# ANNA Money > ANNA Money helps UK businesses with business accounts, company formation, VAT filing, invoicing, and tax assistance. ## Free tools - [UK Income Tax Calculator - Gross to Net Salary Calculation | ANNA](https://anna.money/free-tools/income-tax-calculator/): Find out how much you’ll earn after taxes with our UK Income Tax Calculator. Easy-to-use tool for calculating your net income based on current tax rates - [Online VAT Calculator ➞ Add, Remove and Reverse UK VAT | ANNA](https://anna.money/free-tools/vat-calculator/): Free Online VAT calculator for quick and easy adding and removing VAT. You will also find a detailed guide on how to calculate VAT yourself and updated UK VAT rates. - [Free MTD bridging software | VAT Filing to HMRC](https://anna.money/free-tools/vat-filing/): File VAT return online from your Excel spreadsheet with free VAT filing tool from ANNA. Simple MTD bridging software for small businesses recognized by HMRC. - [Invoice Template | Free Invoice Template for Excel](https://anna.money/free-tools/invoice-template/): Free invoice template spreadsheet for Excel from ANNA Money. Simple invoice managing solution for UK self-employed and small businesses. - [Basis Period Calculator](https://anna.money/free-tools/basis-period-calculator/): Calculate your basis period in a few simple steps - [MTD VAT templates for Excel | ANNA](https://anna.money/free-tools/mtd-xls-templates/): ANNA’s free templates for VAT filing – a collection of Making Tax Digital (MTD) spreadsheet templates to make calculating and submitting via our VAT bridging tool easy. - [Calculate work from home expenses | ANNA Money](https://anna.money/free-tools/work-from-home-expenses-calculator/): Use our free calculator to evaluate expenses incurred from working from home. Use the results in your reports to HMRC. - [MTD VAT templates for Google Spreadsheets | ANNA](https://anna.money/free-tools/mtd-google-templates/): ANNA’s free templates for VAT filing – a collection of Making Tax Digital (MTD) spreadsheet templates to make calculating and submitting via our VAT bridging tool easy. - [ChatGPT Tax Terrapin – quick answers to your tax questions | ANNA](https://anna.money/free-tools/chatgpt-tax-terrapin/): Tax Terrapin is a language model based on OpenAI’s GPT 4 and over 100,000 official tax guides from HMRC. It provides tax-related information relevant to your unique business case, for free. - [Company Name Checker – Business Name Availability Check | ANNA](https://anna.money/free-tools/company-name-availability-checker/): Check business name availability for free with our business name checker tool. Scan the UK Companies House registrar of existing businesses and register your new limited company when you’re ready. - [Invoice Generator | Create Free Invoice Online | ANNA](https://anna.money/free-tools/invoice-generator/): Free invoice generator for busy UK sole traders, freelancers, limited companies and contractors. - [Frequently Asked Questions About VAT Filing Answered By ANNA’s Tax Terrapin](https://anna.money/free-tools/chatgpt-tax-terrapin/faq-vat/): All your VAT Filing-related questions answered by ANNA’s ChatGPT powered tax bot. - [VAT filing tools for accountants](https://anna.money/free-tools/vat-filing/accountants/): Save time by making multiple submissions from ANNA's MTD bridging software and set up HMRC client connections in advance - [Your clients | ANNA for accountants](https://anna.money/free-tools/vat-filing/accountants/dashboard/clients/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [Free Small Business Tools and Templates For Invoicing & VAT](https://anna.money/free-tools/): Save your time and money with our free Excel templates for business, invoice generator and MTD-compliant VAT filer - [VAT filing | ANNA for accountants](https://anna.money/free-tools/vat-filing/accountants/dashboard/filing/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [Meeting Cost Calculator | ANNA](https://anna.money/free-tools/meeting-cost-calculator/): Find out exactly what your meetings are costing. Enter participants and salary to see the real-time cost tick up – or calculate any past or upcoming meeting instantly. - [MTD for Income Tax Eligibility Checker | ANNA](https://anna.money/free-tools/mtd-income-tax-eligibility-checker/): Free tool to check if Making Tax Digital for Income Tax applies to you. Enter your income and find out when you need to start, with personalised timelines and action steps. - [MTD Quarterly Deadline Calculator | ANNA](https://anna.money/free-tools/mtd-quarterly-deadline-calculator/): Get your personalised Making Tax Digital reporting schedule. See all four quarterly deadlines and your annual declaration date – calculated against today’s date. - [Salary Sacrifice Calculator | ANNA](https://anna.money/free-tools/salary-sacrifice-calculator/): Calculate your take-home pay and pension contributions with and without salary sacrifice. Free UK tax calculator. - [Self Assessment Deadline Checker | ANNA](https://anna.money/free-tools/self-assessment-deadline-checker/): Free tool to check your Self-Assessment deadlines. Get a personalised timeline, action checklist, and penalty calculator for your tax return. - [VAT Threshold Monitor | ANNA](https://anna.money/free-tools/vat-threshold-monitor/): Free VAT threshold checker for UK businesses. Enter your monthly turnover to instantly see if you need to register for VAT and what to do next. ## Blog - [The ANNA Money Blog For Small Business Owners](https://anna.money/blog/): The webzine for those who want to know about business banking, accounting, bookkeeping, VAT filing, admin, invoices, expenses and taxes - [ANNA updates | ANNA Blog](https://anna.money/blog/category/updates/): Updates from the ANNA team - [Quizzes | ANNA Blog](https://anna.money/blog/category/quizzes/): Test yourself with business quizzes at the ANNA Money blog. - [Guides | ANNA Blog](https://anna.money/blog/category/guides/): How-to guides on everything business from the ANNA team and invited experts. - [Tools | ANNA Blog](https://anna.money/blog/category/tools/): Free business tools for you to use, provided by the team at the ANNA Money blog. - [Reviews | ANNA Blog](https://anna.money/blog/category/reviews/): Reviews of business tools, books and anything else. Provided by the ANNA Money blog. - [Interviews | ANNA Blog](https://anna.money/blog/category/interviews/): Interviews with entrepreneurs and business owners on the ANNA Money blog. - [Scammers love a busy business - protecting your business from fraud](https://anna.money/blog/updates/scammers-love-a-busy-business---protecting-your-business-from-fraud/): It’s sometimes assumed that the main target of banking scammers are personal accounts, but businesses are also often targeted. At ANNA, we know that small business owners are often particularly vulnerable to scams, so we’re launching a new campaign to raise awareness and show what we’re doing to protect our customers. - [The government wants small businesses to be paid on time](https://anna.money/blog/guides/the-government-wants-small-businesses-to-be-paid-on-time/): Small businesses of Great Britain, we bring you good news - the government has announced a crackdown on late payments in a major support package for SMEs. In this blog post we’ll bring you up to speed on why late payments are a big problem for small businesses, what the government changes are, what you can do to minimise late payments - [Staying safe from Festive Fraudsters](https://anna.money/blog/guides/staying-safe-from-festive-fraudsters/): It’s the time of year when there are two thing on everybody’s mind: Black Friday and Christmas. In this blog post we take a look at some of the common scams that take place at this time of year, and what you can do to avoid them. - [Meet Alex – data scientist here at ANNA](https://anna.money/blog/interviews/meet-alex-data-scientist-at-anna/): We spoke with data scientist Alex, who works to ensure ANNAbot is as intelligent as possible. - [Is ANNA’s AI Tax Advisor – Tax Terrapin – more useful than HMRC’s chatbot?](https://anna.money/blog/guides/anna-tax-terrapin-vs-hmrc-chatbot/): HMRC has been hitting the news headlines recently for all the wrong reasons – namely unacceptably long waits for its customers calling the helpline to get answers to their tax questions. At ANNA we’re rather proud of our AI-powered taxbot, affectionately called Tax Terrapin, and are sure it could help a lot of people with instant responses to their queries. In this article we’ll tell you a bit more about Terrapin and look at how it measures up to HMRC’s offerings… - [ANNA acquires GetCape in Australia](https://anna.money/blog/updates/anna-acquires-getcape-in-australia/): ANNA is excited to announce that we’ve acquired GetCape, a Sydney-based fintech that operates as a business spend management platform. The acquisition signals ANNA’s aim to create a new SaaS (software as a service) category to take on Australia’s ‘big four’ banks, ANZ, CommBank, NAB and Westpac, offering expense management and corporate cards designed to save small businesses time and money. - [ANNA’s new, improved cashback](https://anna.money/blog/updates/annas-new-improved-cashback/): Get money back on your everyday business spending at a wide range of shops, online and in person. Once you opt in, just use your new ANNA card at the designated stores to get money back. - [Introducing ANNA’s new expense card](https://anna.money/blog/updates/introducing-annas-new-expense-card/): We’re excited to launch our new ANNA card (with its cute waving cat illustration). It gives you exclusive perks like low-cost travel and improved cashback offers. - [Do you want to earn £1,500 looking after ANNA’s AI Tax Terrapin for a month?](https://anna.money/blog/updates/earn-1500-looking-after-annas-ai-tax-terrapin/): Are you a tech-savvy university student who loves animals and has a particular affinity with reptiles? Perhaps you had a pet tortoise as a child? We might have the perfect internship for you, taking on the ‘feeding and care’ of ANNA Money’s AI Tax Terrapin for a month. - [ANNA, AI and happy businesses](https://anna.money/blog/updates/anna-ai-and-happy-businesses/): AI is changing the way fintech companies operate, and ANNA is no exception. We’ve always embraced the potential of AI but balanced it with the need for great customer service delivered by actual real-life people. In this blog post we look at ANNA’s approach towards AI. - [Did you use car or van finance before 2021? You might be owed thousands](https://anna.money/blog/guides/car-or-van-finance-misselling-claims/): Whether you are a florist, a dog walker or a builder, having a van is almost certainly an essential when it comes to running your business. And for most cash-strapped SME owners, using finance to buy a set of wheels is the only option. But the world of car finance is now being investigated by the Financial Conduct Authority (FCA), which has concerns that the public may have been unfairly charged inflated interest rates on loans for both new and second hand vehicles. - [WOOF! The new ANNA ad campaign](https://anna.money/blog/updates/woof-the-new-anna-ad-campaign/): For most businesses there’s no moment like the moment when they get paid; it’s when business owners really start to believe. It’s proof that their dreams and plans can succeed. That’s why ANNA’s latest advertising campaign focuses on the joy of getting paid – with a particular canine spin. - [Introducing Chat GPT Tax Terrapin](https://anna.money/blog/updates/introducing-tax-terrapin/): ANNA has always pioneered AI, and we’re excited to introduce Tax Terrapin, our super-smart AI-powered Chat GPT tax bot. It’s ready to answer your questions! - [Using AI to make ANNA even better](https://anna.money/blog/updates/using-ai-to-make-anna-even-better/): ANNA has always been at the forefront of using AI to help our customers. We recently won “Best Application of AI or ML in Financial Services” at the 2023 Card and Payments Awards, and that highlights how we’re always trying to use AI, machine learning and Large Language Models (LLMs) to make things simpler and easier for small businesses across the UK. We’ve never been afraid to use technology to make life easier for our customers. - [居英港人的創業新機會](https://anna.money/blog/guides/hong-kong-entrepreneurs-in-the-uk-hk/): 2023年3月1日，英國政府宣佈為英國國民海外BNO簽證計劃提供多一年的撥款，將其延至2024年，從而進一步支持港人前來英國定居。 - [Shining a spotlight on Hong Kong entrepreneurs in the UK](https://anna.money/blog/guides/hong-kong-entrepreneurs-in-the-uk/): On 1 March 2023 the government announced another year of funding for its Hong Kong BN(O) Welcome programme, extending it to 2024, further supporting Hongkongers coming to live in the UK. - [Meet Louise McCarthy – UX Lead at ANNA](https://anna.money/blog/interviews/louise-mccarthy-ux-lead-at-anna/): We spoke to UX lead Louise about her work on new ANNA features, going to festivals, brunches at the ANNA office, and – of course – cats. - [Meet Jordan Ellis, Design Lead at ANNA](https://anna.money/blog/interviews/jordan-ellis-design-lead-at-anna/): A quick chat with our Design Lead about design challenges, helping people save time & money, bonsai and music. - [What questions are you asking us?](https://anna.money/blog/updates/what-questions-are-you-asking-us/): When you start a new business, there’s a lot you don’t know. But worse than that, there’s often a lot you’re scared to ask – because you feel silly and think you should already know the answers. So we’re taking a look at which questions new businesses ask ANNA the most. - [ANNA – the home of eCommerce businesses](https://anna.money/blog/updates/anna-the-home-of-ecommerce-businesses/): If your business involves e-commerce, it’s worth noting that ANNA is the only UK business account to offer integrations with Amazon, eBay, Etsy, Shopify and WooCommerce. - [How to connect your Etsy Account to ANNA](https://anna.money/blog/updates/how-to-connect-your-etsy-account-to-anna/): Good news for ANNA customers who sell their wares on Etsy: we’ve just made your VAT Return much easier to complete and submit. You can now connect your Etsy Seller account directly to ANNA to import your sales data. It’s quick and easy. - [How to connect your Amazon Account to ANNA](https://anna.money/blog/updates/how-to-connect-your-amazon-account-to-anna/): We’ve got a very handy update for ANNA customers who sell on Amazon. You can now connect your Amazon EU Seller account directly to ANNA to import all your sales data. It’s simple, easy and makes filing your VAT so much quicker. - [‘Can I speak to a human?’](https://anna.money/blog/updates/can-i-speak-to-a-human/): How ANNA's hybrid AI gives you the best of human and bot support - [Get business insurance with Qdos](https://anna.money/blog/updates/get-business-insurance-with-qdos/): We’re excited to announce that you can now get business insurance through ANNA’s new partner, Qdos. As a leading insurance provider and consultancy for the UK's self-employed workforce, Qdos have provided coverage, peace of mind and guidance for over three decades. - [Getting started on Amazon Marketplace](https://anna.money/blog/guides/get-started-on-amazon-marketplace/): If you’re a new eCommerce business, then selling on Amazon is always an option worth considering. Last year Amazon sold £24bn worth of goods in the UK, and is projected to overtake Tesco by 2025. And don’t forget all those Amazon Prime subscribers – there are almost 13 million households in the UK with a Prime subscription! - [Sage integration for ANNA](https://anna.money/blog/updates/sage-integration-for-anna/): We’ve got great news for Sage users — you can now automatically import all your transactions from your ANNA account into Sage. And it only takes a minute to set up. - [Meet Andy Moore, ANNA’s Design Director](https://anna.money/blog/interviews/meet-andy-moore-annas-design-director/): We chat with Andy Moore, ANNA’s Design Director. Andy joined ANNA in 2019, and since then he has worked on many parts of the ANNA app and customer service. - [A statement about our shareholders](https://anna.money/blog/updates/a-statement-about-our-shareholders/): June 2022 update: ANNA is proud to now be 100% founder-owned – a standalone business with operational independence. We are a UK registered company with a thriving headquarters in London and an award-winning customer support team in Cardiff. In June 2022 we completed a buy-out that means that ANNA is now wholly owned by its founders. Funds were placed in the escrow account of a reputable EU law firm, to be released subject to approval/licence of the Luxembourg regulator. ANNA now has three directors; original founders Boris Diakonov and Eduard Panteleev have been joined by Andrew Doman. Mr. Doman was appointed as an independent director and chairman of ANNA. We’d like to once again thank everyone who has invested in ANNA and allowed us to fully regain our independence. We’re excited about ANNA’s future as a founder-owned business. - [Share to ANNA](https://anna.money/blog/updates/share-to-anna/): Did you know you can share documents like receipts, invoices and bills to ANNA using your phone’s built-in share function on iOS and Android phones? Just tap the Share icon and pick ANNA from the list of available apps. - [An ANNA update on events in Ukraine](https://anna.money/blog/updates/an-anna-update-on-events-in-ukraine/): As of March 2022, ANNA no longer has any offices or employees left in Russia. We made sure that any contractors who wanted to leave Russia were able to do so, and we are now opening an ANNA office in Tbilisi, Georgia to accommodate them. We’re also looking for another base within the EU. - [Meet the Lioneers](https://anna.money/blog/updates/lioneers/): When ANNA launched in late 2018, we attracted lots of customers who were also just starting their own businesses. We took our first steps as they did. As we grew, so did they. And now, to celebrate their accomplishments, we’re upgrading their original ANNA cards to limited edition Lion cards that roar when they're used for contactless payments. Because these are businesses that are roaring, not miaowing. We think these customers aren’t just pioneers – they’re ANNA lioneers. We spoke to two sets of our Lioneers to hear their stories so far. - [Meet Maka Danielova, ANNA’s Chief Digital Marketing Officer](https://anna.money/blog/interviews/maka-danielova-annas-chief-digital-marketing-officer/): Maka shares her thoughts on the changes in digital marketing since 2018, challenges of running a team distributed across the globe, and opportunities for ANNA in the metaverse. - [Transaction design improvements](https://anna.money/blog/updates/transaction-design-improvements/): Our new transaction chat card and transaction detail page have been redesigned to make them clearer – and more useful for ANNA customers. - [Meet Alexander Kokovin, ANNA’s head of banking](https://anna.money/blog/interviews/meet-alexander-kokovin-annas-head-of-banking/): Since 2017 ( before ANNA was even officially launched) Alex has been working behind the scenes to perfect our banking services. We asked him about his time at ANNA. - [New in ANNA – 3D Secure authorisation](https://anna.money/blog/updates/new-in-anna-3d-secure-authorisation/): Good news for ANNA customers – you can now approve your payments directly in the ANNA app. Until now, you could only approve your payments via text message. - [New in ANNA – File upload feedback](https://anna.money/blog/updates/new-in-anna-file-upload-feedback/): Now when you photograph (or upload) a receipt or invoice to ANNA we give you clear feedback in chat if it’s been successfully matched to a transaction or not. - [Meet Sergey Fedorov, head of Onboarding at ANNA](https://anna.money/blog/interviews/meet-sergey-fedorov-head-of-onboarding-at-anna/): Sergey is head of Onboarding at ANNA, so he’s responsible for the design and development of customer onboarding, as well as support across the whole journey from app installation to the moment when customers get their new account details. - [Autumn Budget 2021 Update](https://anna.money/blog/guides/autumn-budget-2021-update/): If you missed the recent Budget don’t panic – we’re here to pick out the main announcements and how they might affect you and your business. - [How do Shopify Payouts work?](https://anna.money/blog/guides/how-do-shopify-payouts-work/): New Shopify store owners often ask how the money from a sale ends up in their bank account? How exactly does it work? We take a look... - [Everything you need to know about the 5th SEISS grant](https://anna.money/blog/guides/everything-you-need-to-know-about-the-5th-seiss-grant/): HMRC are sending out emails inviting people to claim their 5th SEISS grant. Keep an eye out of the email as it’ll contain your personal claim date. Remember that in order to claim the grant, you’ll have to show that your business has been adversely affected by coronavirus between 1 May 2021 and 30 September 2021. - [What are basis periods for the self-employed?](https://anna.money/blog/guides/what-are-basis-periods-for-the-self-employed/): Most sole traders and freelancers know that the tax year runs from 6 April to 5 April in the following year, so they assume that they’ll be taxed on the profits from 6 April to 5 April. But that’s not always the case… - [News on ANNA investments and future developments](https://anna.money/blog/updates/news-on-anna-investments-and-future-developments/): We’re happy to announce that ANNA has secured its next round of investment – worth a total of £27 million – from our current shareholders. - [Get some money back – for free](https://anna.money/blog/updates/get-some-money-back-for-free/): You can earn cashback on the things you buy for your business with your ANNA Money debit card. All you need to do is choose which categories you’re interested in. - [New in ANNA: updates since February](https://anna.money/blog/updates/new-in-anna-updates-since-february/): This is a quick roundup of some of the features and fixes we’ve introduced since February: fewer payment delays, Apple Pay, Google Pay plus improved invoicing and receipt downloads. - [New in ANNA – pay using Google Pay](https://anna.money/blog/updates/new-in-anna-pay-using-google-pay/): We’re excited to announce that you can now use your ANNA Money Business Debit Mastercard® with Google Pay. Google Pay is the fast, simple way to pay contactless and speed through checkout on sites and in apps all from your compatible device. - [Get voting for ANNA in the British Bank Awards](https://anna.money/blog/updates/get-voting-for-anna-in-the-british-bank-awards/): We’re very excited to announce that ANNA has been nominated for three British Bank Awards for 2021. But we need your votes. - [New in ANNA – pay using Apple Pay](https://anna.money/blog/updates/new-in-anna-pay-using-apple-pay/): We’re excited to announce that you can now use your ANNA Business Debit Mastercard® with Apple Pay. Apple Pay is a simple and safe way to pay in shops (and in apps and online) with Apple devices. Hooray! - [The latest update on our Railsbank migration](https://anna.money/blog/updates/the-latest-update-on-our-railsbank-migration/): We’re continuing the process of migrating our backend systems from Wirecard over to Railsbank – this will affect customers who joined ANNA before 3 September 2020. - [An update on the Railsbank migration](https://anna.money/blog/updates/an-update-on-railsbank-migration-dec-2020/): For customers who joined ANNA before 3rd September 2020, we’re continuing the process of migrating our backend systems from Wirecard over to Railsbank. - [Why did we make our card miaow?](https://anna.money/blog/updates/why-did-we-make-our-card-miaow/): Some of the process and reasoning behind the miaowing ANNA business debit card. - [How to claim tax relief if you’re working from home due to COVID-19](https://anna.money/blog/guides/how-to-claim-tax-relief-if-youre-working-from-home/): Here’s some good news if you’re running a small business on the side of your day job. Anyone who’s been told to work from home by their employer to help stop the spread of COVID-19 can now claim tax relief. You can claim if you’ve been asked to work from home since 6th April – even if it was only for one day. Cha-ching! 2024 Update: if you're a sole trader, you can now use our own Work From Home Expense Calculator – completely free, no sign up required. - [Railsbank migration: multiple accounts in ANNA](https://anna.money/blog/updates/railsbank-migration-multiple-accounts-in-anna/): To make the switch from Wirecard to Railsbank smoother, we’re introducing a new feature for ANNA account holders – multiple accounts for a single business. - [New in ANNA: How to know if an invoice has been viewed](https://anna.money/blog/updates/how-to-know-if-an-invoice-has-been-viewed/): You can now check in ANNA if your invoice was viewed by a customer you sent it to – just like you see if they’ve read your message in a messenger app. - [Notes in transactions: add context to your payments](https://anna.money/blog/updates/notes-in-transactions-add-context-to-your-payments/): In a recent ANNA update, we’ve added a small but rather handy feature: you can now add notes to your transactions. Why would you want to do that? Two reasons. - [Do I need a service contract when selling a service? We asked an expert.](https://anna.money/blog/interviews/do-i-need-a-service-contract-when-selling-a-service/): ‘You’ll be hearing from my lawyers!’ It’s a fun phrase to hear when you’re watching Law and Order, but in reality getting involved in litigation is the last thing any small business owner wants. Knowing a bit about contract law can protect you no end – should the worst come to the worst. Don’t forget, no one ever regretted reading the fine print before they signed a contract. We spoke to Michael Pugh, Solicitor and Senior Lecturer in law at London South Bank University about service contracts, the small claims court and his top tips for protecting your business legally. Read on for his expert advice. - [Upload bank statements to FreeAgent directly with ANNA](https://anna.money/blog/updates/upload-bank-statements-to-freeagent/): You can now upload bank statements to FreeAgent without adjusting CSV files – from now on, ANNA formats the CSV for your accounting software automatically. - [Meet the Furlancers: Young people starting businesses during lockdown](https://anna.money/blog/updates/meet-the-furlancers-young-people-starting-businesses/): Lockdown has changed Britain in ways we’re still trying to understand. It’s changed the way we socialise, the way we shop and the way we work. For many of us, our daily commutes have been replaced by endless Zoom meetings (“ANDY, YOU’RE ON MUTE!”) and carrying a laptop around the house, trying to find the spot with the best wi-fi. - [Our integration with Xero just got better](https://anna.money/blog/updates/our-integration-with-xero-just-got-better/): We made an announcement in January that you could import transactions from your ANNA account to Xero – it’s easy to set up, eliminates the manual work, and the new operations will keep appearing in your Xero further on. We’re happy to announce this integration just got even better. - [Can you guess the CEO from their Coronavirus email?](https://anna.money/blog/guides/guess-the-ceo-from-their-coronavirus-email/): Over the last few uncertain, challenging and sometimes downright baffling weeks, we’ve all received our share of emails from CEOs. Heads of companies and brands that we never knew had our details have reached out to let us know how they’re managing their businesses during the Coronavirus lockdown. - [We have a free invoicing tool and we’d love you to use it](https://anna.money/blog/tools/we-have-a-free-invoicing-tool/): We love tools at ANNA, especially admin-based ones. Our favourite admin-based tool? The simple stapler. But our second and third favourites are probably these invoice generators we’ve created for you to use for free. These generators will help you create the same professional-looking invoices that our customers get, the only difference is you’ll have to chase your own payments if they’re late. And your debit card won’t miaow. Maybe just join ANNA, it’s easier. - [What is compliance in business and why does it matter?](https://anna.money/blog/guides/how-compliance-works-at-anna/): When you first open a business account, there are lots of questions to answer. It can feel a little overwhelming and intrusive, but these questions are important – they’re part of a process called Customer Due Diligence. But the bit you’ll hear most about is compliance. We’re going to explain what compliance means, how it works, and why you’re faced with so many questions about your business. We also want to make compliance as straightforward and painless for you as possible, so we’re providing some tips on the best way to answer any questions. - [Coronavirus: 6 Tips to Self Isolate and Keep Working](https://anna.money/blog/guides/coronavirus-6-tips-to-self-isolate-and-keep-working/): Coronavirus has reached the UK. As the disease continues to spread, the government will migrate from containment to delay. And part of the official coronavirus response will be encouraging businesses to let people work from home. So how do you adapt to working from your living room rather than the office? - [10 new ways ANNA destroys your admin 🔥](https://anna.money/blog/guides/10-new-ways-anna-destroys-your-admin/): It’s been a busy few months at ANNA Money. We’ve introduced brand new tax and business account features that save you time, smash your admin and even earn you a bit of cash. Here are 10 you’ll love the most. - [6 ways to get the perfect miaow: Make Miaow Great Again](https://anna.money/blog/updates/6-ways-to-get-the-perfect-miaow/): Here at ANNA we’re discontinuing our live Miaows as Pickles isn’t up to the job. We tried, but he just doesn’t do what we ask of him. So we’re asking everyone to submit their best miaows to either Facebook, Instagram or Twitter with #ANNAmiaow, and the best one will become our new contactless sound. - [When it’s your own thing it doesn’t feel like work](https://anna.money/blog/interviews/when-its-your-own-thing-it-doesnt-feel-like-work/): Esquire’s ex-Creative Director discusses finding balance in a business partner and taking meetings on his holidays. - [How to find the right coworking space](https://anna.money/blog/guides/how-to-find-the-right-coworking-space/): You’ve been planning your next move to go freelance or start a small business. You’ve worked out your proposition, maybe registered with Companies House and purchased a domain. The next step is to set yourself up with a work space. Perhaps you can make do working from home or grabbing a few hours in a coffee shop. But with limited space and obvious distractions, these arrangements have limited lifespans — not to mention the mounting coffee habit. Here are a few pointers to consider when finding a suitable coworking space to support your small business growth in 2020. - [ANNA has added biometric re-authentication to beat financial crime](https://anna.money/blog/updates/biometric-re-authentication-to-beat-financial-crime/): We’re pleased to announce that ANNA is one of the first financial institutions in the UK to implement trail-blazing biometric ‘re-authentication’ procedures to stop criminals from using accounts they may have accessed illegally. - [ANNA’s Business Research: How much on average is spent on a Company Xmas Party in the UK?](https://anna.money/blog/updates/christmas-party-puzzle/): It’s nearly December so that almost certainly means you’ll soon be raising a festive glass with your work pals at the staff Xmas party. There’ll be sequins, prosecco and turkey, and who knows, maybe there’ll even be a bear behind the bar, like in our scene below! At ANNA we love an employee Christmas party, and we’ve immortalised one party in this picture. But can you find the ten £10 notes hidden in our classic Christmas work-do scene? Scroll to the bottom to see where they are hiding! - [An ANNA statement on events in Ukraine](https://anna.money/blog/updates/we-stand-with-ukraine/): We want to state clearly: we are shocked and horrified by Russia’s actions in Ukraine. We condemn it unreservedly – it is a catastrophic crime. - [How to connect your Shopify Account to ANNA](https://anna.money/blog/updates/how-to-connect-your-shopify-account-to-anna/): We’ve got good news for the ANNA customers who use Shopify for their online stores – you can now connect your Shopify store directly to ANNA to import your sales data. It’s quick, simple and makes filing your VAT even easier. - [Introducing ANNA integration for WooCommerce](https://anna.money/blog/updates/introducing-anna-integration-for-woocommerce/): All your individual WooCommerce sales are streamed into your ANNA mobile app, along with the VAT amounts your customers paid you. And with your expenses in ANNA, everything you need for a VAT Return is in one place. All you need to do is login into your WooCommerce store inside the ANNA app using your store admin username and password. - [Meet Anastasia, a frontend developer for the acquisition team](https://anna.money/blog/interviews/anastasia-frontend-developer-for-acquisition-team/): Meet Anastasia, a frontend developer from ANNA's customer acquisition team. She’s been travelling Asia adding new languages to her already-impressive list. - [Meet Ari, Onboarding Lead and Internal Processes Pro](https://anna.money/blog/interviews/ari-onboarding-lead-and-internal-processes-pro/): Meet Ari, our onboarding lead and process powerhouse. Ari loves cooking, reading and travelling, that's when she’s not getting her boogie on to some Taylor Swift - [Meet urban designer Joel from Yes Make](https://anna.money/blog/interviews/meet-urban-designer-joel-from-yes-make/): ANNA is showcasing some of the talented ANNA customers who are making big successes out of their small businesses. In this blog post we chat to urban designer Joel De Mowbray from Yes Make, and he talks about the philosophy behind the business, and why he loves being his own boss – even if that means he’s busier than he’d like. - [New ways to pay from ANNA](https://anna.money/blog/updates/new-ways-to-pay-from-anna/): A quick update about some of the less obvious ways you can make payments from your ANNA Money business account – like simply uploading an invoice to the ANNA Money app or pasting the banking details to the app chat. - [Promoting your eCommerce business beyond Amazon, eBay and Etsy](https://anna.money/blog/reviews/promoting-your-ecommerce-business-beyond-amazon-ebay/): Most eCommerce sellers list their products on the big platforms like Amazon, eBay and Etsy. However, these platforms are becoming ever more competitive – lots of marketplace categories have been taken over by a few select sellers, and it can be hard for new sellers to break through. People are spending more and more money on advertising to get noticed, just as profits are falling as shipping rates rise. - [Re-tooling tech: will machine learning give us all more time back?](https://anna.money/blog/guides/will-machine-learning-give-us-time-back/): Chronic chronophobia, the fear of time passing too quickly, is nothing new. But is technology making it worse, and can machine learning save us? - [Tax Terrapin has now answered 30k questions. What were the quirkiest queries?](https://anna.money/blog/updates/terrapin-tax-30k-questions/): Our AI-powered pet tax bot, Tax Terrapin, has now hit the impressive milestone of answering 30,000 of the public’s most vexing tax questions. After all, who wants to navigate the HMRC website or be sat on hold for hours waiting to talk to an HMRC employee when you can get an instant answer from Terrapin - for free? - [This couple run a business together. How to make it work at work?](https://anna.money/blog/interviews/the-married-couple-that-run-a-business-together-valentines/): Valentine’s Day is fast approaching so we thought it‘d be apt to chat to an ANNA company that’s run by a couple, to find out how they juggle the personal and the professional, whether they ever come to blows over business decisions, and whether working together is the best (or worst?) thing they’ve ever done. - [7 ways the Spring 2024 budget will affect your small business](https://anna.money/blog/guides/7-ways-the-spring-2024-budget-will-affect-your-small-business/): Whenever a new budget lands it’s always so long that it’s hard to pinpoint the changes that will actually affect you – so we’ve done it for you! ANNA’s Accounting and Tax expert Aftab Hussain brings you the 7 key changes that will affect small businesses the most.. - [Tax Terrapin, ANNA’s Chat GPT Tax Advisor, is close to being certified as an official tax advisor](https://anna.money/blog/updates/terrapin-annas-chatgpt-tax-advisor/): Updated Sep 19, 2023. Tax Terrapin, ANNA’s free-to-use Chat GPT based tax bot, could potentially be certified as an official tax advisor since it is already able to pass some of ATT, ACCA and CIMA certification exams. - [We are here, we’re a virtual ear.](https://anna.money/blog/updates/our-customers-and-team-are-our-priority-at-anna/): Our customers and team are our priority at ANNA so we wanted to let you know about some new, extra things we’ve introduced to help you during this unprecedented time. - [New — get paid on the spot by QR code](https://anna.money/blog/updates/new-get-paid-on-the-spot-by-qr-code/): Get paid little and often? With cheque books becoming a thing of the past, online payment is taking over — but all those sneaky transaction fees can really add up. New QR code payments from ANNA allow you to get paid on the spot, simply, securely and commission-free. - [Spring Statement 2025: What does it mean for small businesses?](https://anna.money/blog/guides/spring-statement-2025/): Chancellor Rachel Reeves’ Spring Statement 2025 brings changes that will directly affect small UK limited companies, sole traders, employers with employees, and anyone doing self-assessments. Because we like to make life easier for you at ANNA, our resident accountant Aftab Hussain sat through the whole thing, so he could boil down the key measures and how they’ll impact you. - [UK Autumn Budget – costs increases for employers](https://anna.money/blog/guides/uk-autumn-budget-costs-increases-for-employers/): We recently looked at [how the autumn budget might increase costs for UK businesses](https://anna.money/blog/guides/autumn-budget-2021-update/). In this post we’ll take a closer look at these costs, using a case study to see how it might affect your business. - [99% of people who work alone are craving for the same thing as you](https://anna.money/blog/interviews/99-of-people-who-work-alone-are-craving-for-the-same-thing-as-you/): London Terrariums’ Emma Sibley explores the difficulties of letting go when you’ve built a business from the ground up - [Evgeny Nefedov, Digital marketing and website expert](https://anna.money/blog/interviews/evgeny-nefedov-digital-marketing-and-website-expert/): Meet Evgeny, digital marketing expert, King of emails, electronic music guru and a man with ever-changing hair colour. - [ANNA interviews: Flora from Washed Up Cards](https://anna.money/blog/interviews/flora-washed-up-cards/): We spoke to Flora from Washed Up Cards about her business selling cards decorated with plastic from beach cleans, and how her dyslexia informs her business. - [How to make money on TikTok: tips for small businesses](https://anna.money/blog/interviews/how-to-make-money-on-tiktok-tips-for-small-businesses/): TikTok is still a relatively new social media app, and users are still discovering the best ways to succeed on the platform. But it isn’t just for teens to show off their dance moves – TikTok could help you promote your small business, and even earn you extra income. We spoke to Charlotte Jessop, CEO of Looking After Your Pennies, about her popular [TikTok account](https://www.tiktok.com/@lookingafteryourpennies) which focuses on personal finance tips. Here’s her advice on making TikTok work for you. - [Meet Aftab – Business admin and Tax expert](https://anna.money/blog/interviews/meet-aftab-business-admin-and-tax-expert/): We sat down for a chat with ANNA’s resident tax expert and photography-lover Aftab. - [Irakli Agladze, product manager at ANNA](https://anna.money/blog/interviews/meet-irakli-agladze-anna-product-manager/): Meet Irakli Agladze, ANNA product manager. He’s a pioneer of partnerships and a connoisseur of cocktails. - [Meet our intern Georgia Hirth](https://anna.money/blog/interviews/meet-our-intern-georgia-hirth/): We had a quick chat with Georgia Hirth about why she applied for the Tax Terrapin internship, what she achieved in the four weeks she was with the ANNA team, and her thoughts on hula hooping and Sam Quealy… - [eCommerce – use your own store or sell on a platform?](https://anna.money/blog/reviews/ecommerce-use-your-own-store-or-sell-on-a-platform/): So you want to set up your own online shop. One of the first decisions you’ll need to make is whether to sell from your own website or via a platform like eBay or Amazon. There are pros and cons to both approaches. In this blog we’re going to look at the costs of both routes. - [What is e-Money? This video explains it all.](https://anna.money/blog/guides/we-think-terms-like-e-money-are-important-to-understand/): We think terms like e-money are important to understand, but information on what it means can be full of jargon. ANNA is not a bank, but we can see someone might think we are. Here's what it all means, in less than 2 minutes. - [What is an invoice, anyway? How to invoice like a pro](https://anna.money/blog/guides/what-is-an-invoice/): You’ve put in the hours, done the work – why should sending the invoice feel like such a chore? The sooner it’s done the sooner you get paid, so here’s how to invoice like a pro (even if you’re a complete beginner). - [Managing multiple Shopify accounts](https://anna.money/blog/guides/managing-multiple-shopify-accounts/): If your business involves selling things on Shopify, you may decide that one store isn’t enough for you. So, can you have more than one Shopify store? The good news is that you can – but you’ll need to pay for another account to add it. We take a look at the pros and cons. - [ANNA’s design philosophy: an interview with ANNA’s Andy Moore](https://anna.money/blog/interviews/andy-moore-annas-design-philosophy/): We sat down with ANNA’s own Head of Product Design Andy Moore and asked him about his role and his approach to design – and whether or not he wears a tiny beanie. - [Invoicing for the Self-Employed: A Complete Guide](https://anna.money/blog/guides/self-employed-invoices/): Whatever industry you’re in, and however your business works – whether you’re a self-employed sole trader or the owner of a limited company – chasing invoices is probably your least favourite thing to do. Fortunately, there’s an easy way to speed things along: you can send the perfect invoice each and every time you bill a client. Creating an invoice that covers all the bases will make it easier for clients to pay you promptly, saving you time, effort, and stress. Here is our guide to invoicing like a pro. - [Introducing free instant virtual debit cards from ANNA](https://anna.money/blog/updates/introducing-free-instant-virtual-debit-cards-from-anna/): Hit the ground running when you join ANNA with new virtual business debit cards. Open your business account and get a virtual card you can use straight away, while your physical card is on its way in the post. Because why hang around? - [Please stop using the F-word](https://anna.money/blog/interviews/why-i-banned-the-word-fintech-in-our-office/): I might be the co-founder and co-CEO of a financial institution, and admittedly what we do is pretty techie (ANNA is an AI-powered business account that takes care of taxes for SMEs) but please, please don’t call us a ‘fintech’. This particular f-word riles me so much that I’ve (almost) banned it from the office and all of our comms. Here’s why… - [Meet Alexis, Retention and Reaction Lead at ANNA](https://anna.money/blog/interviews/alexis-retention-and-reaction-lead-at-anna/): Meet Alexis – our Retention and Reaction Lead and all-round customer whisperer. She’s the voice of our users, the calm in the chaos, and the reason so many business owners stick with ANNA. From tricky chats to feel-good fixes, Alexis shares what it really takes to support small businesses, one conversation at a time. - [Nikolas Moatsos: my Internship at ANNA](https://anna.money/blog/interviews/nikolas-moatsos-my-internship-at-anna/): Data Science intern Nikolas talks about his time at ANNA, from gaining technical expertise to working on his soft skills. - [Melissa, People lead for customer experience](https://anna.money/blog/interviews/melissa-cx-lead/): As People Lead for our Customer Experience and Financial Crime teams, Melissa is part coach, part cheerleader, part HR wizard – and 100% human. From helping our team shine to keeping morale high (with a side of coffee and sass), her work makes a big difference where it counts: with our customers. We chatted about her path to people leadership, the surprising skills she’s picked up along the way, and why no robot can out-human the magic of a great team. - [Meet Denis Arslanbekov, ANNA’s Head of SRE/Infrastructure](https://anna.money/blog/interviews/meet-denis-arslanbekov-annas-head-of-sre-infrastructure/): We chat with ANNA’s head of Site Reliability Engineering (SRE) about his job, recent big project with OpenVPN and his cat – photo included! - [Tax Terrapin Case Study: Advent Calendar Business](https://anna.money/blog/guides/tax-terrapin-case-study-advent-calendar-business/): Looking to start your own small advent calendar business? Check out ANNA's Chat GPT Tax Terrapin case study to help you navigate the legal obligations involved. - [Is time now the most precious commodity in business?](https://anna.money/blog/guides/is-time-now-the-most-precious-commodity-in-business/): A mid-week breakfast meet-up gave these entrepreneurs a chance to reflect on the ways in which they relax. - [How to Pay VAT Online: Everything You Need to Know](https://anna.money/blog/guides/everything-you-need-to-know-to-pay-vat-online/): To keep your business running smoothly, and to ensure you don’t fall afoul of the taxman, it’s essential that you register for VAT if you meet the minimum annual threshold. Here we cover how to register, how to pay your VAT bill online through HMRC, and what happens if you miss a deadline for your VAT tax payment. - [Meet Anna from Anna Loves Pottery](https://anna.money/blog/interviews/meet-anna-from-anna-loves-pottery/): ANNA is a proud champion and supporter of the small business community so we wanted to introduce you to some of the talented folk behind the businesses… In this blog post we chat to ceramicist Anna Katharina Jens, from Anna Loves Pottery, and she reveals where her inspiration came from and how she gained her 287k followers on Instagram. - [Using TikTok for your small business: interview with Ramona Gohil](https://anna.money/blog/interviews/using-tiktok-for-your-small-business/): So you’ve set up a website, and bagged the usual social media accounts under your business’ name – but have you considered what TikTok could do for your small business? Far from just being a place for prank videos, TikTok could help you promote your business and even earn you extra income. We spoke to Ramona Gohil, founder of Rani & Co., about promoting her feelgood feminist clothing and jewellery brand on TikTok – and how the platfom can work for you. - [Full Guide To Self Assessment Tax Return 2024](https://anna.money/blog/guides/self-assessment-tax-return-2024/): As we gear up for the upcoming Self Assessment tax return deadline on 31 January 2024, we wanted to share some friendly advice to make sure your tax journey is as smooth as it can be. 🚀 - [5 things to know about your self assessment tax return](https://anna.money/blog/guides/5-things-to-know-about-your-self-assessment-tax-return/): Zoooooom. What’s that sound? It’s the self assessment online deadline whizzing towards us. That’s right, if you’re self-employed you’ve got until 31 January 2025 to file your self assessment online tax return for the tax year April 2023 to 2024. So we’ve put together a little list of 5 things you need to know. - [Self assessment 2021: Q&A](https://anna.money/blog/guides/self-assessment-2021-qa/): With this year’s deadline for self assessment tax return coming up soon (it’s 28 February), it’s handy to check you’re prepared for it. We spoke to our accountant John and he answered some of the most common questions we’ve heard so far. - [When is your Self Assessment Tax Return due in the UK?](https://anna.money/blog/guides/self-assessment-tax-due/): If you’re self-employed, rent out a property, or have extra income outside PAYE, you’ll need to deal with Self Assessment, HMRC’s system for reporting your income and paying tax. But Self Assessment isn’t just about one deadline. There are different “due” dates depending on whether you’re registering, filing, or paying, and each matters in its own way. - [Do I Need to File a Self Assessment?](https://anna.money/blog/guides/do-i-need-to-file-a-self-assessment/): If you’ve ever wondered “Do I need to file a Self Assessment?” you’re far from alone. The world of Self Assessment can be confusing. Thankfully, ANNA is here to help. - [Meet Negislava, Head of CX](https://anna.money/blog/interviews/meet-negislava-head-of-cx/): Meet our Head of Customer Experience Negislava, she helps manage the heartbeat behind those warm, human moments our customers love. - [How can I make sure my accounting software isn’t full of bugs like the Post Office’s Horizon IT?](https://anna.money/blog/guides/post-office-horizon-fujitsu-how-to-avoid/): Post Office scandal around Horizon software and Fujitsu raised an important question we will try to answer – how to make sure your accounting software is fine? - [What does an accountant do for my business? We asked one to find out.](https://anna.money/blog/interviews/what-does-an-accountant-do-for-me/): Accountants. We’ve all heard of them. Some of us have even met one. But if you’re starting out in business, sometimes it’s hard to know if you need one or not. You might not know what exactly accountants do, why it’s important, and how much they actually cost. Luckily for you, ANNA knows Laura Stacey, an FCCA qualified accountant with 20 years of experience, and we got her to explain what an accountant does and how they can help your business. - [What is bookkeeping and why does it matter?](https://anna.money/blog/guides/what-is-bookkeeping-and-why-does-it-matter/): Bookkeeping. It’s one of those words we’ve all heard of, but not all of us know what it means. Even in the world of small businesses and start-ups, you might not be completely clear about what bookkeeping is and how it affects you. Bookkeeping can affect everything from a small businesses cash flow, tax returns and financial reporting – so it’s worth keeping on top of the basics. - [The benefits of virtual debit cards](https://anna.money/blog/guides/benefits-of-virtual-debit-cards/): One of the handy things about signing up with ANNA is that you get a virtual debit card that lets you use your account straight away - without needing to wait for your physical (and miaowing) debit card. But speed isn’t the only benefit of having a virtual debit card. - [What is bank reconciliation and do I really need to do it?](https://anna.money/blog/guides/what-is-bank-reconciliation-and-do-i-need-it/): As a subject, it might seem drier than a lizard sunbathing in the Sahara. But bank reconciliation is a fact of life for every small business, ensuring your accounting records are a true picture of your business’s financial health and fit for the beady eyes of HMRC. Here’s how it works – and how to make it as painless as possible. - [Limited Company Advantages and Disadvantages in UK [2025 Guide]](https://anna.money/blog/guides/uk-limited-company-advantages-disadvantages/): One of the most commonly asked questions for UK entrepreneurs is whether to operate as a sole trader or form a limited company. This decision can impact your tax, liability, credibility, and long-term growth potential. This guide breaks down the benefits of a limited company, the downsides, and helps you decide is it worth going limited company in 2025. - [What self employed expenses can you claim if you work from home?](https://anna.money/blog/guides/what-self-employed-expenses-can-you-claim-if-work-from-home/): Working from home gives you the flexibility and freedom to do business on your own terms — and if you’re really lucky, sometimes the opportunity to wear pajamas all day.nnYou can also claim some household costs back as expenses, which will save you money on your tax bill. Here's a guide to some of the charges you can recoup (spoiler alert: pajamas aren’t included, sadly). - [How to Check Registered Business Names in the UK: Guide](https://anna.money/blog/guides/how-to-check-registered-business-names/): Learn how to check registered business names to avoid legal issues, build a strong brand, and choose a unique identity for your venture. - [How to Get a Company Registration Certificate in the UK? (6 Easy Steps To Follow)](https://anna.money/blog/guides/company-registration-certificate-uk/): Discover how to get a Company Registration Certificate in the UK with a simple guide covering legal steps, naming rules, and documents. - [6 tips to avoid freelancer burnout 🔥](https://anna.money/blog/guides/6-tips-to-avoid-freelancer-burnout/): Working for yourself has plenty of advantages, but top of the list for most freelancers is the flexibility it offers. Choosing when, where and how you work is, for many of us, the definition of Living the Dream. But being your own boss comes with its own set of challenges. There isn’t the traditional support system or structure of a permanent role: it’s all down to you, and that can be overwhelming at times. Our tips will help you look after yourself and your business – so you can stay motivated, and your small business can swing from strength to strength this year. - [6 ways to survive working from home with kids](https://anna.money/blog/guides/6-ways-to-survive-working-from-home-with-kids/): The coronavirus pandemic has forced everyone to stay at home. Now parents face a terrifying new challenge: working from home with kids. ANNA takes a serious (but not too serious) look at how to cope. - [300 Balloon Business Names: Unique Name Ideas to Inspire You](https://anna.money/blog/guides/balloon-business-names/): Discover balloon business names that inspire, delight, and make your brand unforgettable while helping you stand out in every celebration. - [70 Best Lash Business Name Ideas to Help You Build a Bold, Iconic Brand](https://anna.money/blog/guides/lash-business-names/): Discover the best lash business names to match your vibe, stand out from the crowd, and build a beauty brand that clients never forget. - [60+ Catchy Beauty Business Names to Inspire Your Brand](https://anna.money/blog/guides/beauty-business-names/): Discover the best catchy beauty business names to inspire your brand and attract customers with a name that reflects your unique vibe. - [120 Unique Catering Business Names for Event Professionals](https://anna.money/blog/guides/catering-business-names/): Explore unique catering business names to inspire your brand with creative, memorable ideas that truly reflect your style and attract clients. - [Top 140 Construction Business Names to Inspire You](https://anna.money/blog/guides/construction-business-names/): Discover construction business names to inspire your brand and help you stand out with ideas that feel professional, modern, and memorable. - [Craft Business Names: 150+ Creative Name Ideas for Your Brand](https://anna.money/blog/guides/craft-business-names/): Discover craft business names that showcase your creativity, reflect your style, and help your brand stand out with charm and confidence. - [101 Catchy Crochet Business Names to Inspire Your Brand](https://anna.money/blog/guides/crochet-business-names/): Explore crochet business names that are creative, memorable, and unique to help you stand out, connect with customers, and grow your brand. - [Dog Grooming Business Names: Best Ideas for Your Pet Brand](https://anna.money/blog/guides/dog-grooming-business-names/): Explore dog grooming business names that charm dog parents, reflect your style, and help your salon stand out with trust and personality. - [Gym Clothing Name Ideas: 180+ Brand Names & Pro Tips](https://anna.money/blog/guides/gym-clothing-name-ideas/): Explore gym clothing name ideas that inspire strength, style and identity while helping you build a brand your audience will connect with. - [How to Choose a Company Name That Stands Out [+Examples]](https://anna.money/blog/guides/how-to-choose-a-company-name/): Discover how to choose a company name that’s unique, memorable, and perfectly aligned with your brand to attract attention and build trust. - [190+ Jewellery Brand Names to Match Every Aesthetic](https://anna.money/blog/guides/jewellery-business-names/): Explore jewellery business names that capture your style, charm your customers, and set the tone for a memorable, standout business. - [Landscaping Business Names: Creative Name Ideas & Examples](https://anna.money/blog/guides/landscaping-business-names/): Explore landscaping business names and find inspiration that helps you choose a clear, memorable identity that reflects your style and builds trust. - [Plumbing Business Names: Creative Ideas & Examples List](https://anna.money/blog/guides/plumbing-business-names/): Explore plumbing business names to spark ideas, boost your brand identity, and help you choose a name that makes your plumbing business stand out. - [Top 120 Removals Business Name Ideas for Moving Companies](https://anna.money/blog/guides/removals-business-name-ideas/): Explore removals business name ideas and find inspiration to create a memorable brand that builds trust and connects with your ideal customers. - [Creative Travel Business Names That Stand Out [250 Ideas]](https://anna.money/blog/guides/travel-business-names/): Explore creative travel business names to inspire your brand and attract curious adventurers with a name that tells your unique story. - [Virtual Assistant Business Names: 200+ Catchy Ideas List](https://anna.money/blog/guides/virtual-assistant-business-names/): Explore virtual assistant business names that inspire trust, show your style, and help your brand confidently stand out to the right clients. - [130+ Unique Web Design Business Names for Your Agency](https://anna.money/blog/guides/web-design-business-names/): Explore web design business names that inspire creativity, reflect your brand identity, and help your agency stand out online effortlessly. - [40+ Creative Candle Business Names to Get Inspiration + Practical Tips](https://anna.money/blog/guides/candle-business-names/): Discover creative candle business names to get inspired and find the perfect name that captures your brand’s style, vibe, and customer appeal. - [How do direct debits work? Everything you need to know if you’re self employed](https://anna.money/blog/guides/how-do-direct-debits-work/): You can invoice with ease – but could you do with a hand paying your bills on time? Direct debits are the easiest way to make regular payments from your business bank account. Here’s everything you need to know to set up and manage direct debits. Kiss late payment fees goodbye! - [What is a standing order and how to set one up in the UK?](https://anna.money/blog/guides/what-is-a-standing-order/): A standing order is a simple but very effective banking service that makes everyday life easier. It’s a way to automate regular payments from your bank or business account to someone else’s - whether that’s a landlord, a charity, or even your own savings account (lots of people use them as a way to set aside money). - [4 ways to get your business ready for Christmas](https://anna.money/blog/guides/4-ways-to-get-your-business-ready-for-christmas/): It’s that time of the year – the days are getting shorter, the pavements are covered in leaves, and supermarkets are already selling mince pies (it really does seem to get earlier every year). And as businesses, we’re creeping towards Black Friday, Cyber Monday and the Christmas sales season. - [Do I need business insurance? A guide to protecting your business](https://anna.money/blog/guides/do-i-need-business-insurance-a-guide-to-protecting-your-business/): Business insurance protects you against certain losses you might face during the running of your business. These could include things like damaged equipment, or if a customer or employee makes a claim against you. - [Celebrating self-employed working mums this Mother’s Day](https://anna.money/blog/interviews/celebrating-self-employed-working-mums-this-mothers/): Who runs the world? Mums, probably. - [7 steps to get a mortgage when you’re self employed](https://anna.money/blog/guides/7-steps-to-get-a-mortgage-when-youre-self-employed/): So you’re self-employed, running a business, your own boss. It’s going well, so you’re straight onto Rightmove to check out which house to buy. But when you’re self-employed a mortgage can feel like it’s never on the cards. - [Pensions for the self-employed. Yes, you need one.](https://anna.money/blog/guides/pensions-for-the-self-employed/): As a self-employed individual, setting up a pension is crucial for your financial future. This guide will help you understand self-employed pension options, contributions, and how to choose the best pension plan for your needs. - [How to Start a Graphic Design Business in 2026 [Full Guide]](https://anna.money/blog/guides/how-to-start-a-graphic-design-business/): Learn how to start a graphic design business and build a creative career with smart setup tips, strong branding, and steady client growth. - [How to Start a Life Coaching Business: Step-by-Step Guide](https://anna.money/blog/guides/how-to-start-a-life-coaching-business/): Discover how to start a life coaching business and turn your natural guidance into a thriving coaching career with clarity, confidence, and ease. - [How to Start an Event Planning Business [Full UK Guide]](https://anna.money/blog/guides/how-to-start-an-event-planning-business/): Learn how to start an event planning business with practical steps to define your niche, build your brand, attract clients, and grow with confidence. - [How to Start an HR Consulting Business: A Step-by-Step Guide](https://anna.money/blog/guides/how-to-start-an-hr-consulting-business/): Learn how to start an HR consulting business and build a credible practice with clear steps to attract clients and grow your services. - [How to Start a Travel Agency Business in the UK: Full Guide](https://anna.money/blog/guides/start-a-travel-agency-business-in-uk/): Learn how to start a travel agency business in the UK and turn your passion for planning unforgettable trips into a profitable, flexible career. - [How to write a business plan for a mobile phone app](https://anna.money/blog/guides/how-to-write-a-business-plan-for-a-mobile-app/): So you’ve got a great idea for a mobile phone app – congratulations! Coming up with a business-worthy concept is half the battle. But to develop your app successfully, you’ll need to put together a business plan. This will give you an overall picture of your new project from start to (hopefully very profitable) finish, and guide you through the whole process. Here’s everything you need to know about writing a business plan to take your app to the top. - [Starting a Reselling Business Online](https://anna.money/blog/guides/starting-a-reselling-business/): As the UK gradually leaves the two years of lockdowns and restrictions, statistics from eBay tell us that 67% of new UK e-commerce sellers only started selling pre-owned goods over the last year to earn extra cash. In fact, on average, a UK household has 31 unwanted items that could be sold for up to £800 on platforms such as eBay, Vinted, Depop etc. - [10 Tips on How to Start a Business in the UK With No Money](https://anna.money/blog/guides/how-to-start-a-business-uk-with-no-money/): Explore the best tips on how to start a business in UK with no money and learn how to use free tools, skills, and support to get started today. - [Filing a zero VAT return](https://anna.money/blog/guides/filing-a-zero-vat-return/): If you run a VAT registered business, you probably think that if you haven’t traded during a quarter you don’t have to file a VAT Return. Think again… - [Fuel Scale Charge – Claim back all your VAT on fuel](https://anna.money/blog/updates/fuel-scale-charge-claim-back-all-your-vat-on-fuel/): HMRC has lots of complicated rules and methods for claiming the VAT back on business expenses. Thankfully ANNA’s here to make things simpler and easier – and we’ve just introduced a new feature for claiming VAT back on the fuel you’ve purchased. - [How to file a VAT return using Excel](https://anna.money/blog/tools/how-to-file-a-vat-return-using-excel/): Introducing free Excel VAT filing from ANNA, and here's a quick tour of how to fill in that 9 boxes spreadsheet. - [Changes to HMRC penalties for late VAT return submission](https://anna.money/blog/guides/late-vat-return-penalties-changes/): In January 2023 HMRC will be introducing a new penalty system for late submissions of VAT Returns. The rules will apply to anyone submitting a VAT Return for accounting periods that begin on or after 01 January 2023. And the new rules will apply even if you are submitting a NIL VAT return (that’s a VAT Return with 0.00 figures in boxes 1-9). - [Top tips to avoid manual errors in VAT preparation](https://anna.money/blog/guides/top-tips-to-avoid-manual-errors-in-vat-preparation/): We’re happy to see a lot of business owners are using our [VAT filing tool](https://s.anna.money/v/freetrial?utm_source=blog&utm_campaign=useful_content&utm_content=useful_content1) to submit their VAT returns. But, however good or intuitive the tool is, we understand it might be tricky not to miss anything in those steps you still need to do manually. We are here to give you some tips and tricks on what to look out for when preparing your VAT returns, ways you can avoid mistakes and gain the luxury of time for your business. - [Disquieting times: tips for the self-employed when the phone stops ringing](https://anna.money/blog/guides/tips-for-the-self-employed-when-the-phone-stops-ringing/): For freelancers and those at the helm of small companies, lulls in business can usher in feelings of self-doubt, anxiety and existential dread. It doesn’t have to be this way: quiet times offer the opportunity to innovate, strategise and de-stress – you just have to know how. - [What is HR and does your small business need it yet?](https://anna.money/blog/guides/what-is-hr-and-does-your-small-business-need-it-yet/): More than a few of us have made an off-colour joke at after-work drinks, clapped a hand over our mouths and said in a hushed tone, ‘Don’t tell HR!’ But besides hiring, firing and policing the odd behavioural slip-up, what do HR professionals actually do – and does your small business need them? The short answer is yes, but not necessarily in the way you might assume. We talked to Claire Baker, CEO of Claire Baker Boutique HR Consulting, who specialises in helping technical, professional, and creative service based businesses either experiencing or expecting growth. - [5 brilliant business books you can expense](https://anna.money/blog/guides/top-5-books-you-can-expense/): We asked the ANNA team: which business related book has inspired you most? Here are their top choices. Don't forget, if you fancy a read, they're all fully expensable! - [How to get a mortgage if you’re self-employed](https://anna.money/blog/guides/how-to-get-a-mortgage-if-youre-self-employed/): When you're self-employed, it can feel like buying your own home will always be out of reach. But by tidying up your accounts and shopping around, you could be on your way to home ownership. Working for yourself often means your income varies from month to month, and that can affect your mortgage application. Right now, 13-14% of the UK workforce is self-employed – with more people joining the freelance revolution year on year. But more than 1 in 5 of these people have had their mortgage application rejected* because they can’t prove their future earnings to a lender’s satisfaction. No wonder so many people running their own businesses haven’t taken the first step up the property ladder. - [Can I claim for a Christmas party (and the bacon sarnies next day?)](https://anna.money/blog/guides/can-i-claim-for-a-christmas-party/): It’s the most wonderful time of the year, except perhaps for HMRC. From your works Christmas bash to the bacon butties the morning after, there’s a load of festive expenses you can write off against tax as a small business. What more excuse do you need to celebrate? - [How to Start a Plumbing Business: UK Guide for 2026](https://anna.money/blog/guides/how-to-start-a-plumbing-business/): Learn how to start a plumbing business with expert tips on setup, compliance, pricing, and growing a successful trade from day one. - [Wise vs Revolut business account – which one should you choose?](https://anna.money/blog/guides/wise-vs-revolut-business-account/): If your business works with clients abroad, choosing the right business account can make a big difference. [Wise](https://anna.money/blog/guides/how-to-open-wise-business-account/) and [Revolut](https://anna.money/blog/guides/how-to-open-revolut-business-account/) are two of the most popular options for international payments – both are app-based, both support multi-currency accounts, and both promise low fees. - [60+ Best Business Consulting Company Name Ideas [2026]](https://anna.money/blog/guides/business-consulting-company-name-ideas/): Explore business consulting company name ideas and find creative, professional, and memorable options to make your brand stand out. - [130+ Unique Photography Business Names to Get Inspired](https://anna.money/blog/guides/photography-business-names/): Explore unique photography business names to inspire your brand identity and help you stand out with a name that reflects your style and vision. - [How to Start a Print on Demand Business in 2026: Step-by-step](https://anna.money/blog/guides/how-to-start-a-print-on-demand-business/): Explore how to start a print on demand business and turn your creativity into income with custom designs that reach buyers worldwide. - [How to Start a Coffee Van Business in the UK [Step-by-Step]](https://anna.money/blog/guides/how-to-start-a-coffee-van-business-uk/): Learn how to start a coffee van business in the UK with practical steps to brew success, attract customers, and grow your mobile café. - [How to Start a Bakery Business in the UK [2026 Guide]](https://anna.money/blog/guides/how-to-start-a-bakery-business/): Learn how to start a bakery business from choosing your model to branding, legal steps, equipment, and marketing to turn passion into profit. - [How to Start a Video Editing Business in 2026 [Full Guide]](https://anna.money/blog/guides/how-to-start-a-video-editing-business/): Learn how to start a video editing business and turn your creative skills into a successful brand that attracts clients and grows with confidence. - [How to Start a Copywriting Business from Scratch? [Guide]](https://anna.money/blog/guides/how-to-start-a-copywriting-business/): Learn how to start a copywriting business in the UK and turn your writing skills into profit with legal setup, pricing, and client tips. - [How to Set Up a Private Limited Company in the UK in 9 Steps](https://anna.money/blog/guides/how-to-register-a-private-limited-company/): Learn how to register a private limited company in the UK with simple steps to protect your assets, boost credibility, and grow your business. - [Can You Use a Dissolved Company Name? [Rules Explained]](https://anna.money/blog/guides/can-you-use-a-dissolved-company-name/): Discover can you use a dissolved company name, understand the rules, avoid risks, and learn how to protect your brand before starting fresh. - [How to Open NatWest Business Bank Account 2026](https://anna.money/blog/guides/how-to-open-natwest-business-account/): NatWest is one of the UK’s “Big Four” banks, alongside [HSBC](https://anna.money/blog/guides/how-to-open-an-hsbc-business-account-online/?utm_source=blog&utm_medium=blog&utm_campaign=natwest), [Barclays](https://anna.money/blog/guides/how-to-open-a-barclays-business-account/?utm_source=blog&utm_medium=blog&utm_campaign=natwest), and [Lloyds](https://anna.money/blog/guides/how-to-open-a-lloyds-business-account-online/?utm_source=blog&utm_medium=blog&utm_campaign=natwest). It also offers some tempting perks for business customers, such as free accounting software and the chance to bank for free for the first two years. But is a NatWest business account really the right choice for you and your company? We’ll assess fees, requirements, the account opening process, and more to help you decide. - [Baking Business Names: 100+ Catchy Name Ideas for 2026](https://anna.money/blog/guides/baking-business-names/): Explore baking business names that reflect your style, spark creativity, and help your bakery stand out with charm and confidence. - [200+ Clothing Brand Names Inspired by Gen Z Trends [2026]](https://anna.money/blog/guides/clothing-business-names/): Discover clothing business names inspired by TikTok aesthetics to help you create a unique brand identity Gen Z will love and remember. - [What Is a Dormant Company? Definition, Benefits & Tax Guide [2026]](https://anna.money/blog/guides/dormant-company/): Discover what is a dormant company and learn how to keep it compliant, avoid common pitfalls, and protect your business while not trading. - [80+ Handyman Business Name Ideas to Stand Out Locally in 2026](https://anna.money/blog/guides/handyman-business-names/): Explore handyman business names by style and get tips on branding, legal checks, and what makes a name memorable and right for your business. - [100+ Catchy Food Business Name Ideas to Inspire You In 2026](https://anna.money/blog/guides/food-business-names/): Explore catchy food business names to spark ideas for your brand, with tips for naming, legal checks, and starting your food venture. - [Advantages and Disadvantages of a Sole Trader Business [2026 Guide]](https://anna.money/blog/guides/advantages-and-disadvantages-of-sole-trader/): Discover the advantages and disadvantages of a sole trader business including personal liability risks, taxes, and who this structure suits best. - [How to Check a UK VAT Number [Comprehensive Guide & Tips]](https://anna.money/blog/guides/uk-vat-number/): Discover how to check a UK VAT number with step-by-step guidance to stay compliant, avoid fraud, and protect your business from costly errors. - [Company Directors: Roles, Responsibilities, and Legal Obligations in the UK](https://anna.money/blog/guides/company-director-uk/): Learn everything you need to know about being a company director in the UK, including legal duties, risks, responsibilities & how to stay compliant. - [What is Companies House: Everything UK Business Owners Need to Know](https://anna.money/blog/guides/what-is-companies-house/): Discover what is Companies House, how it works, why it matters for your business, and what you need to know to stay compliant and informed. - [140 Stylish Bracelet Business Name Ideas to Attract Customers](https://anna.money/blog/guides/bracelet-business-names/): Discover the best stylish bracelet business name ideas to inspire your brand, attract the right customers, and stand out in today’s jewellery market. - [How to Start a Dropshipping Business in the UK? [Actionable Guide]](https://anna.money/blog/guides/how-to-start-a-dropshipping-business-in-uk/): Discover how to start a dropshipping business in UK with low overhead and no inventory & learn the steps to launch and grow your store. - [5 Best Company Registration Service Providers in 2026](https://anna.money/blog/guides/best-company-registration-service/): Discover the best company registration service providers that simplify setup, protect your privacy, and support your business from day one. - [70 Creative Carpentry Business Names for 2026 (+ Bonus Niche Ideas)](https://anna.money/blog/guides/carpentry-business-name-ideas/): Explore unique carpentry business name ideas to help craft a memorable, professional brand that stands out and grows with your woodworking journey. - [Tide vs Starling business account – which one should you choose?](https://anna.money/blog/guides/tide-vs-starling-business-account/): Looking for a business account that actually helps you run your business (and not just store your money)? Tide and Starling are two of the UK’s best-known options for small businesses and freelancers. Both promise quick setup, intuitive apps and low-cost banking – but their offers are quite different once you look beyond the surface. - [HSBC vs Santander business account – which one should you choose?](https://anna.money/blog/guides/hsbc-vs-santander-business-account/): Looking for a business account backed by a major UK bank? [HSBC](https://anna.money/blog/guides/how-to-open-an-hsbc-business-account-online/) and [Santander](https://anna.money/blog/guides/how-to-open-santander-business-account/) are two of the country’s biggest names in business banking – both well-established, both trusted by hundreds of thousands of companies, and both offering modern digital accounts for small businesses. - [Monzo vs Revolut business account – which one should you choose?](https://anna.money/blog/guides/monzo-vs-revolut-business-account/): Looking for a business account that doesn’t make life harder than it has to be? [Monzo](https://anna.money/blog/guides/how-to-open-monzo-business-account/) and [Revolut](https://anna.money/blog/guides/how-to-open-revolut-business-account/) are two of the most popular app-based banks in the UK – both digital, both modern, both designed for people who run their business from their phone. - [Is ‘deep play’ the key to unlocking creativity?](https://anna.money/blog/interviews/is-deep-play-the-key-to-unlocking-creativity/): A chat with Alex Soojung-Kim Pang, the author of Rest: Why You Get More Done When You Work Less on why working harder does not make you more productive. - [7 ways to avoid unpaid invoices](https://anna.money/blog/guides/unpaid-invoices/): Whether you’re a freelancer or own a small business, chances are you’ve had to deal with the problem of unpaid invoices. Here are 7 top tips from the ANNA team on how to make unpaid invoices a thing of the past. - [Don’t miss out on tax relief on your self-employed pension contributions](https://anna.money/blog/guides/tax-relief-on-self-employed-pension-contributions/): Experts are warning that the self-employed are heading for a retirement crisis. A survey of 5,000 self-employed workers by the wealth manager Interactive Investor found that 76% weren’t saving into a pension. Of these, 38% had never saved into a pension, while another 38% had a workplace pension from a previous job but weren’t saving anything now. - [Budget 2025: How the changes will affect you and your business](https://anna.money/blog/guides/budget-2025-how-changes-affect-your-business/): The Chancellor delivered the Autumn Budget on 26 November, and now we know what's coming. No more speculation, just confirmed changes, real dates and a clear plan. If you read our earlier piece on [how ANNA prepares for the Budget,](https://anna.money/blog/guides/budget-2025-anna-getting-ready/) you'll know we had our teams ready and waiting – the moment the official documents dropped, we got to work updating ANNA’s systems so that you’ll be compliant and up to date with any new rules that affect you. Here's what actually changed, what it means for your business, and what we're updating behind the scenes… - [What is an IBAN? - International Bank Account Numbers](https://anna.money/blog/guides/what-is-an-iban-number/): If you’ve ever tried to send money to or receive money from countries outside of the UK, you’ve probably encountered IBAN numbers. Banks in various countries, including many European nations, use these identifiers for international money transfers, This article will demystify everything you need to know about IBAN numbers, including how to find the number for you or your business. - [HMRC self-assessment looming? Let’s do this](https://anna.money/blog/guides/hmrc-self-assessment-looming/): Sit down at desk. Get up and tidy round. Sit back down at desk. Decide to hoover entire house. If this is your usual approach to anything financial admin related, your self assessment might be haunting you right now (although we’re sure your house is looking great). And you’re not alone: the stats show that one in five people leave their tax return to the last 48 hours before the 31 January deadline. Cut the stress and get it out of the way painlessly with our step-by-step guide. - [NatWest vs Lloyds business account – which one should you choose?](https://anna.money/blog/guides/natwest-vs-lloyds-business-account/): Looking for a business account that actually supports your company rather than slowing it down? [NatWest](https://anna.money/blog/guides/how-to-open-natwest-business-account/) and [Lloyds](https://anna.money/blog/guides/how-to-open-a-lloyds-business-account-online/) are two of the UK’s biggest names in business banking, both offering accounts aimed at small businesses, startups and established companies alike. - [Airwallex vs Wise business account – which one should you choose?](https://anna.money/blog/guides/airwallex-vs-wise-business-account/): Looking for a business account that makes international payments simpler, not harder? Airwallex and [Wise](https://anna.money/blog/guides/how-to-open-wise-business-account/) are two of the most popular choices for companies trading across borders – both digital, both modern, and both designed to help you hold and move money globally. - [NatWest vs Nationwide for sole traders – which account works best for your business?](https://anna.money/blog/guides/natwest-vs-nationwide-business-account/): If you’re self-employed, a freelancer, or running a side hustle, finding the right account to manage your business income can be confusing. [NatWest](https://anna.money/blog/guides/how-to-open-natwest-business-account/) offers a full-fledged business account with tools for bookkeeping and invoicing, while Nationwide – though it doesn’t yet have a dedicated business current account – provides personal and savings accounts that many sole traders use for managing their business income. - [Starling Bank vs Revolut Business account](https://anna.money/blog/guides/starling-bank-vs-revolut-business-account/): Looking for a business account that’s modern, fast, and flexible? [Starling](https://anna.money/blog/guides/how-to-open-starling-business-account/) and [Revolut](https://anna.money/blog/guides/how-to-open-revolut-business-account/) are two of the UK’s best-known digital options for entrepreneurs who prefer to manage their business finances from their phone or laptop. - [10 New Year's resolutions for the self-employed](https://anna.money/blog/guides/ten-new-years-resolutions-for-the-self-employed/): You’ve grafted this past year. You’ve secured new clients, maybe set yourself up with a great new space. You got out there and met new people. But... you’re still dropping balls on the admin side. It’s not a crime, but does invite unnecessary hassle - yet it’s so easy to resolve.nnCalling small business owners, self-employed, freelancers and sole traders. We’ve set a few New Year’s resolutions you can pick and mix from to power your business into 2020. - [Maxim Konkin – Product Manager, Customer Operations Platform](https://anna.money/blog/interviews/maxim-konkin-pm-customer-operations-platform/): Behind every fast reply and smooth support experience at ANNA is a team building tools customers never see – but feel every time they need help. In this interview, we speak to Maxim, one of ANNA’s product managers, about designing internal systems for our customer experience team, balancing invisible technical work with real-world impact, and what it takes to build tools that genuinely make people’s jobs easier. - [What is a Person with Significant Control? (PSC)](https://anna.money/blog/guides/person-with-significant-control-psc/): If you own or manage a UK company, you’ve probably come across the term **Person with Significant Control**, also called a PSC, but what does it mean, and why does it matter? Since April 2016, all UK companies have been legally required to maintain a [PSC register](https://www.gov.uk/government/collections/people-with-significant-control-requirements). - [Customer spotlight: Thieu Nguyen owner of Perfect Image Nails salon](https://anna.money/blog/interviews/customer-spotlight-thieu-nguyen-owner-of-perfect-image-nails-salon/): Thieu Nguyen – who goes by the nickname Hana – has been living in London for 20 years, having moved over from Thai Nguyen in Vietnam when she was 16. She lives near Lavender Hill with her partner and their four-year-old twins, who she describes as 'double trouble'! Hana is something of a super woman who also runs three other businesses – a fish and chip shop, a Vietnamese restaurant and a travel company. Wow! - [Inclusivity First at ANNA](https://anna.money/blog/updates/no-barriers-making-anna-more-accessible/): **We’re on a mission to make ANNA more accessible for everyone in 2026 and we’ll be sharing every step of our journey here.** At ANNA, we’ve always believed that anyone should be able to run a business confidently, no matter their background, language, or experience. Our aim was always to build a product that was easy for people to use, that didn't leave people behind. But, over the past year, we’ve realised that having an inclusive product isn’t just a nice‑to‑have – it’s essential. - [Making the most of your Payment Link](https://anna.money/blog/updates/making-the-most-of-your-payment-link/): ANNA’s Payment Link is one of the handiest features included in our Business Account, but lots of our customers don’t realise just how useful it is. So here’s a rundown of everything you can do with it. - [How ANNA clients use payment links: Sacred Space Yoga Studio](https://anna.money/blog/interviews/how-anna-clients-use-payment-links-sacred-space-yoga/): Since we launched [ANNA payment links](https://anna.money/business-account/payment-link/), we’ve had feedback from all sorts of small businesses that it’s an easier, more convenient way for them to accept payments. That’s what we like to hear! In this interview, we chatted with Kerrina Louise New of Sacred Space Yoga Studio in Weston-Super-Mare about her experience with ANNA payment links. - [How ANNA clients use payment links: the Brain Box Shop](https://anna.money/blog/interviews/payment-links-the-brain-box-shop/): [ANNA payment links](https://anna.money/business-account/payment-link/) are the easier, more convenient way for your small business to accept payments. But don’t just take our word for it! We spoke to Karol Stefan Cegla of The Brain Box Shop in Swansea about how he uses his payment link to get paid in his shop, and his online business. Here’s what he had to say. - [Accept payments online with ANNA Money payment links](https://anna.money/blog/updates/accept-payments-online-links/): When you're an ANNA customer, it's really easy to get paid instantly without chasing invoices, or having to accept card payments. All through the wonders of Open Banking. Here's a quick guide to show you how easy it is. - [Standing orders are now available with ANNA](https://anna.money/blog/updates/standing-orders-are-now-available-with-anna/): Standing orders are now possible on the ANNA app, so you can make scheduled and regular payments in a couple of taps. Standing orders can help you stay on top of your regular payments, so you can budget and plan ahead for your business. Late payment fees will never darken your door again! - [Standing Order vs Direct Debit: the Differences Explained](https://anna.money/blog/guides/standing-order-vs-direct-debit/): If you live in the UK, you almost certainly already use Standing Orders or Direct Debits - maybe without giving them much thought. They’re the items stacking up in your bank statements; they quietly take care of your rent, bills, and subscriptions, helping you stay on top of life without having to make a new payment every month. - [My Data Science Internship at ANNA by Jonah Hughes](https://anna.money/blog/interviews/data-science-internship-by-jonah-hughes/): We spoke to Data Science Intern Jonah Hughes about his time at ANNA. - [Meet, James Ashwood, co-founder and director of the Festival of Entrepreneurs](https://anna.money/blog/interviews/james-ashwood-co-founder-of-the-festival-of-entrepreneurs/): James Ashwood is the co-founder and director of the [Festival of Entrepreneurs](https://www.festivalofentrepreneurs.co.uk/) (which is happening at the NEC on 8-9 October 2025), a new business event featuring 5,000 entrepreneurs, business leaders, funding, technology and support experts that’s designed to bridge the scaleup gap. To register for a free ticket (yes, you heard that right, tickets are free) sign up [here](https://eventdata.uk/Forms/Form.aspx?FormRef=FOEA5Visitor&TrackingCode=ANNA), and do swing by the ANNA stand to say hi! - [The best e-commerce platforms for small businesses](https://anna.money/blog/guides/the-best-e-commerce-platforms-for-small-businesses/): Launching your own e-commerce site is a significant and exciting step to growth. It can be a bit intimidating for the less digitally literate and does require investment — but it’s one that will hopefully pay off. We look at how you can power your online store and the apps you can use to make your site more proactive. - [Running an Etsy shop: we interview Claire from Made By Milts](https://anna.money/blog/interviews/running-an-etsy-shop/): Ever fancied running your own online shop, but not sure where to start? We had a chat with Claire who runs [Made by Milts on Etsy](https://www.etsy.com/shop/madebymilts/?dd_referrer=) about how she started and her experiences running an online store. - [ANNA is now part of the Confirmation of Payee scheme](https://anna.money/blog/updates/anna-is-now-part-of-the-confirmation-of-payee-scheme/): From now on ANNA will be part of the Confirmation of Payee scheme. That means that when your customers want to pay you, they can check they’re transferring their money to the right account. This is important for two reasons: your customers get peace of mind, and your business looks more professional. - [What is Confirmation of Payee? (CoP)](https://anna.money/blog/guides/what-is-confirmation-of-payee/): If you’ve paid someone online in the last few months, you’ve probably encountered Confirmation of Payee (CoP). Confirmation of Payee is a new security check introduced by [Pay.UK](https://www.wearepay.uk/what-we-do/overlay-services/confirmation-of-payee/) to reassure anyone banking online that they are actually sending money to the right person. - [Trivial Benefits Explained: How to Give Small Perks Without Paying Tax](https://anna.money/blog/guides/trivial-benefits/): Discover how trivial benefits let you treat your team with tax-free perks, boost morale, and stay fully compliant without added admin or stress. - [250+ Plastering Business Names: Catchy Name Ideas for 2026](https://anna.money/blog/guides/plastering-business-names/): Discover plastering business names that inspire trust, spark creativity, and help your brand stand out with a strong, lasting impression. - [90+ Unique Nail Business Name Ideas to Make Your Salon Stand Out](https://anna.money/blog/guides/nail-business-names/): Explore the best unique nail business names to spark your creativity and help you craft a standout brand that attracts loyal clients effortlessly. - [Low-Cost Restaurant Ideas in UK: Ghost Kitchens & TikTok Trends for 2026](https://anna.money/blog/guides/low-cost-restaurant-ideas-uk/): Discover low-cost restaurant ideas in the UK that blend creativity, tech, and trend-savvy menus to help you launch with impact and minimal overhead. - [How to Start an Ecommerce Business in the UK [2026 Guide]](https://anna.money/blog/guides/how-to-start-an-ecommerce-business/): Discover how to start an ecommerce business in the UK with real steps to choose a niche, source products, stay legal and attract loyal customers. - [How to Start a Wedding Planning Business: UK Success Guide](https://anna.money/blog/guides/how-to-start-a-wedding-planning-business/): Discover how to start a wedding planning business, attract clients, set up legally, market your services, and build a rewarding career. - [How to Start a Tutoring Business in 2026 [Complete Guide]](https://anna.money/blog/guides/how-to-start-a-tutoring-business/): Learn how to start a tutoring business in the UK with practical steps on setup, legal requirements, earning potential and finding students. - [How to Start a Taxi Business in the UK [Licenses & Setup Guide]](https://anna.money/blog/guides/how-to-start-a-taxi-business/): Discover how to start a taxi business in the UK and learn what it takes to get licensed, attract customers, and run a smooth, profitable operation. - [How to Start a Security Company in the UK: Full Setup Guide](https://anna.money/blog/guides/how-to-start-a-security-company/): Discover how to start a security company in the UK with expert guidance on licensing, legal setup, staffing, equipment, and client growth. - [How to Start a Pop-Up Shop Business [UK 2026 Guide]](https://anna.money/blog/guides/how-to-start-a-pop-up-shop-uk/): Explore how to start a pop-up shop in the UK with guidance on setup, legal steps, costs, marketing, and tips to connect with customers. - [How to Start a Plastering Business in the UK [2026 Edition]](https://anna.money/blog/guides/how-to-start-a-plastering-business/): Discover how to start a plastering business in the UK with expert tips on planning, pricing, legal steps, finding clients, and growing profitably. - [How to Start a Photography Business in the UK [2026 Guide]](https://anna.money/blog/guides/how-to-start-a-photography-business/): Learn how to start a photography business in the UK with expert tips on setup, pricing, marketing, legal steps and growing your client base. - [7 Tips to Start a Perfume Business [Step-by-step Guide]](https://anna.money/blog/guides/how-to-start-a-parfume-business/): Discover how to start a perfume business in the UK with guidance on branding, compliance, costs, and strategies to stand out in a competitive market. - [How to Start a Painting and Decorating Business In the UK [6 Applicable Steps]](https://anna.money/blog/guides/how-to-start-a-painting-and-decorating-business/): Discover how to start a painting and decorating business in the UK with expert tips on setup, pricing, tools, and winning your first clients. - [How to Start a Jewellery Business in the UK [Complete 2026 Guide]](https://anna.money/blog/guides/how-to-start-a-jewellery-business/): Explore how to start a jewellery business in the UK from finding your niche to setting up legally, building your brand and selling with confidence. - [How to Start a Heating & Air Conditioning Business: UK HVAC Guide](https://anna.money/blog/guides/how-to-start-a-heating-and-air-conditioning-business/): Explore how to start a heating and air conditioning business in the UK with practical tips on setup, certification, marketing, and compliance. - [How to Start a Gutter Cleaning Business [Beginner’s Guide]](https://anna.money/blog/guides/how-to-start-a-gutter-cleaning-business/): Learn how to start a gutter cleaning business in the UK with tips on setup, costs, tools, safety, and winning loyal local customers. - [How to Start a Gardening Business [Costs, Tools & Tips]](https://anna.money/blog/guides/how-to-start-a-gardening-business/): Discover how to start a gardening business with tips on setup, legal steps, pricing, tools, and finding clients to grow your services fast. - [How to Start a Fashion Business: From Idea to Launch Guide](https://anna.money/blog/guides/how-to-start-a-fashion-business/): Explore how to start a fashion business, find your niche, manage costs, attract customers, and turn your creative vision into a lasting brand. - [How to Start a Consulting Business in 2026: Actionable Guide](https://anna.money/blog/guides/how-to-start-a-consulting-business/): Discover how to start a consulting business, find clients, charge what you’re worth and grow without burnout or shouting to get noticed. - [How to Start a Coffee Shop in the UK? [Comprehensive Guide]](https://anna.money/blog/guides/how-to-start-a-coffee-shop-in-the-uk/): Learn how to start a coffee shop in the UK with insights on planning, legal steps, costs, customer trends, and tips to grow your café successfully. - [How to Start a Clothing Business [4 Step-by-step Tips]](https://anna.money/blog/guides/how-to-start-a-clothing-business/): Discover how to start a clothing business in the UK with tips on branding, sourcing, design, and selling that connect with today’s shoppers. - [How to Start a Catering Business in 2026 [Full Guide]](https://anna.money/blog/guides/how-to-start-a-catering-business/): Explore how to start a catering business from scratch and turn your passion for food into a flexible, rewarding career on your terms. - [How to Start a Carpet Cleaning Business in the UK [2026 Guide]](https://anna.money/blog/guides/how-to-start-a-carpet-cleaning-business/): Discover how to start a carpet cleaning business in the UK with practical steps on training, branding, marketing, and building your client base. - [How to Start a Care Agency in the UK: 7 Proven Steps](https://anna.money/blog/guides/how-to-start-a-care-agency/): Learn how to start a care agency in the UK with a clear, practical roadmap that covers setup, compliance, staffing, and sustainable growth. - [How to Start a Candle Business in 5 Steps [2026 Guide]](https://anna.money/blog/guides/how-to-start-a-candle-business/): Explore how to start a candle business in the UK with tips on branding, legal steps, supplies, and selling handmade candles customers will love. - [Want to Be the Next Cake Boss? What It Really Takes to Start a Cake Business in the UK](https://anna.money/blog/guides/how-to-start-a-cake-business/): Learn how to start a cake business in the UK and scale from home baking to a professional setup with the right tools, setup, and strategy. - [How to Register a Company in the UK as a Foreigner [Guide]](https://anna.money/blog/guides/how-to-register-a-company-in-uk-for-a-foreigner/): Discover how to register a company in the UK as a foreigner with clear steps on setup, taxes, banking, and compliance made simple for you. - [9 Tips On How to Become a Car Trader in 2026 [+Mistakes]](https://anna.money/blog/guides/how-to-become-a-car-trader/): Learn how to become a car trader in the UK with practical steps on setup, sourcing vehicles, staying compliant and growing a profitable business. - [How to Find Company Registration Number in UK? [Complete Guide]](https://anna.money/blog/guides/how-do-i-find-my-company-registration-number/): Explore what is a company number and how to find it across documents, emails, and official registers to stay compliant and run your business legally. - [A Guide To The Company Registration Number (CRN) In The UK](https://anna.money/blog/guides/company-registration-number-crn-in-the-uk-what-is-it/): If you’re setting up a new business and it’s your first time going through the UK’s company formation process it can feel a little daunting. You’re going to come across various terms you may not be familiar with, and ‘company registration number’ (or CRN) might be one of them. To put your mind at ease, we’ve created a brief guide to the use of the CRN in the UK. First off, let’s start by defining the term… - [What is a Company Limited by Guarantee? Complete UK Guide for 2026](https://anna.money/blog/guides/company-limited-by-guarantee/): Explore what is a company limited by guarantee and learn if this flexible, non-profit structure is the right fit for your organisation. - [What is the VAT Registration Threshold in the UK](https://anna.money/blog/guides/what-is-the-vat-registration-threshold-in-the-uk/): Not sure whether or not to register for VAT? Struggling with making sense of your VAT obligations? Here’s everything you need to know about VAT in the UK. - [A guide to Members' Voluntary Liquidation (MVL) in the UK 2025](https://anna.money/blog/guides/members-voluntary-liquidation-mvl/): All good things come to an end. And if the end is near for your company, you may wonder how to dissolve it in the cleanest, most cost-effective way. For many firms, the answer is Members Voluntary Liquidation. To explore this route further, we’ll break down what to expect from the process, which firms are eligible, and how it compares with alternative options. - [How to register as a sole trader in the UK](https://anna.money/blog/guides/register-as-a-sole-trader/): Dreaming of an escape from the 9–5? Want to work for yourself? It’s easier to set yourself up as a sole trader than to open a limited company, and it also offers more flexibility. Even so, the first steps can be daunting. This guide covers everything you need to know about registering as a sole trader in the UK, plus other crucial details like how much tax you’ll pay and which expenses you can claim. - [ANNA is the first business account in the UK offering integration into eBay](https://anna.money/blog/updates/anna-ebay-integration/): ANNA has thousands of eCommerce customers, and more than a quarter of them use eBay to sell their goods. We’ve got good news for our customers who use eBay – you can now connect your eBay account to ANNA. - [Our ‘Elf Initiative’ – how ANNA customers are making Christmas miracles happen](https://anna.money/blog/interviews/elf-initiative/): At ANNA we believe that small businesses help make Christmas happen. They bring the magic with creative gift ideas or fabulous food offerings; they’re forces for good in their communities, and think nothing of going the extra mile for their customers. They also work tirelessly (just like Santa’s elves!) to make festive wishes come true. So we wanted to shine a light on ANNA’s small business owners who are literally pulling all-nighters and performing the impossible to make Christmas magical for their customers. We like to call it our ‘Elf Initiative’ and we’re kicking it off by sharing three stories with you below. We’d love to know how your business is saving Christmas, so please do get in touch by dropping us a message on [Instagram](https://www.instagram.com/annamoneyuk/?hl=en-gb) to tell us your story. Maybe we’ll be able to share it! - [Tackling the Budget: How ANNA’s Getting Ready Behind the Scenes](https://anna.money/blog/guides/budget-2025-anna-getting-ready/): With rumours flying about what might change in the November Budget (and let’s be honest, we’re mostly thinking it’s tax rises), you might wonder how ANNA – a company that uses AI to help UK small businesses handle tax – is preparing. - [Meet Cat Curtis – Customer Experience/Retention & Reaction agent at ANNA](https://anna.money/blog/interviews/cat-curtis-cx-retention-reaction-agent-at-anna/): We sat down for a chat with customer experience agent Cat, who works closely with ANNA customers through chat and on the phone, Cat is also our in-house mental health and wellbeing officer. - [Gillian Lavery, Customer Experience and Partnerships Agent at ANNA](https://anna.money/blog/interviews/gillian-lavery-customer-experience-and-partnerships/): Meet Gillian, one of ANNA’s amazing customer experience agents. No, she doesn’t have a cat but she’s a fantastic cat sitter, which makes her an unsung hero. - [Meet Jamie Wynn, product designer at ANNA CX development team](https://anna.money/blog/interviews/jamie-wynn-product-designer-at-anna-cx-development/): We sat down for a chat with product designer Jamie, who works on the tools our customer experience agents use to communicate with ANNA customers. Jamie loves travel and dogs (he’s not so keen on cats, but we’ll forgive him). - [Maximise your business cash back with ANNA – get up to 35% back on hotels](https://anna.money/blog/updates/maximise-your-business-cash-back-with-anna/): With your new ANNA card it’s simple and easy to book business travel through Final Price and get cashback at the same time. We’ll walk you through the process, but first of all we thought we’d look at how travel expenses work. - [Shopify vs WooCommerce](https://anna.money/blog/guides/shopify-vs-woocommerce/): When small businesses first dip their toes into the world of online selling, they often use [Shopify](https://www.shopify.com/uk) or [WooCommerce](https://woocommerce.com/) as a platform. So we’re going to take a look at the pros and cons of both services and ask which platform might be best for you. - [Introducing Bookkeeping Score](https://anna.money/blog/updates/introducing-bookkeeping-score/): Want to make sure your books are always tidy? ANNA’s new Bookkeeping Score feature means you never have to stress. - [Why SMEs need to Talk Money](https://anna.money/blog/updates/why-smes-need-to-talk-money/): We’re proud to be backing #TalkMoney Week (6-10 Nov), which aims to get us all talking more about our thoughts and feelings around money, and how and where to get help if and when you need it. - [What are BIC and SWIFT Codes in Banking?](https://anna.money/blog/guides/what-are-swift-bic-codes/): When dealing with international transactions, it's common to encounter terms like BIC and SWIFT codes. But exactly what are BIC and SWIFT codes in banking, and are they different? These unique identifiers play a crucial role for any business working with international transactions. They ensure that money is securely and accurately transferred and minimise the risk for both the business and its customers. Let’s explore these terms in more detail. - [9 last-minute tips to prep your small business for Christmas](https://anna.money/blog/guides/nine-last-minute-tips-to-prep-your-small-business-for-christmas/): You can take your foot off the gas and still run a business over Christmas - it just needs a bit of preparation. Here are nine last-minute tips to get your business ready, make the most of the downtime and come back ready to take on January with gusto. - [Bridging Physics and Fintech: My Data Science Internship at ANNA by Carolina Bernardes](https://anna.money/blog/interviews/bridging-physics-and-fintech-data-science-internship-at-anna-by-carolina-bernardes/): We asked ANNA intern Carolina to talk about her time at ANNA. - [Should I register for MTD Income Tax Self Assessment](https://anna.money/blog/guides/should-i-register-for-mtd-income-tax-self-sssessment/): Making Tax Digital for Income Tax Self Assessment (or MTD ITSA, to use HMRC’s catchy abbreviation) is the next big step in the UK’s move towards a fully digital tax system. At the moment if you’re self-employed you have to file a Self Assessment tax return once a year. MTD is going to change that: you’ll have to provide HMRC with updates four times a year, as well as a Final Declaration. - [Making Tax Digital (MTD) for VAT Phase 2](https://anna.money/blog/guides/making-tax-digital-for-vat-phase-2/): Answers to some popular questions about the state of Making Tax Digital for VAT as of 2021. - [Spot Potential Fraud: Avoid Money and Bank Transfer Scams](https://anna.money/blog/guides/how-to-spot-potential-fraud-and-scams/): Your ANNA Money account comes with security measures that help protect your money. But it’s still worth knowing how to stop yourself from becoming a victim of fraud. In this blog post we’re going to look specifically at ‘bank transfer scams’ and how ANNA customers can avoid them. - [11 businesses that were born in a shed](https://anna.money/blog/guides/11-businesses-that-were-born-in-a-shed/): Workspace feeling a little cramped? You’re in good company - many of the world’s most successful businesses had humble beginnings in someone’s shed, garage or bedroom. Here are 11 that grew to hit the big time. - [The 2024/2025 Tax Calendar for LTDs](https://anna.money/blog/guides/2024-2025-tax-calendar-for-ltds/): Sometimes it can feel like the dates and rules affecting UK businesses change every year – and it can be hard to keep up. That’s why we’ve put together this handy tax calendar for the changes affecting small businesses in the 2024/2025 tax year. - [The 5 scarily sophisticated scams targeting SMEs right now](https://anna.money/blog/guides/5-scams-targeting-smes-right-now/): Scam calls, texts and emails are increasing across the banking and fintech industry, and sadly the criminals behind these scams are getting ever more persuasive and sophisticated. Many of the latest scams focus on convincing the business owners themselves to send the cash directly to the criminals. While you may think that you wouldn’t get conned, the scenarios are so slick it’s as if the criminals behind them had trained in acting at RADA, picked up tech tips at MIT and combed the script of Mission Impossible for outlandish plans. We want to make as many business owners as possible aware of the specific ploys being used by fraudsters right now. So, if you find yourself in any of the following situations alarm bells should ring… - [7 ways our team business debit cards can help you share the load](https://anna.money/blog/guides/7-ways-our-team-business-debit-cards-can-help-you-share/): In tricky times like these, most people are struggling to maintain business as usual. The last thing anyone needs right now is a load of expenses faff. As a small business owner, it can feel like everything falls on your shoulders – but issuing team debit cards can provide the perfect alternative to prepaid cards for business expenses. - [140 Accounting Business Names for Inspiration in 2026](https://anna.money/blog/guides/accounting-business-names/): Explore accounting business names that help you stand out, attract the right clients, and reflect clarity, professionalism, and growth. - [What is Payroll? Managing employee payments in the UK](https://anna.money/blog/guides/what-is-payroll-and-how-to-pay-employees/): So you’re a growing business and you want to bring in employees – how exactly do you pay them? Well, as a business, you’re responsible for paying your employees according to the laws covering employment and tax; and payroll plays a big role in this process, helping you to calculate what you have to pay and how you report it to [HMRC](https://www.gov.uk/paye-for-employers). In this blog post, we’ll cover how to set up your payroll, the key legislation, and some of the mistakes to be aware of. - [New in ANNA – Set up payroll payment](https://anna.money/blog/updates/new-in-anna-set-up-payroll-payment/): Payroll payments are easy with [ANNA Payroll software](https://anna.money/plus-taxes/payroll/). If you have a payroll payments file (either in Xero or on your desktop) you can import it into ANNA and we’ll create a bulk payment – so you can send multiple payments to your employees in a tap. - [The Best Small Business Accounting Software In the UK (2025)](https://anna.money/blog/guides/best-accounting-software-for-small-business/): For lots of small businesses across the UK, accounting isn’t just about following the rules and staying compliant, it’s the basis for good decision-making, cash flow control and making sure you submit your tax on time. So it’s not just about your legal obligations, it’s about making the most of your business finances. - [How to Change from Sole Trader to Limited Company [10 Steps]](https://anna.money/blog/guides/sole-trader-to-limited-company/): Explore how to change from sole trader to limited company with clear steps on setup, tax, legal duties and making the switch smoothly. - [What is IR35? Explained Rules and Legislation for Off-Payroll Working](https://anna.money/blog/guides/what-is-ir35-and-how-does-it-affect-you/): IR35 legislation affects any business that uses off-payroll working (that means workers at a company who aren’t on PAYE). IR35 off-payroll working rules were implemented for medium and large private sector businesses in April 2021, and have undergone several updates since then, with the most recent changes effective from April 2025. - [Can Sole Traders Have Employees? [Rules Explained]](https://anna.money/blog/guides/can-sole-traders-have-employees/): Learn if sole traders can have employees and discover how to hire staff, manage payroll, and meet your legal obligations with confidence. - [What Every International Student Should Know Before Starting a UK Business [Explained]](https://anna.money/blog/guides/can-international-students-start-a-business-in-uk/): Discover can international students start a business in the UK and explore the visa rules, restrictions and legal pathways to launch your startup. - [140 Car Detailing Business Names to Drive Success in 2026](https://anna.money/blog/guides/car-detailing-business-names/): Discover car detailing business names that help you stand out, attract loyal customers, and build a brand that reflects the quality of your service. - [Guide to claiming tax relief on fuel](https://anna.money/blog/guides/claiming-tax-relief-on-your-personal-motor/): When you use your own car for business trips, you can claim some tax relief on the amount of fuel used. You can claim fuel expenses as a limited company through your corporation tax return, as a sole trader and self-employed individual through your Income Tax Self Assessment return and if you’re VAT registered, you can also claim back some VAT! This guide will take you through the different methods that HMRC allows a business to claim these types of expenses. - [How to Apply for More Time to File Your Company Accounts [+Pro Tips]](https://anna.money/blog/guides/companies-house-extension/): Explore how a Companies House extension can ease deadline pressure, protect your business from penalties, and give you time to file smoothly. - [Companies House Penalties: Everything You Need to Know](https://anna.money/blog/guides/companies-house-penalties/): Learn how to avoid Companies House penalties by staying compliant, meeting all your filing deadlines, and keeping accurate business records. - [How to register for Corporation Tax in UK? [Step-by-step Guide]](https://anna.money/blog/guides/corporation-tax-and-your-new-limited-company/): Congratulations, you have registered your new limited business on Companies House! The next step is registering for the Corporation Tax. - [Do you have to pay tax on clothes sold on Vinted, Depop or eBay?](https://anna.money/blog/guides/do-you-have-to-pay-tax-on-clothes-sold-on-vinted-depop/): The taxman is coming for online sellers who use marketplaces like Vinted, Depop, eBay and Etsy. So what do the new rules mean for you? - [Top 240 Dropshipping Business Names to Boost Your Sales](https://anna.money/blog/guides/dropshipping-business-names/): Discover dropshipping business names that help you stand out, build trust, attract buyers, and create a memorable store brand for growth. - [130+ Creative eCommerce Business Name Ideas [2026 Examples]](https://anna.money/blog/guides/ecommerce-business-name-ideas/): Explore eCommerce business name ideas that spark creativity and help you choose a memorable brand your customers will instantly connect with. - [250 Graphic Design Business Names That Stand Out Online](https://anna.money/blog/guides/graphic-design-business-names/): Discover graphic design business names to inspire a memorable brand that reflects your style, attracts clients, and stands out in a creative market. - [How do you calculate working from home expenses for tax?](https://anna.money/blog/guides/how-do-you-calculate-working-from-home-expenses/): One of the many benefits of working from home is that you can claim some of your household costs back as expenses. Working out how much you can claim can be a bit tricky, but it’ll save your business money in the long run. Here’s a simple guide to calculating your home office expenses – grab your calculator and dive in! 2024 Update: if you're a sole trader, you can now use our own [Work From Home Expense Calculator](https://anna.money/free-tools/work-from-home-expenses-calculator/) – completely free, no sign up required. - [How much should I put aside to pay my tax bill?](https://anna.money/blog/guides/how-much-to-put-aside-to-pay-my-tax-bill/): So you’re following your dreams and are embarking on an exciting new career as a freelancer or a sole trader. Great! Now comes the tricky bit - how much should you be saving every month to pay your tax bill? - [How to Change Company Shares on Companies House [Step-by-Step Guide]](https://anna.money/blog/guides/how-to-change-shares-on-companies-house/): Explore how to change shares on Companies House with clear steps for transfers, allotments, resolutions, and compliance to avoid costly mistakes. - [How to Get Proof of Address: Easy Ways Explained [2026 Guide]](https://anna.money/blog/guides/how-to-get-proof-of-address/): Discover how to get proof of address quickly and legally to keep your business compliant and ready for banking or registration needs. - [How to open a Barclays Business Account](https://anna.money/blog/guides/how-to-open-a-barclays-business-account/): When you start a new business, it’s always best to open a separate business account. If you’re operating as a sole trader, a separate business account is useful for keeping your business and personal finances separate. If you’re operating as a Limited company, a separate business account is actually a legal obligation; you can’t keep your business funds in your personal account. - [How to Open Bank of Scotland Business Account](https://anna.money/blog/guides/how-to-open-bank-of-scotland-business-account/): Scotland’s oldest bank, Bank of Scotland has been operating for over 320 years, and is also partnered with Lloyds and Halifax banks – which means there are more locations where you can manage your money when you open a Bank of Scotland business account. Currently, Bank of Scotland is keeping things simple by offering just one main type of business bank account. - [How to open Co-operative business account](https://anna.money/blog/guides/how-to-open-co-operative-business-account/): Touted as "the original ethical bank", The Co-operative started life back in 1872, when it was founded in an effort to change the status quo by paying fair wages and supporting the local community. Since then, The Co-op has sustained its ethical stance: over 30 years ago, it was the first UK high-street bank to launch a customer-led Ethical Policy, which ensures its money doesn’t go towards supporting oppressive regimes and fossil-fuel extraction, among other notable concerns. - [How to Open a Countingup Business Account](https://anna.money/blog/guides/how-to-open-countingup-business-account/): Aiming to offer a multi-tasking alternative to traditional banks, Countingup offers an online business account that allows small businesses to handle their money, bookkeeping, accounting and tax responsibilities all in one app. Based in London, Countingup was founded in 2017 by a team of industry experts including former Clearbrooks CEO Tim Fouracre, who wanted to free self-employed workers from having to wade through mountains of paperwork. - [How to Open Metro Bank Business Account](https://anna.money/blog/guides/how-to-open-metro-bank-business-account/): A relative newcomer to the banking scene, Metro launched in 2010, making it the first high street bank to open in the UK in over 100 years. With a focus on customer relations, Metro positions itself as a ‘financial partner’ rather than simply a place to store money. Although there are currently only 76 branches of Metro across England and Wales – and none in Northern Ireland or Scotland – the bank has plans to expand, and currently handles 3m customer accounts. - [How to open a Revolut Business account](https://anna.money/blog/guides/how-to-open-revolut-business-account/): Has Revolut caught your attention for its modern look and cost-effective international transfers? Here’s how to open a Revolut business account. - [How to open Starling Business Account online](https://anna.money/blog/guides/how-to-open-starling-business-account/): Starling is a relative newcomer on the banking scene, having been established in 2014 as one of Britain’s leading digital banks. Like its feathery namesake, Starling is smaller than the established, traditional UK banks (the eagles of banking, if you will), but its digital-only model is currently used by over 450,000 businesses. - [How to Open a SumUp Business Account](https://anna.money/blog/guides/how-to-open-sumup-business-account/): Designed for small businesses – especially those that take orders and physical payments, such as coffee shops, market stalls and retailers – SumUp’s USP is its tried-and-tested point-of-sale hardware and software. Having grown from offering a single card reader, SumUp now offers a range of readers and payment solutions and, since 2021, a business bank account – today, over 4 million businesses use its various services. - [How to Open a Tide Business Account Online](https://anna.money/blog/guides/how-to-open-tide-business-account-online/): Tide is one of the UK’s newer business account providers when it comes to managing money as a business, but is the “tide” actually turning? (sorry, we couldn’t resist the pun). It already serves around 10% of the UK’s SMEs, with tools for everyone from freelancers to more established firms. In this review, we’ll run through the types of accounts available, the pros and cons, fees, and how Tide compares with other business account providers. - [How to open TSB business account online](https://anna.money/blog/guides/how-to-open-tsb-business-account/): TSB’s history stretches back 200 years, so it knows a thing or two about supporting businesses and their money. With more than 5 million customers, it’s one of UK banking’s big-hitters – although it’s currently in the process of being bought out by its rival [Santander](https://anna.money/blog/guides/how-to-open-santander-business-account/), with a deal expected to go through in early 2026. TSB currently offers one main type of business account, although it’s currently only open to existing customers (unlike an ANNA business account, which is open to almost anyone who likes the cut of our jib). - [How to Open Virgin Money Business Account](https://anna.money/blog/guides/how-to-open-virgin-money-business-account/): Having conquered the worlds of holidays, entertainment, gyms and mobile phones, in 1995 the Virgin group launched Virgin Money UK, a service-first bank that offers a range of current and business accounts. In October 2014, Virgin Money was taken over by Nationwide, but its 91 branches across England and Scotland will remain open until at least 2028, under their new owner’s ‘Branch Promise’. - [How to Open Wise Business Account](https://anna.money/blog/guides/how-to-open-wise-business-account/): Wise - it used to be called Transferwise - was set up in 2011 to simplify international money transfers. Since then it’s expanded into banking, and if you’re a company expecting to do lots of international business, their business account could be a wise (apologies for the pun) choice. - [How to organise your receipts for taxes](https://anna.money/blog/guides/how-to-organise-your-receipts-for-taxes/): Receipts. You find them here, you find them there, you find them everywhere: in the glove compartment, the washing machine, in your passport/Kindle/iPad case. And the big ones (like that round of drinks you bought for the team) will always pull an escape act from your wallet. Get organised and never lose a receipt again with our quick tips. - [How to plan your budget as a small business](https://anna.money/blog/guides/how-to-plan-your-budget-as-a-small-business/): When you start your own business there are lots of things you’ll need to consider, from marketing and admin to insurance and raw materials. But there’s one thing that you’ll need to be on top of from the very beginning – your business budget. Want to create a healthy, long-term business? You’ll need to start with an accurate and detailed budget. But how exactly do you put together a budget for your small business? We chatted to our friend Laura Stacey, an FCCA qualified accountant with 20 years of experience, and put together these handy budget-building tips. - [Going global with ANNA: introducing currency accounts](https://anna.money/blog/updates/introducing-currency-accounts/): Running a business today often means thinking beyond borders – maybe you buy supplies from Europe, sell to customers in the US, or work with freelancers around the world. But juggling payments in different currencies can quickly get complicated. That’s why we’re pleased to introduce ANNA’s new currency accounts, designed to help small businesses trade beyond the UK. - [Can I Start a Business on a PSW Visa in the UK? Key Rules](https://anna.money/blog/guides/can-i-start-a-business-on-psw-visa-in-uk/): Learn if you can start a business on a PSW visa in the UK and how to work legally, manage taxes, and build your future as a graduate entrepreneur. - [How to Start a Petrol Station Business in the UK [Guide]](https://anna.money/blog/guides/how-to-start-a-petrol-station-business-in-uk/): Discover how to start a petrol station business in the UK and build a profitable forecourt that serves drivers, grows steadily & supports your goals. - [How to Start a Self-Employed Business in the UK [Guide]](https://anna.money/blog/guides/how-to-start-a-self-employed-business-in-uk/): Learn how to start a self-employed business in the UK with simple steps that help you register, stay compliant, and grow with confidence. - [Greggs, McDonalds, Sainsbury’s – how to survive a payment system outage](https://anna.money/blog/guides/how-to-survive-a-payment-system-outage/): This week some of the UK’s best-known high street stores – Sainsbury’s, McDonalds and Greggs – have all had technical problems with card payments that meant they had to temporarily stop trading. - [How will the government help freelancers? The ANNA guide.](https://anna.money/blog/guides/how-will-the-government-help-freelancers-the-anna-guide/): The Coronavirus pandemic has made life very difficult for freelancers and sole traders – but the government is stepping in with the Coronavirus (Covid-19) Self-employment Income Support Scheme to help you out. ANNA is showing you what’s on offer, and what you need to do next. - [100+ Interior Design Business Name Ideas for Inspiration in 2026](https://anna.money/blog/guides/interior-design-business-name-ideas/): Explore the best interior design business name ideas to reflect your style, attract the right clients, and build a brand that grows with you. - [60 Interior Design Business Names: Unique Ideas and Examples](https://anna.money/blog/guides/interior-design-business-names/): Discover inspiring interior design business names that spark creativity and guide you to a brand identity that resonates with clients. - [Making Tax Digital for Income Tax: A Complete Guide](https://anna.money/blog/guides/making-tax-digital-for-income-tax/): For some years HM Revenue & Customs (HMRC) has been working on modernising the UK tax system and dragging it into the 21st century. The Making Tax Digital (MTD) programme was proposed by then-chancellor George Obsorn in 2015 and first introduced in 2019 for VAT-registered businesses. There have been some delays and hiccups along the way, but it’s now very much happening. - [Open a business bank account remotely while everything is on lockdown](https://anna.money/blog/guides/open-a-business-bank-account-remotely/): In the new age of social distancing, self-isolation and generally nearly everything being shut (we miss you, McDonalds breakfast), the ability to get things sorted online is priceless vital. And that includes your bank. So if you’re looking to open a business account remotely in the UK, say hello to ANNA. - [How Much Should I Pay Myself: A Complete Guide for Business Owners](https://anna.money/blog/guides/payroll-how-much-should-i-pay-myself/): Running your own business comes with lots of benefits. One of them is that you can reduce the amount of tax you owe HMRC by paying yourself in a combination of salary and dividends. Salary and income both come with their own rates of tax, and if you can work the right combination, you can reduce how much tax you have to pay. - [PSC02 Form Explained: People with Significant Control](https://anna.money/blog/guides/psc02/): Discover how to understand and file the PSC02 form so you stay compliant, avoid penalties, and keep your company records accurate and transparent. - [How to register a business in the UK [The Comprehensive Guide]](https://anna.money/blog/guides/register-a-business/): All the steps you need to take in order to register and start doing business in the UK. - [7 Benefits of Registering Your Company Online in the UK [+How to Do It Fast]](https://anna.money/blog/guides/register-a-company-in-uk-online/): Explore the benefits of registering your company online in the UK and learn how to simplify setup, boost credibility, and access key tax advantages. - [What is a registered Office Address? [Comprehensive Guide]](https://anna.money/blog/guides/registered-office-address/): Learn what is a registered office address, why it matters, how to choose one, and what rules you must follow to stay compliant and protect privacy. - [100 Retail Business Names to Inspire You: Trends and Tips](https://anna.money/blog/guides/retail-business-names/): Explore retail business names to find a catchy, memorable brand that reflects your style, attracts customers, and stands out in a crowded market. - [RP07 Form Companies House: What It Is & How to File](https://anna.money/blog/guides/rp07-form/): Discover how to use the RP07 form to remove an unauthorised company address and protect your property and business reputation easily. - [Salary and dividends – what’s the difference?](https://anna.money/blog/guides/salary-and-dividends-whats-the-difference/): As a company director, you may want to think about the most tax efficient way to pay yourself income from your business. You have the option to pay yourself a salary or pay yourself in dividends. But what difference does it make to your tax? Well, each type of income attracts a different rate of tax, which influences the amount of tax you are required to pay to HMRC. By considering how best to pay yourself and how much, you can save on the tax you end up paying. - [Company Registry Scam Letter: How Can You Prevent Scams?](https://anna.money/blog/guides/scams-targeting-newly-formed-companies/): Avoid falling for fake company registry letters. Learn how to spot a company registry scam and protect your business with these essential prevention tips. - [Switching Visas to Start a Business in the UK: What to Know?](https://anna.money/blog/guides/switching-visas-to-start-a-business-in-the-uk/): Learn what you need to know about switching visas to start a business in the UK and understand the routes that help you launch legally. - [The hospitality new VAT rate is now 12.5%](https://anna.money/blog/guides/the-hospitality-new-vat-rate-is-now-12-5/): After a period in which the UK VAT rate was just 5% for certain industries, it’s now been raised to 12.5%. We explain what’s happening and why. - [140 Therapy Business Names: How to Name Your Private Practice](https://anna.money/blog/guides/therapy-business-names/): Explore therapy business names that help attract the right clients, build trust, and create a calm, professional brand that reflects your approach. - [Tide Company Formation: Overview, Key Features & Alternative](https://anna.money/blog/guides/tide-company-formation-review/): Explore Tide Company Formations review to see if this fast, all-in-one digital solution is right for your business setup and banking needs. - [140 Creative Tutoring Business Names [Ideas & Examples]](https://anna.money/blog/guides/tutoring-business-names/): Explore creative tutoring business names that help you stand out with clear trends, fresh ideas, and practical guidance to build a memorable brand. - [UK Bank Holidays 2025/26 – Everything You Need to Know](https://anna.money/blog/guides/uk-bank-holidays-2025/): Discover when UK bank holidays 2025 fall, how they affect your pay, time off, and benefits, and what they really mean for your year ahead. - [What is a BACS Payment?](https://anna.money/blog/guides/what-is-a-bacs-payment/): When you have a personal bank account, you may be able to get away with clicking “send payment” without knowing the ins and outs of each payment type. But with a [business account](https://anna.money/business-account/), that’s no longer a viable option. If BACS payments have stumped you, this guide has you covered. We’ll explore the different types of BACS payments, the processing times, how they compare to other payments. - [What is a CHAPS payment?](https://anna.money/blog/guides/what-is-a-chaps-payment/): In the world of payments, speed is a top priority for many businesses. CHAPS payments are one of the most popular options for facilitating fast transfers, but it’s easy to get them mixed up with other payment types, such as BACS or Faster Payments. - [Cost of Goods Sold (COGS) – What It Is & How to Calculate](https://anna.money/blog/guides/what-is-cost-of-goods-sold-cogs/): Learn about the cost of goods sold (COGS), how to calculate it, and what it means for businesses. Including different accounting methods. - [What is income tax?](https://anna.money/blog/guides/what-is-income-tax/): Income tax is one of the most common taxes in the UK, is the largest source of revenue for the UK government and almost all of us will end up paying it – but what exactly is it? - [Why SMEs should consider EMI share schemes](https://anna.money/blog/guides/why-smes-should-consider-emi-share-schemes/): It’s estimated that just 14,000 small to medium businesses have EMI schemes (Enterprise Management Incentives) in place right now. With our partner Vestd, we go into detail about why setting up a share scheme with a focus on EMI could be the transformative strategy that propels your business towards unparalleled success. **This post was written by our partners at Vestd** - [Why your business card should stand out (but not like these weird examples)](https://anna.money/blog/guides/why-your-business-card-should-stand-out/): The subtle pageantry of the card exchange carries a raft of associations in 2020. In an era when most meetings are arranged over email, giving or receiving a card is more about punctuating the get-together than handing over your contact details for the first time. But in the digital world, proffering a tangible reminder of who you are and what your business does is more important than ever. - [6 Best Your Company Formations Alternatives: 2026 Comparison](https://anna.money/blog/guides/your-company-formations-alternatives/): Explore the best Your Company Formations alternatives to help you register faster, save money, and choose the right platform to run your business. - [Your Inbox Isn’t a CRM (But We Get Why You Pretend It Is)](https://anna.money/blog/guides/your-inbox-isnt-a-crm/): Small businesses use email a lot, and it can feel like the best way to stay organised – but it can quickly descend into chaos. This guest blog from our partners at Lucro explores the alternatives, such as CRM (and no, it’s not as scary as it sounds). - [Your ANNA Payment Link just got even better](https://anna.money/blog/updates/your-anna-payment-link-just-got-even-better/): We are constantly looking to improve our features and after chatting to our clients, we’ve made some additions to the [Payment Link](https://anna.money/business-account/payment-link/) we think you’ll like. - [What is Open Banking and why is ANNA’s approach to it so good?](https://anna.money/blog/updates/what-is-open-banking-and-why-is-annas-approach-to-it-so-good/): Open Banking is an initiative whereby open APIs enable third-party developers to build applications and services around financial institutions. It’s resulted in greater financial transparency for account holders. Now the biggest UK banks allow licensed operators direct access to their data right down to account transactions. - [Put money to one side with Pots](https://anna.money/blog/updates/put-money-to-one-side-with-pots/): You’ve asked for them, and now [Pots](https://anna.money/business-account/money-pots/) are finally here! You can now put money aside for legal things like Tax or VAT, or the things that you need for your business – like a new van or new equipment (or even your Christmas party). - [How to connect your Zettle by PayPal Account to ANNA](https://anna.money/blog/updates/how-to-connect-your-zettle-account-to-anna/): Good news for ANNA customers who use Zettle by PayPal to process payments. We’ve just made your VAT Return a little bit easier to complete and submit. You can now connect your Zettle account directly to ANNA to import your sales, fees and balance. It’s quick and easy. - [Get paid 3x quicker with our updated invoice generator](https://anna.money/blog/updates/get-paid-3x-quicker-with-our-updated-invoice-generator/): Here’s some good news: we’ve just added an update to our [free invoice generator](https://anna.money/free-tools/invoice-generator/) which will help you get paid even faster. So now you can create professional-looking invoices for your business in seconds – and get them paid just as speedily. Fasten your seatbelts, and we’ll show you how it’s done. Hint: it involves QR codes. - [Business account with ANNA, from Direct Debit to Instant Virtual Cards](https://anna.money/blog/updates/banking-with-anna-from-direct-debit-to-virtual-cards/): ANNA is a financial assistant for your business. As soon as you sign up for ANNA, we can help you complete all your financial tasks for your business, whether it’s ordering multiple debit cards or connecting other bank accounts to ANNA – our chat assistant and support team do it for you. Here we take a whistle-stop tour of business account features in ANNA that help you focus more on your business and less on pesky financial admin. - [Direct debits are live on all accounts](https://anna.money/blog/updates/direct-debits-are-live-on-all-accounts/): We’re pleased to announce that the Direct Debits on all ANNA Money business accounts are now operational. - [How to Start a Homecare Business Franchise in the UK [Guide]](https://anna.money/blog/guides/how-to-start-a-homecare-business-franchise-in-the-uk/): Learn how to start a homecare business franchise in the UK and build a caring, compliant venture that serves families and grows with you. - [100+ Powerful Life Coaching Business Names to Inspire You](https://anna.money/blog/guides/life-coaching-business-names/): Explore powerful life coaching business ideas to help you choose a name that fits your niche, attracts the right clients, and grows with you. - [Meet Andrei Smirnov, Head of AI](https://anna.money/blog/interviews/andrei-smirnov-head-of-ai/): Behind every receipt ANNA matches and every tax nudge you get, there's Andrei Smirnov. As our Head of AI, he's the reason ANNA gets smarter – and the first to admit when it doesn't. We sat down with him to talk about where AI is headed, why humans are harder to fix than models, and what a self-running business might actually look like. - [P11D form: what it is and how to submit it to HMRC](https://anna.money/blog/guides/what-is-p11d-form/): If your business provides employees or directors with benefits outside their salary – like a company car, private medical cover or a cheap loan – you almost certainly need to deal with the P11D form. It catches out small employers every year: late filing, missing benefits, or simply not knowing what to declare. - [How to Open a Zempler Bank Business Account](https://anna.money/blog/guides/how-to-open-zempler-bank-business-account/): Until recently known as Cashplus, Zempler Bank is a fully regulated British bank with a focus on supporting microbusinesses with online tools such as account software integration and invoice creation. So far, Zempler Bank has helped over 650,000 businesses to get off the ground, using smart technology to support freelancers, sole traders and SMEs on their journey. Inspired by CEO and founder Rich Wagner’s experience of being rejected by high street banks in the UK, Zempler’s MO is all about keeping things simple. - [ANNA becomes the first UK provider to let an AI register a business, end-to-end](https://anna.money/blog/updates/first-ai-agent-business-registration/): With agentic AI tipped to be the next big leap in technology, ANNA just made a giant stride: we’ve officially proven that a Large Language Model (LLM) agent – the same kind of tech behind today’s cleverest chatbots – can successfully register a UK business on its own. That includes everything. Full authorisation. Identity verification. Payment. The works. - [ANNA is now an official identity checker for Companies House](https://anna.money/blog/updates/anna-is-acsp/): Big news: ANNA Money is now an official Authorised Corporate Service Provider (ACSP) – which means we’re approved by Companies House to carry out identity checks for anyone setting up a UK company. It’s a serious nod of trust in our company formations service, and great news for anyone looking to start a business the smart (and legal) way. - [ANNA named in Bloomberg's top 25 startups to watch](https://anna.money/blog/updates/anna-in-bloomberg-top-25-startups-to-watch/): We're thrilled to announce that ANNA has been named in Bloomberg's top 25 startups to watch for the year. It marks another proud step on the ANNA journey - [Making Tax Digital for the Self-Employed: A Complete Guide](https://anna.money/blog/guides/making-tax-digital-self-employed/): Learn what you need to know about Making Tax Digital for self-employed and how you can stay compliant, manage records, and simplify tax reporting. - [ANNA Money is now officially recognised by HMRC for Making Tax Digital](https://anna.money/blog/updates/anna-money-is-now-officially-recognised-by-hmrc-for-making-tax-digital/): Big news: As of now, ANNA is officially recognised by HMRC as compatible software for Making Tax Digital for Income Tax Self Assessment (MTD for ITSA). - [Business vs personal bank account: what’s best for me?](https://anna.money/blog/guides/business-vs-personal-account-whats-best-for-me/): When you’re starting up a business, it might be tempting not to bother with a separate business bank account. It’s one more thing to set up, and you just want to get on and start trading right? But splitting your business and personal finances can save you a whole lot of time and hassle in the long run - not to mention a few quid off your tax bill. Here’s a few reasons why. - [Do I need a business account to sell on Amazon?](https://anna.money/blog/guides/business-account-to-sell-on-amazon/): It's estimated that between 5%–10% of eCommerce businesses use a personal account when selling on platforms like Amazon. So you may be wondering – do I actually need a business account to sell on Amazon? - [Virtual Office Address for Your Business: What You Need to Know](https://anna.money/blog/guides/virtual-offices-what-to-know-before-you-choose-an-address/): Learn how a virtual address can boost your credibility, its benefits, and what to look for to choose the best virtual office address for your business. - [Raising a dispute about a payment](https://anna.money/blog/guides/raising-a-dispute-about-a-payment/): What you can do when you don’t recognise a transaction on your ANNA account, or need to report a suspicious transaction. - [Making Tax Digital Costs: What Will MTD Cost You? [Breakdown]](https://anna.money/blog/guides/making-tax-digital-costs/): Learn what Making Tax Digital will cost you and how you can manage expenses, choose tools wisely & stay compliant while keeping costs under control. - [9 Features to Look for When Choosing MTD Software [+Steps]](https://anna.money/blog/guides/choosing-mtd-software/): Discover what to look for when choosing MTD software and learn how you can simplify tax reporting, automate tasks, and stay compliant with ease. - [The 7 Benefits of Making Tax Digital for Income Tax](https://anna.money/blog/guides/benefits-of-making-tax-digital/): Explore the benefits of Making Tax Digital and learn how you can improve accuracy, stay organised, and manage your taxes more efficiently. - [The Only Making Tax Digital Checklist You Need in 2026](https://anna.money/blog/guides/making-tax-digital-checklist/): Discover the Making Tax Digital checklist and learn how you can stay compliant, organise your records, and manage your tax reporting with confidence. - [Making Tax Digital for Limited Companies: A Guide for 2026](https://anna.money/blog/guides/making-tax-digital-for-limited-companies/): Learn what you need to know about Making Tax Digital for limited companies and how you can stay compliant and manage taxes digitally. - [How to Sign Up for Making Tax Digital [A Detailed Guide]](https://anna.money/blog/guides/sign-up-for-making-tax-digital/): Discover how to sign up for Making Tax Digital and learn how you can prepare, stay compliant, and manage your tax reporting with ease. - [Making Tax Digital for Freelancers [Complete 2026 Guide]](https://anna.money/blog/guides/making-tax-digital-freelancers/): Explore what you need to know about Making Tax Digital for freelancers and learn how you can stay compliant and simplify your tax reporting. - [Can You Use Excel for Making Tax Digital Spreadsheets?](https://anna.money/blog/guides/making-tax-digital-spreadsheets/): Discover if you can use Excel for Making Tax Digital spreadsheets and learn how you can stay compliant while managing records and submissions. - [What Does Making Tax Digital Mean for Accountants?](https://anna.money/blog/guides/what-making-tax-digital-means-for-accountants/): Learn what Making Tax Digital means for accountants and how you can adapt workflows, improve efficiency, and deliver more value to your clients. - [Making Tax Digital for Childminders: Requirements & Setup](https://anna.money/blog/guides/making-tax-digital-for-childminders/): Explore what you need to know about Making Tax Digital for childminders and learn how you can stay compliant and manage your records with ease. - [Offshore Company Registration in the UK [2026 Guide]](https://anna.money/blog/guides/offshore-company-registration-uk/): Learn everything you need to know about offshore company registration in the UK and understand the steps, rules, and taxes you need to stay compliant. - [7 Ways to Tackle Unpaid Invoices and Get Paid on Time](https://anna.money/blog/guides/7-ways-to-get-paid-on-time-without-having-to-beg/): Unpaid invoices are one of the biggest frustrations for freelancers, contractors, and small business owners. Chasing overdue payments is time-consuming, awkward – and all too common. Whether you're self-employed and dealing with a freelance unpaid invoice, or running a small business trying to recover what you're owed, the good news is there are practical steps you can take. Here are 7 proven ways to handle unpaid invoices and get paid on time. - [Top 41 Small Business Ideas in the UK [2026 Ultimate List]](https://anna.money/blog/guides/best-small-business-ideas/): Explore the best small business ideas in the UK and learn how to turn your passion into profit with low startup costs and big growth potential. - [37 Easy Businesses to Start With Low Investment [2026 Ideas]](https://anna.money/blog/guides/easy-businesses-to-start/): Explore easy businesses to start with low investment and high potential so you can launch something flexible, profitable, and truly your own. - [How Much Does it Cost to Start a Business in the UK? [Detailed Calculation]](https://anna.money/blog/guides/how-much-does-it-cost-to-start-a-business-in-the-uk/): Discover how much does it cost to start a business in the UK and get smart tips to plan your budget and avoid common financial pitfalls. - [How to Start a Retail Business [Beginner’s Guide to Success]](https://anna.money/blog/guides/how-to-start-a-retail-business/): Explore how to start a retail business, choose the right setup, attract loyal customers, and build a shop that grows with your vision. - [How to Start an Online Business in the UK [2026 Guide]](https://anna.money/blog/guides/how-to-start-an-online-business/): Discover how to start an online business in the UK with legal setup tips, marketing strategies, tools, and ideas to turn your skills into income. - [We’ve been named a Perkbox Top Celebrator 🎉](https://anna.money/blog/updates/we-ve-been-named-a-perkbox-top-celebrator/): Who doesn’t love a badge? And please excuse us for being super chuffed and a little bit show-offy about this rather splendid blue one. We’re really pleased to share that we’ve been recognised as a Top 100 Celebrator by Perkbox for 2026 - and they’ve given us a badge with a hot air balloon on it to prove it! - [How to Run a Business From Home: Step-by-Step Guide [2026]](https://anna.money/blog/guides/how-to-run-a-business-from-home/): Learn how to run a business from home with practical steps to stay compliant, attract customers, and grow confidently from your own space. - [How to Start a Window Cleaning Business: UK Startup Guide](https://anna.money/blog/guides/how-to-start-a-window-cleaning-business/): Learn how to start a window cleaning business in the UK, attract loyal clients, avoid common mistakes, and build steady long-term success. - [UK Business Visas Explained: Which One Fits Your Startup Plans](https://anna.money/blog/guides/visa-to-start-a-business-in-uk/): Discover what visa do you need to have to start a business in the UK and learn how to turn your innovative idea into a thriving venture. - [Top 10 AI Tools Every UK Small Business Should Use in 2026](https://anna.money/blog/guides/ai-tools-for-small-business/): Discover top AI tools for small businesses to simplify finance, enhance marketing, streamline workflows, and drive smarter growth. - [How to Start a Construction Business in the UK [2026 Guide]](https://anna.money/blog/guides/how-to-start-a-construction-business/): Learn how to start a construction business in the UK with practical steps on setup, compliance, pricing, and winning clients for long-term success. - [7 Tips to Start a Food Business in 2026 [Step-by-step Guide]](https://anna.money/blog/guides/how-to-start-a-food-business/): Explore actionable tips on how to start a food business in the UK, from legal setup to safety, labelling, compliance, and sustainability success. - [How to Start a Hoodie Business in 2026 [Full Guide]](https://anna.money/blog/guides/how-to-start-a-hoodie-business/): Explore how to start a hoodie business with guidance on branding, costs, legal setup, and marketing to build a strong clothing brand from day one. - [Meet Jamie Wynn, Product Designer, Customer Operations Platform](https://anna.money/blog/interviews/jamie-wynn-product-designer-customer-operations-platform/): We caught up with Jamie Wynn, Product Designer on our Customer Operations Platform, to find out what goes into building the tools that help our support team do their best work – and why the best features are often the ones you never notice. - [Can a Virtual Office Be Used as a Registered Office? [Explained]](https://anna.money/blog/guides/can-i-use-virtual-office-for-company-registration/): Learn can a virtual office be used as a registered office & explore how to stay compliant, protect your privacy, and run your business from anywhere. - [8 Disadvantages of Partnership in Business: What You Need to Know](https://anna.money/blog/guides/disadvantages-of-partnership/): Explore the disadvantages of partnership in the UK and understand key risks like liability, conflicts, and challenges before starting your business. - [How to Start a Dog Walking Business in the UK? [7 Steps Guide]](https://anna.money/blog/guides/how-to-start-a-dog-walking-business/): Discover how to start a dog walking business in the UK, from legal steps and insurance to pricing, marketing, and growing your client base. - [40 Best Cleaning Business Names to Get Inspired in 2026](https://anna.money/blog/guides/cleaning-business-names/): Discover cleaning business name ideas with catchy, classy, or eco-friendly options that make your brand memorable and easy to recognize. - [How to Start a Car Rental Business in the UK? (10 Easy Steps)](https://anna.money/blog/guides/how-to-start-a-car-rental-business-uk/): Discover how to start a car rental business in the UK, from choosing your niche to securing insurance, funding, and staying compliant. - [10 Steps to Start a Successful Courier Business in the UK [Guide]](https://anna.money/blog/guides/how-to-start-a-courier-business-uk/): Learn steps on how to start and have a successful courier business in the UK by choosing the right model, tools, pricing, and clients to grow. - [10 Best Businesses to Start During UK Recession [Explained]](https://anna.money/blog/guides/best-business-to-start-in-a-recession-uk/): Explore the best business to start during recession in the UK with ideas that stay profitable by meeting essential needs and steady demand. - [Prepaid cards vs debit cards: what are the differences?](https://anna.money/blog/guides/prepaid-cards-vs-debit-cards-what-are-the-differences/): Today’s bank cards are a curious bunch: from Monzo’s signature ‘hot coral’ hue to the world’s only miaowing debit card (that’s ours! 💅) Plenty of startup or challenger banks issue their customers with a prepaid card when they open a new account, but just what is a prepaid card? And how does it differ from a debit card? ANNA takes a closer look... - [Making Tax Digital: Everything That You Need to Know](https://anna.money/blog/guides/making-tax-digital/): Learn everything you need to know about Making Tax Digital and how you can stay compliant, manage records digitally, and simplify your tax reporting. - [Do You Need MTD Software If You’re Not VAT-Registered?](https://anna.money/blog/guides/making-tax-digital-not-vat-registered/): Discover do you need Making Tax Digital if you're not VAT-registered and learn how you can stay compliant based on your income and tax situation. - [How to Open Monzo Business Account Online](https://anna.money/blog/guides/how-to-open-monzo-business-account/): Monzo is one of the UK’s leading challenger banks, and for the last few years, it has also offered a business account. This offers a low-cost, mobile-first alternative to traditional financial institutions. In this guide, we’ll cover how to open a Monzo business account online and break down extra details such as eligibility criteria, fees, and pros and cons. - [MTD ITSA for Landlords [+6 Software Options Compared]](https://anna.money/blog/guides/mtd-for-landlords/): Explore what you need to know about MTD for landlords and learn how you can stay compliant, manage digital records, and simplify your tax reporting. - [HMRC tax filing service closure – how it affects Corporation Tax payers](https://anna.money/blog/guides/hmrc-tax-filing-service-closure-how-it-affects-corporation-tax-payers/): You may have heard about the HMRC tax filing service closure – HMRC is turning off its free Corporation Tax filing service (the CT600 form). But the good news is that [ANNA](https://anna.money/plus-taxes/) can file your Corporation Tax automatically for you! - [Self-employed mileage and travel expenses guide for freelancers](https://anna.money/blog/guides/self-employed-mileage-and-travel-expenses-guide-for-freelancers/): If you’re freelancing or a sole trader, chances are you’re clocking up plenty of miles and other travel costs that eat into your profits. However, it’s not all bad news. You can claim back some of your self-employed mileage costs and travel expenses. - [Managing my business costs while working from home](https://anna.money/blog/guides/managing-my-business-costs-while-working-from-home/): With the UK still on lockdown, the costs of running businesses from home are on the rise. Stay-at-home workers are expected to spend an extra £200 on utilities bills this year, alongside lots of unexpected costs that even the savviest small business owner couldn’t have budgeted for. Here at ANNA, we’ve splashed out on all sorts of extras since lockdown - so we thought we’d check which costs are considered legitimate [business expenses](https://anna.money/blog/guides/what-can-i-claim-as-a-business-expense/). Our in-house accountant John Hodgson has answered all of our lockdown business expense questions. - [A Guide to Self Assessment for the Self-Employed](https://anna.money/blog/guides/a-guide-to-self-assessment-for-the-self-employed/): If you’re self-employed, you’ve probably heard about Self Assessment - HMRC’s way of collecting tax from people who don’t get it deducted automatically. But what does it actually involve? And how will it change with Making Tax Digital (MTD) on the horizon in 2026? - [What Are Business Expenses?](https://anna.money/blog/guides/what-can-i-claim-as-a-business-expense/): If you’ve started your own business, it’s important that you know what business expenses are? What you can claim as a business expense to reduce your taxes? And what you can’t. We take a look at the basics. - [How to Start a Real Estate Business in the UK [2026]](https://anna.money/blog/guides/how-to-start-a-real-estate-business/): Learn how to start a real estate business in the UK and turn your property knowledge into profit with legal tips, market insights, and growth advice. - [Your ANNA payment link: a new handy way to accept payments](https://anna.money/blog/updates/your-anna-payment-link-a-new-handy-way-to-accept-payments/): We’re always looking for easier, more convenient ways for you to get paid. So we’re suitably excited to introduce a handy new way to receive payments: a personal link that clients can use to pay you – direct from their online bank. You can use it as your payment method for online stores on Instagram or Facebook as well. - [How to open a Mettle Bank business account](https://anna.money/blog/guides/how-to-open-mettle-bank-business-account/): Part of the NatWest Group, Mettle is an app that aims to make managing finances as simple as possible for the self-employed. Its business bank account is packed with features to help make the money side of doing business easier, including a free subscription to FreeAgent accounting software, and tools such as in-app rolling tax calculations. - [10 Side Hustle Business Ideas for Students [+Extra Tips]](https://anna.money/blog/guides/business-ideas-for-students/): Explore business ideas for students that help you earn extra income, gain experience, and build real skills while balancing university life. - [Real Estate Business Names: 100 Creative Ideas & Examples](https://anna.money/blog/guides/real-estate-business-names/): Explore real estate business names that inspire trust, creativity, and success to help your property brand stand out effortlessly. - [How to Start a Baking Business From Home [UK 2026 Guide]](https://anna.money/blog/guides/how-to-start-a-baking-business/): Explore how to start a baking business from home in the UK and turn your passion for cakes into profit with confidence and creativity. - [How to open a Lloyds business account online](https://anna.money/blog/guides/how-to-open-a-lloyds-business-account-online/): Lloyds is a traditional high street bank with branches in England and Wales, perhaps best known for its TV ads featuring galloping black horses. It is one of the leading UK-based financial services groups and in this blog post we’ll try to simplify and summarise Lloyds’ business banking options and help you to choose the business account that fits your needs. Because it can be tricky to work out how tariffs and charges work in the real world in your day-to-day business operations, we’ll also give an example of a sushi restaurant’s transaction activity and charges. - [Company Registration Documents in the UK: Full Checklist](https://anna.money/blog/guides/company-registration-documents-uk/): Discover essential company registration documents that UK businesses need to start smoothly and stay compliant with legal requirements. - [A guide to capital allowances](https://anna.money/blog/guides/capital-allowances/): Claiming tax relief is a great way to reduce your tax bill. When you’re registered as a limited company, there are many allowable reliefs HMRC has provided businesses to use in the preparation of their corporation tax returns, so let’s have a look at what’s on offer. - [Understanding your tax deadlines and responsibilities](https://anna.money/blog/guides/understanding-your-tax-deadlines-and-responsibilities/): Staying on top of your finances is no easy feat, especially when you're faced with an array of dates, and it's hard to know which ones are truly important for your specific business situation. But don’t panic – [Dead Simple](https://www.deadsimpleaccounting.co.uk/?utm_medium=referral&utm_source=annamoney&utm_campaign=annamoneyblog) have written this guest blog post to help you navigate the maze of deadlines and responsibilities. Let's dive in and mark these essential milestones on your calendar! - [10 Best Company Formation Agents to Consider in 2026](https://anna.money/blog/guides/best-company-formation-agents/): Discover the best company formation agents in the UK to help you register your business quickly, stay compliant, and streamline your finances. - [How to Start an Electrician Business in the UK [Guide]](https://anna.money/blog/guides/how-to-start-an-electrician-business/): Explore how to start an electrician business and learn how to set up your services, stay compliant, and build a strong client base with confidence. - [160 Fitness Business Names for Gyms, Studios, and Trainers](https://anna.money/blog/guides/fitness-business-names/): Discover fitness business names to inspire your brand identity and help you choose a memorable name that reflects your style and purpose. - [How to Start an Interior Design Business: UK Guide](https://anna.money/blog/guides/how-to-start-an-interior-design-business/): Discover how to start an interior design business with practical steps to set up, build credibility, attract clients, and grow confidently. - [How to Start a Translation Business: A Complete Guide](https://anna.money/blog/guides/how-to-start-a-translation-business/): Learn how to start a translation business in the UK, set up legally, price your services, find clients, and grow with confidence step by step. - [Rapid Formations Alternatives: What Could Be a Better Fit in 2026](https://anna.money/blog/guides/rapid-formations-alternatives/): Explore Rapid Formation alternatives with top UK company formation services compared to help you choose the best fit for your business needs. - [4 Best 1st Formations Alternatives to Consider in 2026](https://anna.money/blog/guides/1st-formations-alternatives/): Discover the best 1st Formations alternatives & compare features, pricing, and support so you can launch your business with confidence. - [What Is a Payment on Account? [Comprehensive Explanation]](https://anna.money/blog/guides/what-is-a-payment-on-account/): Learn what a payment on account is and understand how it affects your tax bill so you can plan ahead, avoid surprises, and stay in control. - [How to Contact HMRC for Self Assessment [Full Guide]](https://anna.money/blog/guides/how-to-contact-hmrc-for-self-assessment/): Discover how to contact HMRC for Self Assessment and find the quickest way to get help so you can resolve issues and avoid unnecessary stress. - [A Guide to Self Assessment for Self-Employed Workers [2026]](https://anna.money/blog/guides/self-assessment-for-self-employed/): Explore the guide to Self Assessment for self-employed and learn how you can stay organised, meet deadlines, and manage your taxes with confidence. - [Self Assessment for Directors: A Comprehensive Guide](https://anna.money/blog/guides/director-self-assessment/): Discover what you need to know about Self Assessment for directors and learn how to report income, meet deadlines, and stay compliant with ease. - [How to Register a Partnership for Self Assessment [Guide]](https://anna.money/blog/guides/register-a-partnership-for-self-assessment/): Learn how to register a partnership for Self Assessment and ensure you stay compliant, meet deadlines, and manage your tax responsibilities smoothly. - [What If I Missed the Self Assessment Registration Deadline?](https://anna.money/blog/guides/missed-self-assessment-registration-deadline/): Explore what happens if you miss Self Assessment registration deadline and learn how you can act quickly, reduce penalties, and stay compliant. - [All Your MTD for Income Tax FAQs Answered [Fully Explained]](https://anna.money/blog/guides/mtd-faqs/): Find all your MTD for income FAQs answered and learn how you can stay compliant and manage your digital tax responsibilities with ease. - [7 Best Making Tax Digital Software for Landlords in 2026](https://anna.money/blog/guides/making-tax-digital-software-for-landlords/): Discover the best Making Tax Digital software solutions for landlords & find tools to stay compliant, reduce admin, and manage your property finances. - [Making Tax Digital for Accountants: Tools, Rules, Compliance](https://anna.money/blog/guides/making-tax-digital-for-accountants/): Learn what you need to know about Making Tax Digital for accountants and how you can stay compliant and manage client reporting efficiently. - [How to Start a Business in the UK? Step-By-Step Process Explained](https://anna.money/blog/guides/how-to-start-a-business-uk/): There are around 5.7 million small- and medium-sized businesses in the UK, which make up 99.9% of all private enterprises in the country. If you want to join them, you’re in good company. For many people, the biggest hurdle to entrepreneurship is the technicalities of how to get started. Fortunately, this guide covers everything you need to know. - [No Barriers: Our First Research Sessions With Kris and Isaac](https://anna.money/blog/updates/no-barriers-our-first-research-sessions-with-kris-and-isaac/): In [a previous post](https://anna.money/blog/updates/no-barriers-making-anna-more-accessible/), we introduced the No Barriers project and our partnership with Kris Foster and Isaac Harvey MBE. We said we’d share every step of this journey, bumps and all. Here’s what’s happened since we last updated you. - [How to assign categories in ANNA](https://anna.money/blog/updates/how-to-assign-categories-in-anna/): Usually, in complex accounting software, tax codes are used as a tool to determine the tax treatment of a transaction that has been posted in the software. Normally an account administrator will manually allocate a tax code to each transaction. Once a tax code has been chosen, the treatment of the transaction can be determined, then the system is able to calculate your taxes. Categorising your transactions in ANNA is handy because it can help you quickly and easily organise your business transactions and determine the tax treatment just like a complex accounting system tax code would, but in a much more user friendly and efficient way. - [6 Best Making Tax Digital Software for Sole Traders in 2026](https://anna.money/blog/guides/best-making-tax-digital-software-for-sole-traders/): Explore the best Making Tax Digital software for sole traders and find tools that help you stay compliant, reduce admin, and manage your finances. - [Making Tax Digital for Charities: VAT & Compliance Explained](https://anna.money/blog/guides/making-tax-digital-for-charities/): Learn what you need to know about Making Tax Digital for charities and how you can stay compliant, manage VAT, and reduce admin with the right setup. - [How Do I Register for Making Tax Digital with ANNA Money?](https://anna.money/blog/guides/how-do-i-register-for-making-tax-digital/): Learn how to register for Making Tax Digital & see how you can connect your tax account, stay compliant, and manage submissions without extra admin. - [Making Tax Digital for Partnerships: Rules, Deadlines & Setup](https://anna.money/blog/guides/making-tax-digital-for-partnerships/): Learn everything you need to know about Making Tax Digital for partnerships so you can prepare early, stay compliant, and manage finances confidently. - [Register for Making Tax Digital as an Agent [A Full Guide]](https://anna.money/blog/guides/register-for-making-tax-digital-as-an-agent/): Explore how to register for Making Tax Digital as an agent so you can set up your workflow, manage clients, and stay compliant with ease. - [Am I Registered for Making Tax Digital? [How to Check]](https://anna.money/blog/guides/am-i-registered-for-making-tax-digital/): Discover if you are registered for Making Tax Digital and learn how to check your status, stay compliant, and avoid common filing mistakes. - [Xero vs QuickBooks: Which Is Best for MTD in 2026?](https://anna.money/blog/guides/xero-vs-quickbooks/): Compare Xero vs QuickBooks to see which accounting tool fits your needs, simplifies bookkeeping, and helps you stay compliant with MTD. - [QuickBooks vs Sage Intacct: Which Is Best for MTD in 2026?](https://anna.money/blog/guides/quickbooks-vs-sage-intacct/): Compare QuickBooks vs Sage Intacct to see which platform fits your business needs, simplifies accounting, and helps you stay compliant with MTD. - [6 Best Free Making Tax Digital Software Solutions [Compared]](https://anna.money/blog/guides/best-making-tax-digital-free-software/): Discover the best free Making Tax Digital software to stay compliant, reduce admin, and choose the right tool for your business needs. - [Making Tax Digital for Farmers: Complete Guide for 2026](https://anna.money/blog/guides/making-tax-digital-for-farmers/): Explore what you need to know about MTD for farmers and learn how you can manage digital records, stay compliant, and simplify your tax reporting. - [ANNA Wins Accounting Tech of the Year](https://anna.money/blog/updates/anna-wins-accounting-tech-of-the-year/): We have some big news. ANNA has just been named Accounting Tech of the Year at the UK FinTech Awards – one of the country's most prestigious celebrations of fintech innovation. Here's why this one means so much to us. - [The 2025/2026 Tax Year Calendar for LTDs [UK Full Guide]](https://anna.money/blog/guides/tax-year-uk/): Discover everything you need to know about the UK tax year including key deadlines, compliance requirements, and essential filing obligations. - [ANNA makes open-source Terraform solution for OpenVPN Cloud](https://anna.money/blog/updates/anna-makes-open-source-terraform-solution-for-openvpn/): ANNA has collaborated with a virtual private network provider OpenVPN on improving their open-source integration for Terraform. We’re sharing the story of how this collaboration came to be and what it means for ANNA customers. - [Customer spotlight: Tiphanie Parry, director of Willow & Fig In The Lakes](https://anna.money/blog/interviews/tiphanie-parry-director-of-willow-and-fig-in-the-lakes/): Tiphanie, who lives in Preston with her children aged five and ten, runs [Willow & Fig In The Lakes](https://www.willowandfig.co.uk/) – a wedding styling and prop hire company that works closely with couples to set the scene for their special day. Here she reveals her secret superpower, and her greatest challenge… - [Strike a pose: pitch success means selling your body](https://anna.money/blog/guides/strike-a-pose/): Those making forays into the wide world of self-employment find they are suddenly responsible for everything from company vision to office maintenance. But the most demanding of daily tasks is winning new work and forging relationships with clients. Selling takes energy, charm and a dash of cunning. But first, it takes the right gesture. - [ANNA wins at Deloitte and The Spectator](https://anna.money/blog/updates/anna-wins-at-deloitte-and-the-spectator/): We’re excited to say that 2024 is coming to a very successful end for ANNA, with awards at the Spectator Economic Investor Awards for the South West and South Wales, and a 26th place finish in the 2024 Deloitte UK Technology Fast 50 list. - [Public Liability Insurance – An essential guide](https://anna.money/blog/guides/public-liability-insurance-essentials-guide/): So – you’ve decided to be your own boss? Beginning your own business is an exciting journey, but it can also be difficult to get everything organised and in place. When you’re just starting out, it’s easy to overlook things you may not consider to be important – things like public liability insurance. - [Customer spotlight: Tim Sumner from Top Cars Chauffeurs](https://anna.money/blog/interviews/tim-sumner-from-top-cars-chauffeurs/): As part of our series talking to ANNA customers, we spoke to Tim from Top Cars Chauffeurs, about the pros and cons of driving a taxi and running his own business. We can even overlook his dislike of cats! - [How to protect your business bank account from phone snatchers?](https://anna.money/blog/guides/phone-snatchers/): In the past few weeks several members of the ANNA team have witnessed people having their phones snatched out of their hands on the streets of London. On one lunchtime stroll we saw it happen twice in just 20 minutes. - [How to Start a Currency Exchange Business in the UK [Guide]](https://anna.money/blog/guides/how-to-start-a-currency-exchange-business-in-uk/): Explore how to start a currency exchange business in the UK, meet legal requirements, stay compliant, attract customers, and build trust. - [How to Start a Childcare Business: 7 Steps to Opening Day](https://anna.money/blog/guides/how-to-start-a-childcare-business/): Discover how to start a childcare business in the UK, how to meet regulations, plan finances, hire staff, and build trust with parents. - [How to Start a Property Management Business in the UK: Guide](https://anna.money/blog/guides/how-to-start-a-property-management-business/): Discover how to start a property management business in the UK with essential setup steps, compliance guidance, and strategies to win clients. - [What's the Difference Between Public & Private Limited Company [Explained]](https://anna.money/blog/guides/difference-between-public-and-private-limited-company/): Explore the difference between public and private limited company in the UK and learn which structure best fits your business goals and growth plans. - [How to Change Registered Office Address: Companies House Process UK](https://anna.money/blog/guides/change-registered-office-address/): Learn how to change registered office address in the UK smoothly, avoid common pitfalls, and stay compliant while protecting your business. - [We review four gaming chairs that could be perfect for your home office](https://anna.money/blog/reviews/we-review-four-gaming-chairs-for-home-office/): Right now there’s a fair chance you’re spending a lot of time in a home office. Sitting down, hunched over your laptop. So getting the right chair is a key decision when setting up your home office. There are a lot of office chair reviews out there to help you pick the right one, but wait - does it have to be an office chair? Have you considered a gaming chair instead? Much cooler. - [Taking card payments for your business? These payment providers work with ANNA](https://anna.money/blog/updates/taking-card-payments-payment-providers-anna/): Whether you sell products or services online or in person, many small businesses rely on card payments to get paid. It’s a great way to get paid, because it’s pretty instant – and it saves you making and chasing invoice payments once the work is done. - [Can a UK Company Register for VAT in Ireland? [Full Guide]](https://anna.money/blog/guides/can-a-uk-company-register-for-vat-in-ireland/): Discover can a UK company register for a VAT in Ireland with clear steps on rules, documents, process and compliance for smooth trading. - [Free and affordable coworking spaces in the UK](https://anna.money/blog/guides/free-and-affordable-coworking-spaces-in-the-uk/): If you’re pre-launch or just starting to look for opportunities, you’ll likely be on a budget – and that can be a particular problem in London. There are plenty of free work spaces out there – usually found in libraries, cultural institutions and coffee shops. But, as we all know, you get what you pay for: wi-fi can be unreliable and you won’t be able to make private calls as easily when places are too noisy (cafes) or too quiet (libraries). - [New in ANNA: January updates](https://anna.money/blog/updates/new-in-anna-january-updates/): This is a quick roundup of some of the features and fixes we’ve introduced in January: improved search, fewer notifications, better control over your transaction history, and more. - [How to Start a Recruitment Agency in 9 Easy Steps [And Keep it Thriving]](https://anna.money/blog/guides/how-to-start-a-recruitment-agency/): Discover how to start a recruitment agency with expert tips on niche selection, legal steps, branding and growing your client base. - [10 essential purchases for the home office](https://anna.money/blog/reviews/10-essential-purchases-for-the-home-office/): If suddenly working at home has left you short of some home office gear, now’s a good time to review your setup. We’ve put together a list of stuff to buy when working at home, from the pure essentials to a few nice treats. - [How Much National Insurance Do Self-Employed Workers Need to Pay?](https://anna.money/blog/guides/how-much-national-insurance-do-freelancers-have-to-pay/): Everything you need to know about staying on top of your NI contributions when you’re self-employed. - [5 tools to move your business to remote mode fast](https://anna.money/blog/guides/5-tools-to-move-your-business-to-remote-mode-fast/): During these disruptive times of social distancing, offices are shutting down and face-to-face business is increasingly unusual. Wherever possible people are being asked to work from home – and for some of you, this is a whole new ballgame. We’ve put together a list of great tools to help you keep going as you work remotely. - [Best online marketplaces for small businesses in the UK](https://anna.money/blog/guides/5-top-online-marketplaces-for-small-business/): Online marketplaces provide a fast and easy way to broaden your sales opportunities. Whether you’re a peddler of plants or merchant of macramé, we’ve rounded up the leading players to help you choose the right option for your small business. - [9 things you’ve learned since you started working from home](https://anna.money/blog/guides/9-things-youve-learned-since-you-started-working-from/): Just a few months ago you were looking forward to 2020. “I’ll get a hobby!” you thought. “Maybe I’ll take up rambling. Or urban fishing!” You probably didn’t imagine you’d be spending quite so much time working from home. And yet here you are, working from home. These are the things you have learned. - [8 ways British businesses are proving their creativity in spite of COVID-19](https://anna.money/blog/guides/8-ways-british-businesses-are-proving-their-creativity-in-spite-of-covid-19/): There’s never been a more challenging time for British businesses. It’s almost too obvious a point to dwell on. At ANNA we hope the government will deliver on their promise to “do whatever it takes” to help all businesses stay open and survive through troubling times and a potential coronavirus ‘lockdown’ that many are predicting. But we’ve also noticed many examples of the “British creativity” that Boris Johnson called on in his speech, showing how small businesses (and a couple of big ones) are showing how they will prevail in spite of falling demand, spiralling costs and potentially empty streets. This post is dedicated to all those people who make amazing things happen in the face of adversity. - [Making Tax Digital Penalties Explained [+ How to Avoid Them]](https://anna.money/blog/guides/making-tax-digital-penalties/): Discover Making Tax Digital penalties and learn how you can avoid fines, stay compliant, and manage your tax deadlines with confidence. - [Making Tax Digital for Low-Income Taxpayers [6 Challenges]](https://anna.money/blog/guides/making-tax-digital-for-low-income/): Discover the challenges of Making Tax Digital for low-income taxpayers and learn how you can stay compliant and reduce reporting stress. - [A Guide to Inheritance Tax in the UK: What You Need to Know](https://anna.money/blog/guides/inheritance-tax-in-the-uk/): Explore everything you need to know about inheritance tax in the UK and learn how you can reduce tax and protect more of your estate. - [15 Business Ideas You Can Get Started With in 2026](https://anna.money/blog/guides/business-ideas/): Discover business ideas for the UK that match growing demand, low startup costs, and scalable models to help you build with confidence. - [Corporation Tax in the UK: Rates, Deadlines & How to Pay](https://anna.money/blog/guides/corporation-tax-what-you-need-to-know/): Corporation Tax. It sounds complicated, but if you run a limited company in the UK, you can’t avoid it. In this blog we explain the basics. - [5 things to do when you go self employed](https://anna.money/blog/guides/five-things-todo-when-you-go-self-employed/): If you’ve decided to go self employed, firstly – congratulations! Though it can be a daunting step if you’ve always been part of a team, or had a boss, it’s also a brave and exciting career move with endless possibilities for growth. (And theoretically, a very flexible start time.) But amid the freedom that comes with being your own boss, there is a framework and a few rules you’ll need to follow when you’re first setting up that’ll help you avoid financial pitfalls down the line. And who better to talk about them than someone who’s already taken the journey? We spoke to ANNA customer Jonathan McGookian, a multi-disciplinary behaviour specialist and founder of EVOLVE. He went self-employed under six months ago, and hasn’t looked back since. - [90+ Creative Gardening Business Names for 2026 [+Examples]](https://anna.money/blog/guides/gardening-business-names/): Explore gardening business names that inspire creativity, reflect your brand’s personality, and help you stand out in the UK market. - [How To Start a Cleaning Business in the UK](https://anna.money/blog/guides/how-to-start-a-cleaning-business/): Looking to start a business that makes you your own boss? And do you feel like you could clean up running a cleaning business? (Sorry, we couldn’t resist that!) Here’s our complete guide to how to start a cleaning business in the UK in 2026. - [How to Start a Landscaping Business [Step-by-Step UK Plan]](https://anna.money/blog/guides/how-to-start-a-landscaping-business/): Learn how to start a landscaping business, win clients, set prices, manage costs, and grow your passion into a thriving outdoor career. - [What It Really Takes to Start a Restaurant in the UK Today [Full Guide]](https://anna.money/blog/guides/how-to-start-a-restaurant/): Learn how to start a restaurant in the UK with clear steps on planning, costs, licences, marketing, and daily operations to grow your venture. - [How to Start a Supported Living Business in the UK: Guide](https://anna.money/blog/guides/how-to-start-a-supported-living-business-in-uk/): Learn how to start a supported living business in the UK with guidance on setup, compliance & referrals so you can launch confidently and grow safely. - [How to stay productive when you’re self-employed](https://anna.money/blog/guides/how-to-stay-productive-when-youre-self-employed/): One of the best parts of running your own business is that your time is all your own. Need more flexible working hours? You‘re the boss – you‘ve got them. But when you‘re freelance, it can sometimes be tricky to maintain the same focus that you have when you‘re working a 9 to 5 for a traditional employer. - [How will the government help my business? Now including BBLS update.](https://anna.money/blog/guides/how-will-the-government-help-my-business-bbls/): Read the 2021 update: What government support is still available for my business? The Coronavirus pandemic means this is a tough time for small businesses – but the government is stepping in with some measures to help you out. ANNA is taking a quick look at what’s on offer, whether you’re eligible and what you have to do next. - [How ANNA is helping customers get their CBILS loans and grants](https://anna.money/blog/updates/how-anna-is-helping-customers-get-their-cbils-loans/): In the last few weeks the team at ANNA have put measures in place to help our customers get government financial support, including applying for CBILS loans and receiving grant funds. In the last few days alone, we’ve helped more than 1,000 customers with CBILS and continue to help more people every day. If you have any questions or need help with anything, you can ask our support team in the app who are on hand 24/7 with any question you may have. - [Making Tax Digital: The Common Challenges & Solutions](https://anna.money/blog/guides/making-tax-digital-challenges/): Discover the Making Tax Digital challenges and learn how you can overcome common issues, stay compliant, and simplify your reporting. - [Memorandum and Articles of Association: Why They Matter](https://anna.money/blog/guides/memorandum-and-articles-of-association/): Learn about memorandum and articles of association and how they establish, govern, and protect your UK company while building investor confidence. - [Payments to and from HMRC: a practical guide](https://anna.money/blog/guides/payments-to-and-from-hmrc-a-practical-guide/): There’s a lot of information out there about how to calculate your VAT or how to file your VAT return. But there’s less help when it comes to how you actually pay HMRC. So we’re taking a closer look at it. - [Update: What government support is still available for my business?](https://anna.money/blog/guides/update-what-government-support-is-still-available/): As Coronavirus restrictions start to ease up, some government support schemes for businesses are also coming to an end. In this article, we’ve summarised all the latest updates for CJRS, BBLS, and CBILS. You’ll find a reminder of what’s available, what you need to be eligible – and the all-important application deadlines. - [VAT after Brexit](https://anna.money/blog/guides/vat-after-brexit/): On 1 January 2021 the UK left the EU. So what does that mean for UK companies that export goods to the EU? From an EU perspective, the UK is now a third country (it’s outside the EU, and in this case outside the single market and the customs union). That means the UK is now required to operate full external borders similar to other international trading partners outside the EU. - [What is WooCommerce?](https://anna.money/blog/guides/what-is-woocommerce/): If you’re thinking of running an online store, you’ll want to know more about WooCommerce. So we’ve collected together 9 handy facts for you. - [What the heck is VAT and when do I need to register?](https://anna.money/blog/guides/what-the-heck-is-vat-and-when-do-i-need-to-register/): There's no getting around it: value added tax is complex, but it may apply to your business in the future, so it's well worth getting to grips with now. If even seeing the term “VAT” makes you panic or has you thinking things like, I really should find out what it is before I pay it, read on for a simple breakdown. Update: As of 2025/26, the VAT threshold is £90,000. This threshold has remained unchanged since it was increased from £85,000 in April 2024. - [What is a Confirmation Statement and How to File it](https://anna.money/blog/guides/your-confirmation-statement-what-you-need-to-know/): Everything you need to know about the confirmation statement or Companies House form CS01. Step by step guide to making changes to your company records and filing. - [Meet Lou, ANNA’s head of Customer Experience](https://anna.money/blog/interviews/meet-lou-annas-head-of-customer-experience/): At ANNA, we’re very proud of the support we give our customers. So we sat down with Louise Hewlett, the head of our Customer Experience team, to talk about how the department works and the importance of putting customers first. - [ANNA is in The Sunday Times 100 Tech List for 2026](https://anna.money/blog/updates/anna-sunday-times-100-tech-list-2026/): We’re so pleased to share the news that ANNA is in The Sunday Times 100 Tech list at number 32. The prestigious list ranks Britain’s fastest-growing private technology companies, shining a spotlight on the entrepreneurs and teams driving their success. - [Find in ANNA](https://anna.money/blog/updates/find-in-anna/): ANNA safely stores and updates your records, keeping all your finances in one place. Find in ANNA helps you quickly get the information you need, when you need it. - [The Bird's Nest - helping ANNA develop new features](https://anna.money/blog/updates/the-birds-nest/): Calling all testers - we’re looking for customers to join The Bird’s Nest - [How to Start a Natural Skin Care Business in the UK [7 Steps]](https://anna.money/blog/guides/how-to-start-a-natural-skin-care-business-uk/): Discover how to start a natural skin care business in the UK, comply with regulations, develop your products, and launch with impact. - [How to Become a Landlord in the UK [Complete Guide]](https://anna.money/blog/guides/how-to-become-a-landlord/): Discover how to become a landlord in the UK, handle legal duties, manage tenants, avoid common mistakes, and grow your rental income. - [How do I file a VAT Return online?](https://anna.money/blog/guides/how-do-i-file-a-vat-return-online/): If you’re running a business, you likely have to submit a VAT return every three months. Whilst this can seem like an administrative hassle, you should look at it as a mark of running a successful small business. The good news is, the process of submitting a Return has never been easier. We’re going to take a look at everything you need to know about submitting a VAT Return online. - [File your VAT online through ANNA’s Google Sheets VAT Filing Add-on](https://anna.money/blog/tools/file-your-vat-online-through-annas-google-sheets-vat/): The VAT landscape has been changed by Making Tax Digital, and filing VAT can seem complicated or intimidating, but it needn’t be. In fact, you can now file your VAT direct from a Google Sheet, using ANNA. - [Managing the coronavirus crisis – lessons from a small business going through it](https://anna.money/blog/interviews/managing-the-coronavirus-crisis-small-business/): A few weeks ago, Feast was a food catering business delivering lunch to agencies in central London. 3 weeks ago they became a home delivery food company, the exact time coronavirus spread through the UK and businesses quickly isolated their staff. Here’s a few lessons in crisis management we have learned from speaking to their founder, Dom O’Neill. - [How to open Santander business account online](https://anna.money/blog/guides/how-to-open-santander-business-account/): Although Santander UK is a British bank, it’s owned by a Spanish company – Santander being a city in Northern Spain. Founded in 2004, Santander (the bank, not the city) currently has 14 million customers and branches spread across the UK, all the way from Elgin to Penzance. - [How to Start an IT Business: 6 Steps Guide to Success](https://anna.money/blog/guides/how-to-start-an-it-business/): Discover how to start an IT business with clear steps on setup, clients, and tools so you can launch confidently and grow your tech services fast. - [Should I be a sole trader or a limited company?](https://anna.money/blog/guides/should-i-be-a-sole-trader-or-a-limited-company/): If you’re a freelancer with a growing income and expanding client list, at some point you’ll probably consider setting yourself up as a limited company. Of course, your first call should be to your accountant, who’ll be able to advise you on exactly how to do it. But how do you know if it’s the right move for you? - [Your Shopify payment questions – answered](https://anna.money/blog/guides/your-shopify-payment-questions-answered/): Does Shopify accept Apple Pay? Can you use Stripe with Shopify? What’s the best way to deal with chargebacks on Shopify? These are a few of the common Shopify payment questions which come up again and again. We’re going to take a few minutes to answer them. - [How to Become a Private Hire Driver [Step-by-Step UK Guide]](https://anna.money/blog/guides/how-to-become-a-private-hire-driver/): Learn how to become a private hire driver with clear steps, expert tips, and insights to start your journey smoothly and avoid common roadblocks. - [10 places you can still find work during lockdown](https://anna.money/blog/guides/10-places-you-can-still-find-work-during-lockdown/): UK jobs during coronavirus have taken a significant hit, but it’s also thrown up new job opportunities in sectors that simply have to keep going. If your usual business is on hold, there are still places you can find employment and help keep the country going. Here’s 10 places to find alternative work if you need to. - [10 tips for marketing your small business on a low budget](https://anna.money/blog/guides/10-tips-for-marketing-your-small-business-on-a-low/): Marketing is a multi-layered action or business of promoting and selling products or services. It can manifest as advertising, PR, sponsorship, social media, content, networking, promotions and sales among numerous other disciplines. - [Authorised Push Payment fraud (APP) in the UK](https://anna.money/blog/guides/authorised-push-payment-fraud/): Authorised Push Payment fraud is a type of scam where victims are tricked into making a payment to a fraudster. From October 2024 new regulations change the way banks and other financial institutions respond to APP fraud, so we’ll be using this blog post to take a closer look at this type of scam. - [How to take your side hustle into the spotlight](https://anna.money/blog/interviews/how-to-take-your-side-hustle-into-the-spotlight/): Sometimes your on-the-side job is just too lucrative to stay in the shadows. But what does it really take to turn a hustle into a business? We spoke to digital marketing agency founder Hamzah Malik of Regent Branding, whose journey from wide-eyed undergrad to fully fledged business owner might just help you make your own dreams a reality. - [How Much to Set Up a Limited Company: UK Costs & Fees Guide](https://anna.money/blog/guides/how-much-to-set-up-a-limited-company/): Discover how much it is to set up a limited company in the UK with clear insights on fees, services, and ongoing costs to plan confidently. - [ANNA Money Named One of The Sunday Times Best Places to Work 2026](https://anna.money/blog/updates/anna-sunday-times-best-place-to-work-2026/): You’ll usually find us sharing accolades on our blog that recognise our continued growth as a business, our cutting edge tech or how we make life easier for our customers. But today it’s a bit different – we’ve been recognised in The Sunday Times Best Places to Work 2026 list, celebrating organisations with the highest levels of employee experience and workplace happiness across the UK. - [Meet Mystic Mog, ANNA’s AI cat astrologist](https://anna.money/blog/updates/meet-mystic-mog-annas-ai-cat-astrologist/): A few weeks ago everyone in the ANNA office got together for a special AI Research and Development Day, brainstorming different ways we could use AI to improve our customers’ experience with ANNA. Along with a lot of serious suggestions – we’ll cover those in a different blogpost – we also came up with some sillier ideas, which brings us neatly to… Mystic Mog - [How to Start a Call Centre Business in the UK: Step-by-Step](https://anna.money/blog/guides/how-to-start-a-call-centre-business-in-uk/): Learn how to start a call centre business in the UK with clear steps on setup, costs, clients, compliance, and scaling a profitable service. - [How to Start a Bookkeeping Business in the UK [2026 Guide]](https://anna.money/blog/guides/how-to-start-a-bookkeeping-business/): Discover how to start a bookkeeping business from home with the right tools, setup, and strategy to attract clients and stay fully compliant. - [A beginner’s guide to VAT](https://anna.money/blog/guides/beginners-guide-to-vat/): So you want to know more about VAT? It can appear to be wrapped in mystery if you've never had to pay it before, but being VAT registered could bring real financial advantages. Read on for everything you need to know about VAT, but were too afraid to ask. - [What is FSCS protection?](https://anna.money/blog/guides/what-is-fscs-protection/): If the financial firm you've used has gone out of business and you can’t get your money back, the FSCS (which stands for the Financial Services Compensation Scheme) can step in to pay you compensation directly. Set up by the government, it’s independent and the service is free. - [What Is the Threshold for Making Tax Digital? [Guide]](https://anna.money/blog/guides/making-tax-digital-threshold/): Discover what the threshold is for Making Tax Digital and learn how you can check if it applies to you and prepare for compliant tax reporting. - [Everything you need to know about Making Tax Digital](https://anna.money/blog/guides/everything-you-need-to-know-about-making-tax-digital/): We’ve put together this handy guide to fill you in on everything you need to know about Making Tax Digital (MTD). Read on to understand why it’s in place and how it impacts your business. - [How to prepare your VAT return with ANNA](https://anna.money/blog/guides/how-to-prepare-your-vat-return-with-anna/): If you’re new to business, it can be hard to know where to start with VAT. That’s why we’ve prepared this quick guide to what exactly VAT is, how to prepare your VAT return and how to file that VAT Return with ANNA. - [Should I be VAT Registered? A guide to VAT filing schemes](https://anna.money/blog/guides/should-i-be-vat-registered-a-guide-to-vat-filing-schemes/): At some point most small businesses will have to decide whether to be VAT registered. We take a quick look at the pros and cons, as well as the most common VAT schemes available. - [When and how should I register for VAT](https://anna.money/blog/guides/when-and-how-should-i-register-for-vat/): When you’re starting out in business it can be tricky to know if you should register for VAT or not. So we’re taking a look at when you should do it – and how. - [Tide vs Monzo Business Account – which one should you choose?](https://anna.money/blog/guides/tide-vs-monzo-business-account/): Looking for a business account that keeps things simple while giving you the flexibility to grow? [Tide](https://anna.money/blog/guides/how-to-open-tide-business-account-online/) and [Monzo](https://anna.money/blog/guides/how-to-open-monzo-business-account/) are two of the most popular digital options for UK business owners – both app-based, fast to open, and designed to help freelancers, sole traders and limited companies manage their finances on the go. - [Barclays vs Lloyds business account – which one should you choose?](https://anna.money/blog/guides/barclays-vs-lloyds-business-account/): Looking for a reliable business account from one of the UK’s big banks? [Barclays](https://anna.money/blog/guides/how-to-open-a-barclays-business-account/) and [Lloyds](https://anna.money/blog/guides/how-to-open-a-lloyds-business-account-online/) are two of the country’s most established names, both offering traditional stability with digital convenience. But while they look similar on paper, there are important differences in pricing, digital tools, and how each bank supports small businesses. - [HSBC vs NatWest business account – which one should you choose?](https://anna.money/blog/guides/hsbc-vs-natwest-business-account/): Looking for a business account that helps you manage your company finances without unnecessary costs? [HSBC](https://anna.money/blog/guides/how-to-open-an-hsbc-business-account-online/) and [NatWest](https://anna.money/blog/guides/how-to-open-natwest-business-account/) are two of the UK’s best-known names, both offering solid digital tools and mobile apps. But while they share a long banking heritage, their modern business accounts – especially HSBC Kinetic and NatWest’s free business account – are quite different in how they approach small business needs. - [Mettle vs Starling business account – which one should you choose?](https://anna.money/blog/guides/mettle-vs-starling-business-account/): Looking for a business account that’s simple, modern, and doesn’t pile on monthly fees? [Mettle](https://anna.money/blog/guides/how-to-open-mettle-Bank-business-account/) and [Starling](https://anna.money/blog/guides/how-to-open-starling-business-account/) are two leading UK options offering free business accounts designed for freelancers, sole traders, and small companies. Both promise smooth digital banking with useful tools to manage invoices, payments, and expenses straight from your phone. - [Starling vs Monzo Business Account - Which One Is Right for You?](https://anna.money/blog/guides/starling-vs-monzo-business-account/): Looking for a business account you can run from your phone – without losing your mind? Starling and Monzo are two of the UK’s digital banking darlings – sleek, modern, and made for businesses on the move. - [Mettle vs NatWest business account – which one should you choose?](https://anna.money/blog/guides/mettle-vs-natwest-business-account/): Looking for a business account that actually fits the way you work? [Mettle](https://anna.money/blog/guides/how-to-open-mettle-Bank-business-account/) and [NatWest](https://anna.money/blog/guides/how-to-open-natwest-business-account/) both serve small businesses in the UK – but they do it in very different ways. - [Starling vs Tide vs Revolut business account – which one should you choose?](https://anna.money/blog/guides/starling-vs-tide-vs-revolut-business-account/): Looking for a business account that won’t make life harder than it has to be? [Starling](https://anna.money/blog/guides/how-to-open-starling-business-account/), [Tide](https://anna.money/blog/guides/how-to-open-tide-business-account-online/) and [Revolut](https://anna.money/blog/guides/how-to-open-revolut-business-account/) are three of the most popular digital options for UK businesses. Each offers quick setup, sleek apps and helpful tools to keep your business finances running smoothly – but the differences become clear once you look closer. - [Tide vs Wise Business Account – which one should you choose?](https://anna.money/blog/guides/tide-vs-wise-business-account/): Looking for a business account that doesn’t make life harder than it has to be? [Tide](https://anna.money/blog/guides/how-to-open-tide-business-account-online/) and [Wise](https://anna.money/blog/guides/how-to-open-wise-business-account/) are two of the most popular app-based options in the UK – both digital, both modern, both designed for people who run their business from their phone. - [Wise vs Monzo business account – which one should you choose?](https://anna.money/blog/guides/wise-vs-monzo-business-account/): Looking for a business account that makes managing international and domestic payments easy? [Wise](https://anna.money/blog/guides/how-to-open-wise-business-account/) and [Monzo](https://anna.money/blog/guides/how-to-open-monzo-business-account/) are two of the most recognisable names in the UK fintech space – both digital, both designed for small businesses, and both promising to simplify how you move and manage your money. - [How to open an HSBC Business Account Online? (Updated 2026)](https://anna.money/blog/guides/how-to-open-an-hsbc-business-account-online/): HSBC is one of the largest international banks in the world, and their business banking services are widely used by entrepreneurs and SMEs. But is an HSBC bank business account right for you? In this review, we’ll guide you through how to open an HSBC business account, explore account types, fees, and compare HSBC with modern alternatives like ANNA. We’ll also give a real example of a small coffee shop transaction activity and charges. - [How to Start a Property Development Business in 2026 [Definitive Guide]](https://anna.money/blog/guides/how-to-start-property-developer-business/): Discover how to start a property development business in the UK, covering funding, permits, growth strategies, and market opportunities. - [How to Start a Food Truck Business: Complete UK Startup Guide](https://anna.money/blog/guides/how-to-start-a-food-truck-business/): Explore how to start a food truck business in the UK with guidance on costs, licences, setup, and tips to attract customers and grow successfully. - [How to Choose the Best MTD Bridging Software [+Comparison]](https://anna.money/blog/guides/mtd-bridging-software/): Learn how to choose the MTD bridging software and find the right tool to stay compliant, simplify submissions, and manage your tax reporting. - [How to prepare your small business for Brexit (without the help of a crystal ball)](https://anna.money/blog/guides/how-to-prepare-your-small-business-for-brexit/): Just what the @£&! is going to happen after Brexit? We’re not going to go all Mystic Meg on you and pretend we know. But with the government’s Withdrawal Bill well on its way to becoming law, we’re all but certain to leave on 31 January. We look at the current state of play, the likely scenarios that could pan out, and what you can do to prepare your business – deal or no deal. - [An update during the Coronavirus (COVID-19) outbreak](https://anna.money/blog/updates/an-update-during-the-coronavirus-covid-19-outbreak/): Hello. We wanted to keep you updated during the Coronavirus (COVID-19) outbreak. - [ANNA ranked #208 in Deloitte's EMEA Technology Fast 500](https://anna.money/blog/updates/anna-in-deloitte-fast-500-2026/): Well, this is awkward. We were just minding our own business helping people sort out their business finances, and now we've ended up on Deloitte's EMEA Technology Fast 500 list. ANNA has been ranked #208 among the fastest-growing technology companies across Europe, the Middle East and Africa, with growth of 778.73%. Forgive us for saying: wow! - [Introducing Stripe payments integration to ANNA](https://anna.money/blog/updates/introducing-stripe-payments-integration-to-anna/): We’re excited to introduce another way for ANNA customers to get paid. ANNA’s new integration with Stripe allows customers to pay you quickly and easily through a credit card form on your website. Even better, ANNA has simplified the Stripe onboarding process so you can get set up in no time. - [Are you eligible for the Self Employment Income Support Scheme (SEISS) grant?](https://anna.money/blog/guides/self-employment-income-support-scheme-eligibility/): As Britain returns to lockdown, it’s a tough time for the self-employed but the good news is that the government has announced the extension of the Self Employment Income Support Scheme (SEISS). The grant will cover the period from 1 November to 31 January 2021. - [Mastercard launches Strive UK scheme to support small businesses](https://anna.money/blog/guides/mastercard-launches-strive-uk-scheme-to-support-small/): One of the biggest challenges for small businesses is understanding the digital economy. That’s why ANNA’s partner Mastercard has launched a new programme to digitally empower 650,000 of the UK’s small businesses. They’re supplying free guidance, helpful tools, personalised, one-to-one mentoring and grants. - [Most Profitable Business in the UK: Top 20 Ideas for 2026](https://anna.money/blog/guides/most-profitable-business-in-uk/): Discover the most profitable business in the UK and learn how to turn your skills into a thriving venture with low costs and high growth potential. - [How has the British wedding industry coped with Covid?](https://anna.money/blog/interviews/how-wedding-industry-coped-with-covid/): British businesses of all shapes and sizes have been affected by the pandemic. The wedding industry has been [particularly badly hit](https://www.theguardian.com/lifeandstyle/2020/sep/28/wedding-suppliers-despair-at-covid-restrictions) – it’s an industry of 400,000 people that ground to a halt almost overnight. We wanted to take a closer look at how the wedding industry has coped, and how it’s evolving to keep up with changing regulations (right now weddings can take place with a maximum of 30 guests). We spoke to everyone from DJs to caterers about how their businesses have been affected over the last 18 months. - [We can help with your Self Assessment](https://anna.money/blog/updates/we-can-help-with-your-self-assessment/): Unlike last year, the deadline for filing and paying your Self Assessment tax return is back to its usual date of 31 January. HMRC reports that almost half of the taxpayers have already filed their returns, but still that leaves another six million people who haven’t. The good news is that late filing and late payment penalties are to be waived for one month for Self Assessment taxpayers, but that still doesn’t leave you with much time. - [What Is a Charge on Companies House? [Fully Explained]](https://anna.money/blog/guides/what-is-a-charge-on-companies-house/): Learn what is a charge on Companies House and understand how it protects lenders, affects your assets, and shapes your business decisions. - [How to Start a Hand Car Wash Business in the UK [Full Guide]](https://anna.money/blog/guides/how-to-start-a-hand-car-wash-business-in-uk/): Learn how to start a hand car wash business in the UK and build a profitable, compliant service that attracts loyal drivers and grows with you. - [Accounting Automation: Benefits, Tools & Real Examples](https://anna.money/blog/guides/accounting-automation-benefits/): Explore the accounting automation benefits to save time, reduce manual errors, improve financial visibility, and help your business scale efficiently. - [Accounting Automation Software: Top 8 Tools Compared](https://anna.money/blog/guides/accounting-automation-software/): Discover the best accounting automation software to reduce manual bookkeeping, improve financial accuracy, and keep your business finances organised. - [5 Best Xero Alternatives for Small Businesses in 2026](https://anna.money/blog/guides/xero-alternatives/): Explore Xero alternatives to simplify accounting, automate financial admin, improve tax visibility, and spend less time managing your books. - [10 Best Accounting Software for Small Businesses [Comparison]](https://anna.money/blog/guides/accounting-software-for-small-business/): Discover the best accounting software for small businesses to automate financial tasks, improve cash flow visibility, and simplify everyday bookkeeping. - [6 Best Self Assessment Tax Software for UK Users [Comparison]](https://anna.money/blog/guides/self-assessment-tax-software/): Discover the best Self Assessment tax software to simplify tax filing, stay compliant, track obligations year-round, and reduce administrative stress. - [How to Register for Self Assessment with HMRC [Complete Guide]](https://anna.money/blog/guides/how-to-register-for-self-assessment-hmrc/): Learn how to register for Self Assessment with HMRC, understand your obligations, avoid common mistakes, and stay compliant with tax requirements. - [Xero vs QuickBooks: Which Is Better for UK Businesses?](https://anna.money/blog/guides/xero-vs-quickbooks-for-uk-businesses/): Compare Xero vs QuickBooks for UK businesses to find the right accounting solution for invoicing, VAT compliance, reporting, and long-term growth. - [Xero Accounting Software 2026 Review: Features & Pricing](https://anna.money/blog/guides/xero-accounting-software-review/): Explore a complete Xero accounting software review to understand its features, pricing, strengths, and whether it fits your business needs. - [FreshBooks vs Xero: Accounting Software Fully Compared](https://anna.money/blog/guides/freshbooks-vs-xero/): Compare FreshBooks vs Xero to find the right accounting software for invoicing, VAT compliance, reporting, and supporting your business as it grows. - [5 Best ClearBooks Alternatives for UK Businesses [Comparison]](https://anna.money/blog/guides/clearbooks-alternatives/): Explore the best ClearBooks alternatives to simplify accounting, automate tax compliance, reduce manual admin, and gain better control of finances. - [Self Assessment Tax Return Deadlines & Processes [Explained]](https://anna.money/blog/guides/self-assessment-tax-return-deadlines/): Learn more about Self Assessment tax deadlines to stay compliant, avoid penalties, plan ahead with confidence, and make tax filing far less stressful. - [Self Assessment Late Filing Penalties: What You Need to Know](https://anna.money/blog/guides/self-assessment-late-filing-penalties/): Explore everything you need to know about Self Assessment late filing penalties to avoid costly mistakes and manage tax deadlines with confidence. - [How to Appeal a Self Assessment Penalty: Step-by-Step Guide](https://anna.money/blog/guides/appeal-self-assessment-penalty/): Discover how to appeal a Self Assessment penalty, understand what counts as a valid excuse, and improve your chances of a successful outcome. - [How to File a Self Assessment as a Sole Trader [Full Guide]](https://anna.money/blog/guides/sole-trader-self-assessment/): Learn how to file a sole trader Self Assessment, stay compliant with HMRC requirements, avoid common mistakes, and make tax filing easier. - [How to Close a Self Assessment Account: The Process Explained](https://anna.money/blog/guides/how-to-close-self-assessment-account/): Discover how to close a Self Assessment account, understand your final tax obligations, avoid penalties, and ensure a smooth transition with HMRC. - [How to Amend a Self Assessment Tax Return After Filing It?](https://anna.money/blog/guides/how-to-amend-a-self-assessment-tax-return/): Explore how to amend a Self Assessment tax return, correct mistakes, update financial information, and keep your tax records accurate and compliant. - [Self Assessment Tax Return for 2026 [Complete Guide]](https://anna.money/blog/guides/self-assessment-tax-return/): Learn everything you need to know about Self Assessment tax returns, from filing requirements and deadlines to expenses, compliance, and tax planning. - [UK HMRC Mileage Rates and Allowances for 2026](https://anna.money/blog/guides/hmrc-mileage-rates-and-allowances-in-the-uk/): If you’re covering a lot of work-related miles, understanding HMRC mileage rates and allowances is incredibly important. As a business owner, freelancer or employee, you’re entitled to reimbursement for travel expenses. Being fairly compensated is crucial for your business (and bank balance), but what do the 2026 mileage rates mean for you? - [Starling vs Monzo vs Revolut Business Account – which one should you choose?](https://anna.money/blog/guides/starling-vs-monzo-vs-revolut-business-account/): Looking for a business account that doesn’t make life harder than it has to be? [Starling](https://anna.money/blog/guides/how-to-open-starling-business-account/), [Monzo](https://anna.money/blog/guides/how-to-open-monzo-business-account/) and [Revolut](https://anna.money/blog/guides/how-to-open-revolut-business-account/) are three of the most popular digital-first options in the UK – app-based, modern, and built for business owners who want to manage everything from their phone. - [What Is a P60 Form and How Do You Get One?](https://anna.money/blog/guides/what-is-a-p60-form-and-how-do-i-get-one/): A P60 form is something that most UK employers and employees will be familiar with, but do you actually know what it’s used for and why you might receive one? - [What is a P45 Form and How Do I Get One?](https://anna.money/blog/guides/what-is-a-p45-form-and-how-do-i-get-one/): Do you know what your P45 is for and where it comes from? Let’s take a closer look. - [What is a sort code and account number in UK banking?](https://anna.money/blog/guides/what-is-a-sort-code-and-account-number-in-uk-banking/): Starting a UK business for the first time? You’re going to [need a business account](https://anna.money/blog/guides/do-i-need-a-business-bank-account/) to accept payments and pay bills. There are two elements to a business account in the UK: a sort code and a bank account number. Let’s break down both elements to make sure you know exactly what you’re getting. - [What is a UTR Number and How To Get and Find It in 2026?](https://anna.money/blog/guides/unique-taxpayer-reference-utr-number/): If you’re self-employed or a business owner in the UK, a UTR number (or “unique tax reference number”) is a must for filing taxes. You may also need one as an employee if HMRC requires you to submit a Self Assessment tax return – for example, where your income exceeds £100,000 through PAYE or you meet other Self Assessment criteria. The number serves as an identifier for self-employed individuals and companies, allowing HMRC to identify and track them. - [6 Tips to Start a Vending Machine Business in the UK [Definitive Guide]](https://anna.money/blog/guides/how-to-start-a-vending-machine-business-uk/): Discover how to start a vending machine business in the UK with tips on products, locations, legal setup, and strategies for long term success. - [Top 5 Tide Alternatives & Competitors in 2026 [Compared]](https://anna.money/blog/guides/tide-alternatives/): Explore the best Tide alternatives to find a business account that simplifies admin, supports growth, and helps you manage finances more efficiently. - [What types of payment can I make with ANNA?](https://anna.money/blog/guides/what-types-of-payment-can-i-make-with-anna/): There are lots of ways that you can make and accept payments from your ANNA account. Your choice of method will almost certainly depend on the type of business you run; a graphic design company will probably use different payment methods to a food truck. Here’s a guide to all the types of payment ANNA supports – so you can pay and get paid quickly, easily and securely. - [Xero vs Sage Intacct: Which Is Best for MTD in 2026?](https://anna.money/blog/guides/xero-vs-sage-intacct/): Compare Xero vs Sage Intacct to find the right accounting solution for your business, balancing compliance, automation, reporting, and ease of use. - [Making Tax Digital for Taxi Drivers: What You Need to Know?](https://anna.money/blog/guides/making-tax-digital-for-taxi-drivers/): Learn what you need to know about Making Tax Digital for taxi drivers to stay compliant, track expenses efficiently, and avoid unnecessary stress. - [Making Tax Digital for Consultants: A Complete 2026 Guide](https://anna.money/blog/guides/making-tax-digital-for-consultants/): Learn what you need to know about Making Tax Digital for consultants to stay compliant, simplify tax reporting, and manage your finances. - [How to Get SC Clearance UK [Step-by-Step Complete Guide]](https://anna.money/blog/guides/how-to-get-sc-clearance-uk/): Discover how to get SC clearance with clear steps, eligibility guidance, and tips to handle vetting and maintain your trusted status smoothly. - [150 Unique One Word Business Name Ideas for Your Brand](https://anna.money/blog/guides/one-word-business-name-ideas/): Explore one-word business name ideas that inspire creativity, reflect your brand’s personality, and make your business truly unforgettable. - [12 Business Ideas for Stay-at-Home Mums in the UK [2026]](https://anna.money/blog/guides/business-ideas-for-stay-at-home-mums-uk/): Discover the best business ideas for stay-at-home mums in the UK and learn how to turn your skills into income while balancing family life. - [160+ Business Names for Your Thrift Store [Ideas List]](https://anna.money/blog/guides/thrift-store-names/): Explore thrift store business names that spark curiosity, reflect your mission, and help your shop stand out with charm, style, and purpose. - [100+ Creative Dog Walking Business Names for Pet Lovers](https://anna.money/blog/guides/dog-walking-business-names/): Discover the best creative dog walking business names to help you stand out, attract clients, and build a trusted, memorable pet care brand. - [VAT Registration number in the UK: a comprehensive guide](https://anna.money/blog/guides/vat-registration-number/): Businesses in the UK with a turnover of over [£90,000](https://anna.money/blog/guides/what-is-the-vat-registration-threshold-in-the-uk/) are legally required to register for VAT, and are issued a VAT Registration Number (VRN). Companies can also voluntarily register for a VRN if they want. But what does VAT registration mean for your business? ANNA is here to help explain what becoming registered for VAT means for you. - [What is a D-U-N-S Number and How to Get One for Your UK Business](https://anna.money/blog/guides/duns-number-uk/): Discover what is a D-U-N-S number and how this unique business ID can boost your credibility, unlock funding, and support long-term growth. - [Becoming an ANNA Introducer](https://anna.money/blog/updates/becoming-an-anna-introducer/): Did you know ANNA has an introducer programme? It lets you refer businesses and sole traders to ANNA – and get paid for it. Once you've registered as an ANNA Introducer, you can earn up to £200 for every limited company you bring on board, plus rewards for sole traders, free company formations and Auto Accountant subscriptions. Here's how it works. - [Free Self Assessment Software: What Are Your Options?](https://anna.money/blog/guides/free-self-assessment-software/): Explore top free Self Assessment software and find the right tool to prepare file and manage your tax return while staying compliant and organised. - [AI Accounting Automation: Use Cases & Benefits Explained](https://anna.money/blog/guides/accounting-automation-ai/): Learn how AI accounting automation can streamline your bookkeeping, improve accuracy, strengthen compliance, and give you clearer financial insights. - [8 Key Benefits of Accounting Software for Growing Businesses](https://anna.money/blog/guides/benefits-of-accounting-software/): Discover the benefits of accounting software and see how you can improve accuracy, boost efficiency, and gain real-time financial insight for growth. - [How Will Automation Affect Accounting in 2026? [Full Guide]](https://anna.money/blog/guides/how-will-automation-affect-accounting/): Explore how automation will affect accounting and how you can improve efficiency, reduce errors, and focus on strategic financial decisions. - [The Best Business Bank Accounts in the UK: A guide for 2026](https://anna.money/blog/guides/best-business-bank-accounts/): As a business owner, you know how important it is to make the right choices when it comes to your finances. There are seemingly countless business banking options in the UK, and the choice can feel overwhelming, so it’s useful to compare features, fees and services to work out which account is the best fit for your business. In this guide, we’re looking at the best business bank accounts in 2026 to try to show you which of the options available might work best for you. - [Comparing the Best Business Bank Accounts for Startups](https://anna.money/blog/guides/best-business-bank-accounts-for-startups/): Starting a business is full of decisions. Choosing the right business account shouldn't be one of the harder ones – but with dozens of options out there, it's easy to end up confused, overcharged, or stuck with an account that doesn't fit. This guide covers the best business bank accounts for startups in the UK, from big high street names to digital-first challengers. So you can compare what matters and open the right account for your business. - [Do I need a business bank account as a sole trader or limited company?](https://anna.money/blog/guides/do-i-need-a-business-bank-account/): So you’ve taken the plunge and finally set up your own business – hooray! As you start to bring money in (and spend it) you’ll want to keep your finances organised so you don’t drown in admin. One solution is opening a business bank account – and whether you're a sole trader, freelancer, or limited company, the rules are slightly different for each. In some cases, it's even a legal requirement. To get the full lowdown on opening a business bank account, we chatted to our friend Laura Stacey, an FCCA qualified accountant with 20 years of experience. - [7 Best Software Options for Making Tax Digital for VAT in 2026](https://anna.money/blog/guides/best-software-for-making-tax-digital-for-vat/): Explore the best software for Making Tax Digital for VAT and learn how you can stay compliant, automate returns, and manage your finances easily. - [ANNA vs Tide Business Account](https://anna.money/blog/guides/anna-vs-tide/): Deciding how to choose the right business account can be daunting. There are so many features, all worded differently, which makes it confusing to compare each account and work out which is right for your business. We’re taking the hassle out of making this decision by comparing some of ANNA’s features with the features offered by other accounts. Read on for our no nonsense comparison with Tide. - [Barclays vs NatWest business account – which one should you choose?](https://anna.money/blog/guides/barclays-vs-natwest-business-account/): Looking for a business account that supports your company’s early growth without piling on costs? [Barclays](https://anna.money/blog/guides/how-to-open-a-barclays-business-account/) and [NatWest](https://anna.money/blog/guides/how-to-open-natwest-business-account/) both offer start-up business accounts designed to give new businesses a head start, complete with fee-free periods and essential tools to manage cash flow. - [What Is Process Automation in Accounting? [Explained]](https://anna.money/blog/guides/what-is-process-automation-in-accounting/): Discover what process automation in accounting is and how you can reduce manual work, improve accuracy, and streamline your financial workflows. - [Paying Taxes as a Small Business: What You Need to Know?](https://anna.money/blog/guides/paying-taxes-on-a-small-business/): Learn what you need to know about paying taxes on a small business to stay compliant, manage deadlines, track obligations, and avoid costly mistakes. ## Optional - [ANNA — The Business Account That Does Your Taxes](https://anna.money/): ANNA is the UK business account that does your accounting and tax filing to HMRC automatically. ANNA business account is best for sole traders, start ups and limited companies. - [Inbound and outbound payment currencies](https://anna.money/business-account/currencies/): The current lists of currencies you can send and receive payments in from and to your ANNA Money account. - [Introducers | ANNA Money](https://anna.money/introducers/): Refer people to ANNA and earn money as they open their business account with us. - [Ethics Statement | ANNA](https://anna.money/ethics-statement/): This policy outlines how our values and ethics shape our business and the way we work. - [Register A Limited Company As A Landlord | ANNA #1 Company Registration](https://anna.money/register-a-company/landlord-nrla/): Register your landlord business as a limited company for free with ANNA company registration service. With ANNA you will also get a business account that calculates your taxes. - [Company registration terms and conditions | ANNA](https://anna.money/terms-formations/): Terms and conditions of ANNA’s company registration service - [Company formation refund policy | ANNA](https://anna.money/refund-policy/): This policy outlines the circumstances under which refunds may be issued for services purchased during the company registration process with ANNA. - [ANNA — Complaints policy](https://anna.money/complaints-policy/): What to do if we break a promise. - [ANNA — Cookie policy](https://anna.money/cookie-policy/): We place cookie files on your computer and use them to fine-tune our ads across the Internet. Here are the details. - [Compare The Best Business Bank Accounts UK | April 2025](https://anna.money/business-account/compare-bank-accounts/): Looking for the best business bank account in the UK? Compare top business bank accounts and choose the right one for you based on price, functionalities, customer support and Trustpilot reviews. - [Business account pricing | ANNA](https://anna.money/pricing/): The ANNA business account has 3 pricing plans, one for every stage of your business’s lifecycle. All the pricing plans give you a month free, so you can make sure you really like us. - [ANNA — Privacy policy](https://anna.money/privacy-policy/): What data we store about you, how we treat it and what you can do about it. - [Same day incorporation at Companies House](https://anna.money/register-a-company/same-day-incorporation/): Get your UK limited company registered & business account opened the same day with ANNA. Apply by 3pm for fast, hassle-free setup with Companies House - [ANNA — Press area](https://anna.money/press/): ANNA overview and contact info for press enquiries. - [ANNA for accountants](https://anna.money/anna-for-accountants/): ANNA makes accountants’ lives easier: we nudge sole traders and limited company owners to scan receipts and connect them to account transactions, export data to Xero, instantly share bank statements, and provide a free company formation tool and access to IBIS World. - [Terms and conditions | ANNA](https://anna.money/terms-business-tools/): ANNA’s terms and conditions of service - [Terms and conditions | ANNA](https://anna.money/terms-and-conditions/): ANNA’s terms and conditions of service - [Get full company secretary service | ANNA](https://anna.money/register-a-company/secretary-services/): Simplify the process of managing your company in the UK with ANNA’s Company Secretary Service. Stay compliant, organised, and stress-free with expert support tailored to your business needs. - [Marketplace](https://anna.money/partner-offers/): Discover exclusive deals and offers for freelancers and small businesses from ANNA’s partners, from funding to training and business perks. - [Sending and receiving foreign payments](https://anna.money/foreign-payments/): The current lists of countries you can send and receive payments in foreign currencies from and to your ANNA Money account. - [Receipt Scanner for Business | ANNA](https://anna.money/receipt-scanner/): Simplify your small business admin with automated bookkeeping, receipt scanner and recognition, and expense categorisation. - [ANNA live status](https://anna.money/status/): Live status of ANNA systems and chat reply times. - [ANNA — Account limits](https://anna.money/account-limits/): ANNA has a range of accounts depending on the size and needs of your business. - [ANNA — Work with us](https://anna.money/careers/): Join ANNA and help us build the best business admin assistant. - [Vulnerable Customer Policy | ANNA](https://anna.money/vulnerable-customer-policy/): At ANNA, we’re committed to making sure that all customers, including vulnerable customers, are treated fairly and have equal access to ANNA’s products and services. This policy sets out our expectations when dealing with vulnerable customers. - [ANNA — Customer agreement](https://anna.money/customer-agreement/): What we as a company offer you as a customer. - [ANNA Business Tools – Making Tax Digital Bookkeeping Software](https://anna.money/business-tools/): Create invoices, file VAT return to HMRC, manage receipts, and store documents with ANNA Business Tools – MTD compliant bookkeeping software for small businesses. - [ANNA +Taxes One Place For All Your Business Accounting](https://anna.money/plus-taxes/): ANNA +Taxes is an accounting software that helps you to calculate and file all your taxes automatically and stay compliant with HMRC. We will get your Payroll, VAT filing and Corporation tax covered, alongside with all the necessary registrations for the new businesses and confirmation statement. - [Register an ecommerce business | UK E-commerce Company Formation | ANNA](https://anna.money/register-a-company/ecommerce/): Register an ecommerce business for free in 3 simple steps and get a business account that calculates your taxes. - [ANNA — About us](https://anna.money/about/): Meet the people building ANNA. - [UK VAT Registration Online | HMRC VAT Services | ANNA](https://anna.money/register-a-company/vat-registration/): Register for VAT online with ANNA Money. Expert HMRC VAT registration service from £35, plus automated VAT returns and calculations. Get your VAT number hassle-free. - [ANNA — Tax reminders & estimations](https://anna.money/tax-services/): ANNA calculates your taxes and reminds you of HMRC requirements based on your tax profile. - [Payroll Software for UK Small Businesses | ANNA](https://anna.money/plus-taxes/payroll/): Paying yourself a salary or bringing in new employees? ANNA Payroll is HMRC-recognised payroll software for small businesses. It’s easy to set up and just as easy to use. - [Invoicing software | Invoice Creation Software for Small Businesses](https://anna.money/invoicing-software/): Create and send custom invoices straight from your ANNA mobile business account. - [ANNA — Get in touch](https://anna.money/contact/): ANNA’s contact details for all sorts of occasions. - [Register a company | UK Company Formation | ANNA](https://anna.money/register-a-company/): Register a company for free in 3 simple steps and get a business account that calculates your taxes. - [Open a UK Business Account Online | Free to Start](https://anna.money/business-account/): Open your business account online in under 10 minutes. Free to start, expense card in 2-3 days, flexible plans as your company or small business grows. - [Virtual Office London: Registered Office Address Service UK](https://anna.money/register-a-company/virtual-office/): Get a prestigious London registered office address for your UK business. Secure mail handling, real-time scanning, and enhanced privacy, all from £15/month. Start with ANNA Money today. - [Confirmation Statement Filing: CS01 Online | Companies House](https://anna.money/plus-taxes/confirmation-statement/): File your annual confirmation statement (CS01) online with ANNA Money. Quick and simple Companies House filing from £34. Expert support included. - [ANNA for accountants](https://anna.money/anna-for-accountants/demo/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [Supported countries for inbound payments | ANNA](https://anna.money/inbound-payments-supported-countries/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [Apple Pay for your ANNA account](https://anna.money/business-account/apple-pay/): ANNA Money business debit card can be added to your Apple Wallet. Make contactless payments with Apple Pay to cover your business expenses and purchases. - [Supported currencies for inbound payments | ANNA](https://anna.money/business-account/currencies/inbound/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [Google Pay for your ANNA account](https://anna.money/business-account/google-pay/): ANNA Money business account supports Google Pay. Add ANNA business debit card to the Google Pay app and tap-and-pay for your business expenses wherever contactless payments are accepted. - [Small Business Loans](https://anna.money/business-account/loans/): Open a business account with ANNA to get multiple small business loans options. ANNA will help you to improve your business credit score and manage cash flow. - [Create an ANNA account](https://anna.money/sign-up/): Start a business account with ANNA in mere minutes - [Register Your Business — The simple, free way to register your new company](https://formation.anna.money/): Register your business quickly and for free with ANNA Money. Our simple online service makes starting your new company effortless — no hidden fees, no stress. - [Supported currencies for outbound payments | ANNA](https://anna.money/business-account/currencies/outbound/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [Ecommerce bookkeeping integrations with ANNA Business Tools](https://anna.money/business-tools/business-integrations/): Connect your Shopify or WooCommerce store to ANNA Business Tools and calculate VAT automatically, file VAT return to HMRC, import receipts & export statements. - [All about ANNA](https://anna.money/careers/all-about-anna/): The rules, processes and perks of working at ANNA. - [ANNA Accountant directory](https://anna.money/anna-for-accountants/database/): Get access to ANNA's customer base of over 45,000 small businesses located in the UK by using ANNA For Accountants service - [Supported countries for outbound payments | ANNA](https://anna.money/outbound-payments-supported-countries/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [MTD VAT Filing to HMRC with ANNA +Taxes](https://anna.money/business-tools/vat-filing/): Calculate and File VAT return online to HMRC with ANNA Business Tools, Making Tax Digital compliant bookkeeping software for sole traders and small businesses. - [International Business Payments & Money Transfers in the UK](https://anna.money/business-account/international-business-payments/): Use your ANNA business account to hold, send, receive and exchange foreign currencies. - [Identity Verification for Companies House | ANNA Money](https://anna.money/register-a-company/companies-house-identity-verification/): Get your identity verified with ANNA when you register your company – fast, easy, and authorised by Companies House. - [Business Account for Sole Trader and Self Employed in the UK](https://anna.money/business-account/sole-trader-self-employed/): Open an ANNA Money UK business account for sole traders and the self-employed. Automate your tax calculations and filings – fast, easy, and HMRC-compliant. - [Business Account with Payment Link | ANNA Money](https://anna.money/business-account/payment-link/): Open an ANNA Money UK business account and get a unique payment link to accept payments from your clients. Automate your tax calculations and filings – fast, easy, and HMRC-compliant. - [Business Account with Smart Money Pots | ANNA Money](https://anna.money/business-account/money-pots/): ANNA Money is a business account that comes with smart pots to help you organise your money for tax or bills. Automate saving into them, and spend directly from a pot when a payment is due – so your money is always set aside, clearly organised, and ready when you need it. - [Open Business Account for Limited companies in UK | ANNA](https://anna.money/business-account/limited-companies/): Open an ANNA Money UK business account for limited companies. Automate your tax calculations and filings – fast, easy, and HMRC-compliant. - [Open Business Account with team access in the UK | ANNA](https://anna.money/business-account/team-access/): ANNA is the business account with adjustable access for multiple team members, directors and managers, with ability to issue business expense cards. VAT return filing, PAYE, Payroll and more are available with +Taxes add-on. - [Business Account for Start Up in the UK | ANNA Money](https://anna.money/business-account/start-up/): Get a fast, intuitive online business account for UK startups – with clear transaction history, accounting tools, built-in integrations, and 24/7 support. - [Business Savings Account | ANNA](https://anna.money/business-account/savings-business-bank-account/): Earn 3.66% AER (variable) on your business savings with ANNA. Easy access, FSCS protected up to £120,000, and tax on interest calculated automatically. Open in under 10 minutes. - [File Company Tax Return (CT600) Online | ANNA](https://anna.money/plus-taxes/file-company-tax-return/): File your company tax return online with ANNA. Auto Accountant prepares your CT600, Annual Accounts and bookkeeping automatically – then submits to HMRC and Companies House. HMRC-recognised. - [MTD for Landlords | ANNA](https://anna.money/plus-taxes/mtd-for-landlords/): Connect your bank and HMRC accounts and ANNA files your landlord MTD ITSA quarterly updates and final declaration automatically. Free for 2026–2027. - [MTD ITSA Bridging Software | ANNA](https://anna.money/plus-taxes/mtd-itsa-bridging-software/): Use ANNA’s free MTD ITSA template to categorise transactions and file your quarterly update directly to HMRC. HMRC-recognised bridging software. - [Self Assessment Filing | ANNA](https://anna.money/plus-taxes/self-assessment/): Get ready for Making Tax Digital 2026 requirements for UK sole traders and file your Self Assessment to HMRC online with ANNA. - [VAT Filing to HMRC | ANNA](https://anna.money/plus-taxes/vat-filing/): File your VAT return with HMRC automatically. ANNA's Auto Accountant tracks transactions, prepares your return, and files directly to HMRC – MTD compliant. - [Savings Account Terms & Conditions | ANNA](https://anna.money/terms-and-conditions-savings/): Read ANNA’s Account Terms & Conditions, including account usage, card management, fees, liability, and customer rights. Stay informed and secure with ANNA.