form.

Keith Moyo
Trustpilot, 14 January 2026

Great user interface and experience: easy to navigate, always reliable, clean and pretty design, quick customer service, simple invoice sending and chasing. Very pleasant to use.

Hiu Sum Scarlet
Trustpilot, 10 March 2026

I am a sole trader and Anna money has been helping with submitting my self assessment form.

Keith Moyo
Trustpilot, 14 January 2026

Great user interface and experience: easy to navigate, always reliable, clean and pretty design, quick customer service, simple invoice sending and chasing. Very pleasant to use.

Hiu Sum Scarlet
Trustpilot, 10 March 2026

I am a sole trader and Anna money has been helping with submitting my self assessment form.

Keith Moyo
Trustpilot, 14 January 2026

Easy to use app. Keeps every receipt to a transaction and gives you a running tax idea.

Richard Macmillian
Trustpilot, 13 January 2026

Managing business finances and invoicing with ANNA is so simple and straightforward. It makes running my business on the go so easy

Sam Weighman
Trustpilot

Easy to use app. Keeps every receipt to a transaction and gives you a running tax idea.

Richard Macmillian
Trustpilot, 13 January 2026

Managing business finances and invoicing with ANNA is so simple and straightforward. It makes running my business on the go so easy

Sam Weighman
Trustpilot

Easy to use app. Keeps every receipt to a transaction and gives you a running tax idea.

Richard Macmillian
Trustpilot, 13 January 2026

Managing business finances and invoicing with ANNA is so simple and straightforward. It makes running my business on the go so easy

Sam Weighman
Trustpilot

How ANNA business account compares

Key features for window cleaning businesses, side by side.

UK business account feature comparison for small businesses
AccountMonthly feePayrollAccountingPayment linkFSCS
ANNAFrom £0YesNativeBuilt-inYesYes
TideFrom £0YesBasicBuilt-inYesYes
Starling£0YesNativevia Xero + QuickbooksNoYes
Monzo BusinessFrom £0Yesvia XeroYesYes
Barclays£8.50/moNoNoNoYes

Fees and features correct at time of writing. Always check provider websites for the latest details.

Common questions from window cleaning 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. All business income – cash, bank transfer, or card – must be declared to HMRC. Keeping a dedicated business account and logging all payments is the simplest way to stay on top of this and avoid questions further down the line.
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 supplies on the road without using 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 window cleaning. See how it fits yours.