# 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. ## 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 - [Becoming an ANNA Introducer](https://anna.money/blog/updates/becoming-an-anna-introducer/): Did you know that ANNA now has an introducer programme? It enables you to refer businesses or sole traders to ANNA – and get paid for it. After you’ve registered as an ANNA Introducer, you get £100 for every customer you sign up for an ANNA business account or +Taxes account. - [ANNA updates | ANNA Blog](https://anna.money/blog/category/updates/): Updates from the ANNA team - [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/): ANNA is now part of the Confirmation of Payee scheme. When your customers want to pay you, they can check they’re transferring their money to the right account. - [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/): ANNA’s detailed guide to expenses to claim when you’re self employed. Useful business tips on how to save yourself some tax. - [How to open Monzo business account: In-Depth Review, Pros & Cons](https://anna.money/blog/guides/how-to-open-monzo-business-account/): Has Monzo’s simplified approach to banking caught your eye? We’ll break down everything you need to know about opening a business account with this challenger bank. - [How to Start a Dog Walking Business in the UK? [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. - [Company Registration Number (CRN) In The UK – What Is It?](https://anna.money/blog/guides/company-registration-number-crn-in-the-uk-what-is-it/): If you’re about to start a new company, you will come across the term Company Registration Number (CRN). Wondering what it is? We’ve got you covered. - [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. - [How to Start a Business in the UK – Guide for 2025 | ANNA](https://anna.money/blog/guides/how-to-start-a-business-uk/): Starting a business can be daunting, so a systematic approach is a must. Our step-by-step guide walks you through research, registration, branding, and more. - [40 Best Cleaning Business Names to Get Inspired in 2025](https://anna.money/blog/reviews/cleaning-business-names/): Discover cleaning business name ideas with catchy, classy, or eco-friendly options that make your brand memorable and easy to recognize. - [What is FSCS protection? Compensation Scheme and Limits Explained](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. - [UK limited company advantages and disadvantages in 2025](https://anna.money/blog/guides/uk-limited-company-advantages-disadvantages-2024/): Should I be a sole trader or a limited company? Advantages and disadvantages of setting up a limited company in 2025 – tax efficiency, legal aspects and admin - [Quizzes | ANNA Blog](https://anna.money/blog/category/quizzes/): Test yourself with business quizzes at the ANNA Money blog. - [Put money to one side with Pots](https://anna.money/blog/updates/put-money-to-one-side-with-pots/): 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). - [Guides | ANNA Blog](https://anna.money/blog/category/guides/): How-to guides on everything business from the ANNA team and invited experts. - [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/): 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. - [How do you calculate working from home expenses for tax?](https://anna.money/blog/guides/how-do-you-calculate-working-from-home-expenses/): A simple guide to calculating your home office expenses for sole traders and limited companies. Learn how to use simplified expenses, and how and why you can rent your home to your own limited company. - [What is the VAT Threshold and When do you have to register for VAT in the UK? | ANNA](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. - [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. - [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. - [How to Start a Recruitment Agency in 9 Easy Steps](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. - [How to Start a Natural Skin Care Business in the UK](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 Register A Business in The UK | ANNA Money](https://anna.money/blog/guides/register-a-business/): Extensive guide on how to start and register a business in the UK: everything you need to know, from company registration to record keeping, accounting and taxes. - [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. - [A beginner’s guide to VAT](https://anna.money/blog/guides/beginners-guide-to-vat/): Being VAT registered could bring real financial advantages. Read on for everything you need to know about VAT, but were too afraid to ask. - [Reviews | ANNA Blog](https://anna.money/blog/category/reviews/): Reviews of business tools, books and anything else. Provided by the ANNA Money blog. - [How to Start a Property Development Business in 2025 [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. - [You can now pay cash into ANNA](https://anna.money/blog/updates/new-in-anna-pay-cash-in/): Lots of businesses still trade in cash, and for some time ANNA customers have asked for the ability to pay that cash straight into their ANNA accounts. We’ve listened: You can now pay cash directly into your ANNA account. No more paying it into other accounts and transferring it over (and no more stuffing it under the mattress). - [What is Payroll: How to Pay Employees as a Small Business in the UK](https://anna.money/blog/guides/what-is-payroll-and-how-to-pay-employees/): Polish up your payroll processes in this guide to all must-know info - [How to Start a Painting and Decorating Business [6 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 Dropshipping Business in UK? [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. - [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. - [What is a UTR Number and How To Get and Find It in 2025?](https://anna.money/blog/guides/unique-taxpayer-reference-utr-number/): Learn what a UTR (Unique Taxpayer Reference) number is, why it's important for UK tax purposes, and how to get or find yours quickly through HMRC - [How To Start a Cleaning Business in the UK [2025 Guide]](https://anna.money/blog/guides/how-to-start-a-cleaning-business/): Looking to start a business that makes you your own boss? Here’s our complete guide to how to start a cleaning business in the UK in 2025. - [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 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. - [How to Pay VAT Online: Your Guide to HMRC VAT Payments](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, and what happens if you miss a deadline. - [Introducing ANNA’s new 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. - [Interviews | ANNA Blog](https://anna.money/blog/category/interviews/): Interviews with entrepreneurs and business owners on the ANNA Money blog. - [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. - [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. - [Promoting your eCommerce business beyond Amazon, eBay and Etsy](https://anna.money/blog/reviews/promoting-your-ecommerce-business-beyond-amazon-ebay/): As well as the traditional UK stalwarts like Amazon, eBay and Etsy, there are some new, up-and-coming marketplaces that are worth checking out. Here are ten we recommend taking a closer look at. - [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. If you’re one of those many millions who hasn’t filed their Self Assessment tax return yet, we can help. We can get your receipts and invoices in order, even if you don’t have an ANNA business account. All you need is the free ANNA Admin app and some help from your accountant. - [How to find the right coworking space](https://anna.money/blog/guides/how-to-find-the-right-coworking-space/): A few pointers to consider when finding a suitable coworking space to support your small business growth in 2020. - [How will the government help my business? Now including BBLS update.](https://anna.money/blog/guides/how-will-the-government-help-my-business-bbls/): Government help for businesses is changing all the time, and can be confusing. We have summarised all the available help for businesses in the UK including CBILS, BBLS, SBRR, and the Job retention scheme. - [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. - [Meet Mystic Mog, ANNA’s AI cat astrologist](https://anna.money/blog/updates/meet-mystic-mog-annas-ai-cat-astrologist/): We used OpenAI’s GPT system to create Mystic Mog, the world’s very first business-facing astrological cat, who delivers AI-created astrological insights for your business. - [Instant virtual debit cards](https://anna.money/blog/updates/introducing-free-instant-virtual-debit-cards-from-anna/): Introducing the free instant virtual debit cards that you can use as any other debit card — except there’s no physical card, so it’s ready to use straight away. - [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. - [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… - [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. - [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. - [The benefits of virtual debit cards](https://anna.money/blog/guides/benefits-of-virtual-debit-cards/): You get a virtual debit card when signing up to ANNA, but are the benefits of a virtual debit card? - [Self-Employed National Insurance: How Much to Pay and How to Contribute](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. - [Open a business bank account remotely while everything is on lockdown](https://anna.money/blog/guides/open-a-business-bank-account-remotely/): We will show you how quick and easy it is to open a business account without visiting a branch, and in less than 5 minutes with ANNA. - [What is a Person with significant control (PSC)](https://anna.money/blog/guides/person-with-significant-control-psc/): What is meant by a person with significant control? What are their responsibilities? - [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. - [Meet 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. - [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… - [An update on the Railsbank migration](https://anna.money/blog/updates/an-update-on-railsbank-migration-dec-2020/): Information about debit cards and direct debits - [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. - [Do I need a business bank account? A guide to choosing what you need](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. - [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 a quick tour of how to fill in that 9 boxes spreadsheet. - [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. - [](https://anna.money/blog/guides/how-to-register-as-a-sole-trader-in-the-uk/): - [Simplify expenses with team business debit cards](https://anna.money/blog/updates/bye-bye-petty-cash/): Save yourself the admin of managing everyone’s expenses by giving employees their own ANNA debit cards. Set spending limits and give them access to your ANNA account, so they can do the banking things you do. - [The latest update on our Railsbank migration](https://anna.money/blog/updates/the-latest-update-on-our-railsbank-migration/): Information about debit cards and direct debits - [What is Corporation Tax in the UK - Rates for 2024/25, Deadlines & How to Pay](https://anna.money/blog/guides/corporation-tax-what-you-need-to-know/): Corporation Tax – boring, complicated, not a barrel of laughs. But you can’t avoid it. We promise you it won’t be the cure-for-insomnia that it sounds. - [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 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. - [What is a Confirmation Statement and How to File It Online for Companies House](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. - [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. - [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? - [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. - [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. - [Members' Voluntary Liquidation (MVL) in the UK - Guide for 2025 | ANNA](https://anna.money/blog/guides/members-voluntary-liquidation-mvl/): Dive into the details of Members’ Voluntary Liquidations to find out if it’s the best way to give your firm a clean break. - [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. 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. - [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. - [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. - [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 things 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. - [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 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! - [How to get a mortgage if you’re self-employed](https://anna.money/blog/guides/how-to-get-a-mortgage-if-youre-self-employed/): If you’re self employed, you’re entitled to the same mortgage rates as anyone else. Just be ready to prove your income, and do what you can to improve your chances. - [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. - [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. - [Our integration with Xero just got better](https://anna.money/blog/updates/our-integration-with-xero-just-got-better/): New in our integration: add transaction details and files to Xero automatically and upload cash receipts to Xero from the ANNA app. - [What is Confirmation of Payee? (CoP)](https://anna.money/blog/guides/what-is-confirmation-of-payee/): Confirmation of Payee is a new security check introduced by Pay.UK to reassure anyone banking online that they are actually sending money to the right person. - [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. - [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. - [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. - [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. - [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. - [Updates on our Public Roadmap](https://anna.money/blog/updates/updates-on-our-public-roadmap/): An update on the features we’ve delivered: Direct Debits, Open Banking, Invoicing and Expense Management, and the progress of some other highly requested items. - [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? - [How to open a Barclays Business Account: In-Depth Review, Pros & Cons](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. - [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. - [This married couple run a business together – how do they 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. - [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. - [How to Open HSBC Business Bank Account for Start-up & Small Business | ANNA](https://anna.money/blog/guides/how-to-open-an-hsbc-business-account-online/): HSBC is one of the largest international banks and financial service institutions in the world. They provide lots of different financial products and services and it can be quite hard to navigate through them. In this blog post we’ll try to simplify and summarise HSBC's business banking options, and help you to choose and open a business bank account that fits your needs. We’ll also give a real example of a small coffee shop transaction activity and charges. - [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/): The ANNA support team has been putting measures in place to help customers apply for and receive their CBILS loans and government grants. - [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/): ANNA released the first GPT4-based tax advisor, Tax Terrapin, and tested it with official exams from Association of Taxation Technicians (ATT), Association of Chartered Certified Accountants (ACCA) and The Chartered Institute of Management Accountants (CIMA). We’re now looking to get it certified as an official tax advisor. - [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/): Small business tips for Christmas holidays, realistic business new-year resolutions and planning for 2020. - [Public Liability Insurance – an essential guide](https://anna.money/blog/guides/public-liability-insurance-essentials-guide/): 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. - [How to Open NatWest Business Bank Account 2025: In-Depth Review, Pros & Cons](https://anna.money/blog/reviews/how-to-open-natwest-business-account/): How to open NatWest business bank account in 2025. Everything you need to know before making a final decision - pricing, customer support, perks for business customers and additional features. - [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. - [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! - [The best e-commerce platforms for small businesses](https://anna.money/blog/guides/the-best-e-commerce-platforms-for-small-businesses/): Want to set up your own online store? We compare the leading e-commerce platforms like Shopify and BigCommerce, along with a few alternatives - [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. - [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 corporate catering business. The coronavirus crisis has seen them switch quickly to Feast at Home. - [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. In this post we’ll take a closer look at these costs, using a case study to see how it might affect your business. - [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 book has inspired you? Here are their top reads. - [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/): Keep calm and recharge — what to do when work goes quiet for your small business - [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. - [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. - [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. - [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. - [Pensions for the self-employed. Yes, you need one.](https://anna.money/blog/guides/pensions-for-the-self-employed/): Find out pension options for the self-employed and how to cultivate the pension-saving habit. - [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/): Wondering how to claim Christmas party expenses as a small business? Here’s the full festive lowdown. - [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. - [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... - [5 things to do when you go self employed](https://anna.money/blog/guides/five-things-todo-when-you-go-self-employed/): Register with HMRC, decide if you need VAT, get a business bank account, get insurance and make sure you keep financial records. - [Self-employed mileage and travel expenses guide for freelancers](https://anna.money/blog/guides/self-employed-mileage-and-travel-expenses-guide-for-freelancers/): You can claim back some of your self-employed mileage costs and travel expenses. Let's see how. - [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. - [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 plan your budget as a small business](https://anna.money/blog/guides/how-to-plan-your-budget-as-a-small-business/): 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. - [What types of payment does ANNA support?](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. - [How to Open a Revolut Business Account: In-Depth Review, Pros & Cons](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. - [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. - [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. - [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. - [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. - [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. - [Aftab Hussain | ANNA lead accounting and tax expert](https://anna.money/blog/experts/aftab-hussain/): Aftab is a Lead Accounting and Tax expert at ANNA. He’s a Certified Chartered Accountant with over 18 years experience in the industry. Not only does he have in-depth knowledge of accountancy and taxes, he’s able to communicate his expertise in simple, straightforward ways, so ANNA customers always have a clear understanding of the tax issues that might affect them. - [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? - [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). - [What’s new on the ANNA app](https://anna.money/blog/updates/whats-new-on-the-anna-app/): We’ve been working hard on improvements to our app, so it’s even easier for our customers to manage their businesses. Here’s what’s new on ANNA. - [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/): As a small business owner, it can feel like everything falls on your shoulders – but by using team business expense cards with your ANNA business account, you can save time and empower others to help you manage expense claims. - [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. - [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. - [ANNA vs Tide - Business Accounts Comparison](https://anna.money/blog/guides/anna-vs-tide/): We’re taking the hassle out of choosing the right business account by comparing some of ANNA’s features with the features offered by other accounts. Read on for our no nonsense comparison with Tide. - [10 New Year’s resolutions for the self-employed](https://anna.money/blog/guides/ten-new-years-resolutions-for-the-self-employed/): Power your small business into 2020 with admin-busting new year’s resolutions. - [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/): We talked to Claire Baker, CEO of Claire Baker Boutique HR Consulting, to find out that you do need HR professionals, but not necessarily in the way you might assume. - [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… - [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. - [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. - [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. - [Spring Statement 2025: What does it mean for small businesses?](https://anna.money/blog/guides/spring-statement-2025/): A guide to the Spring Statement 2025 and its impact on small businesses - [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! - [New on ANNA — get paid on the spot by QR code](https://anna.money/blog/updates/new-get-paid-on-the-spot-by-qr-code/): New QR code payments from ANNA allow you to get paid on the spot, simply, securely and commission-free. - [How to write a business plan for a mobile app](https://anna.money/blog/guides/how-to-write-a-business-plan-for-a-mobile-app/): Everything you need to know about writing a mobile app business plan to take your app to the top, from start to (hopefully very profitable) finish. - [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. Here’s 10 places to find alternative work if you need to. - [Using TikTok for your small business](https://anna.money/blog/interviews/using-tiktok-for-your-small-business/): 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. - [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. - [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 about how she started and her experiences running an online store. - [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. - [Coronavirus: 6 Tips to Self Isolate and Keep Working](https://anna.money/blog/guides/coronavirus-6-tips-to-self-isolate-and-keep-working/): How do you adapt to working from your living room rather than the office? - [Quiz: Guess the CEO from their Coronavirus email](https://anna.money/blog/quizzes/guess-the-ceo-from-their-coronavirus-email/): Can you guess which CEO wrote which Coronavirus email? Test your corporate comms knowledge in our quiz! - [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. - [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/): 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 a tax chatbot from HMRC. - [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/): We spoke to Charlotte Jessop, CEO of Looking After Your Pennies, about her popular TikTok account which focuses on personal finance tips. Here’s her advice on making TikTok work for you. - [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/): How do fraudsters target small businesses? And how is ANNA protecting businesses from fraud - [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. - [How to Register Your Company for Corporation Tax Online with HMRC](https://anna.money/blog/guides/corporation-tax-and-your-new-limited-company/): After you registered a limited company on Companies House you need to register for Corporation Tax. - [ANNA in Bloomberg's 25 Startups to watch](https://anna.money/blog/updates/anna-in-bloomberg-top-25-startups-to-watch/): ANNA in Bloomberg's 25 Startups to watch - [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 - [How To Register as a Sole Trader / Self-employed in the UK | ANNA](https://anna.money/blog/guides/register-as-a-sole-trader/): Learn how to register as a sole trader in the UK to start your self-employment journey. In a few simple steps, you’ll be on your way to working on your own terms. - [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. - [11 businesses that were born in a shed](https://anna.money/blog/guides/11-businesses-that-were-born-in-a-shed/): From small beginnings, big businesses come. Read how these 11 brands started off in the humblest surroundings. - [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/): 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. - [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. - [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? - [Money Transfer Scam: How to Avoid Bank and Wire Transfer Scams and Fraud](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. - [What is a CHAPS payment?](https://anna.money/blog/guides/what-is-a-chaps-payment/): Learn the ins and outs of what CHAPS payments are and how they compare to other types of bank transfer And most importantly, how to navigate them for your business. - [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. - [Introducing ANNA integration for WooCommerce](https://anna.money/blog/updates/introducing-anna-integration-for-woocommerce/): Import your WooCommerce sales straight into your ANNA account, and file your VAT return in a few clicks. - [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. - [the Hustle writer: Tess O'Leary](https://anna.money/blog/authors/tess-oleary/): Tess O’Leary is a freelance copywriter and cultural strategist, who is also in the midst of launching a couple of new products – Ore and Hexe. She studied architecture, which was painfully slow, so upped the tempo by migrating to digital design, romping through marketing and communications to reach a happy place in writing, research and product development. - [What Are Business Expenses and What Tax-Deductible Expenses Can I Claim?](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. - [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. - [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? - [We are here, we’re a virtual ear.](https://anna.money/blog/updates/our-customers-and-team-are-our-priority-at-anna/): We wanted to let you know about some new, extra things we’ve introduced to help you during this unprecedented time. - [Get business insurance with Qdos](https://anna.money/blog/updates/get-business-insurance-with-qdos/): 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. - [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. - [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. - [Here’s a list of local food delivery websites to put your business on](https://anna.money/blog/guides/heres-a-list-of-local-food-delivery-websites/): The team at ANNA have put together a list of local food delivery websites where you can still get hold of your favourite local items in your town. We'll keep this up to date as we go. - [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 - these payment providers work seamless with your ANNA business account - [Scams targeting newly formed companies](https://anna.money/blog/guides/scams-targeting-newly-formed-companies/): When new companies are registered at Companies House, the company information is made publicly available and it’s standard for company directors to be contacted by a range of financial institutions (including ANNA!) offering their services. However, in recent months there’s been an increase in scam letters targeting newly formed companies. - [Virtual Office Address: How to Choose the Best Virtual Address for Your Business](https://anna.money/blog/guides/virtual-offices-what-to-know-before-you-choose-an-address/): More and more people are running their businesses from home, but still want an address that projects a professional image – and keeps their personal life and business life separate. That’s where a virtual office comes in handy. So what is a virtual office address? And what are the advantages and disadvantages of your business using a virtual office? - [7 ways to get paid on time (without having to beg)](https://anna.money/blog/guides/7-ways-to-get-paid-on-time-without-having-to-beg/): Stressed out chasing invoices? Here’s 7 tips to get paid faster as a freelancer. - [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 rather than a business account when they sell on platforms like Amazon. So you may be wondering – do I actually need a business account to trade on Amazon? - [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. - [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. - [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. - [Vic Casambros | Author at ANNA Blog](https://anna.money/blog/authors/vic-casambros/): Vic is the Social Digital Manager at ANNA and has a world of experience managing online communities. He looks after all our social media channels and regularly catches up with our customers. - [How ANNA clients use payment links: Sacred Space Yoga Studio](https://anna.money/blog/interviews/how-anna-clients-use-payment-links-sacred-space-yoga/): We chatted with Kerrina Louise New of Sacred Space Yoga Studio in Weston-Super-Mare about her experience with ANNA payment links. - [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 protect your business bank account from phone snatchers?](https://anna.money/blog/guides/phone-snatchers/): More and more people become the victims of phone snatching in London. What can you do to protect yourself? Are your banking apps safe? What should you do if someone snatches your mobile phone? Find all the answers in our blogpost - [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/): 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. - [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? - [How ANNA clients use payment links: the Brain Box Shop](https://anna.money/blog/interviews/payment-links-the-brain-box-shop/): ANNA payment links 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. - [Celebrating self-employed working mums this Mother’s Day](https://anna.money/blog/interviews/celebrating-self-employed-working-mums-this-mothers/): Mother’s Day will feel quite different for many mums this year, but we think it’s still important to recognise hard working mums everywhere - [Take our Lockdown quiz: Have you been paying attention?](https://anna.money/blog/quizzes/anna-lockdown-quiz/): Lockdown has been a difficult, challenging time for Britain. But it’s also seen some unusual, inventive and downright odd things happening. From animals reclaiming public spaces to Instagram influencers becoming national heroes. Have you been paying attention during lockdown? Take our lockdown quiz. - [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 we think you’ll like. - [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. You probably didn’t imagine you’d be spending quite so much time working from home. - [How to take your side hustle into the spotlight](https://anna.money/blog/interviews/how-to-take-your-side-hustle-into-the-spotlight/): 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. - [Mahum Mir | Author at ANNA Blog](https://anna.money/blog/authors/mahum-mir/): Mahum is the Senior Indirect Tax Consultant at ANNA. She began her career of Indirect Tax with HMRC where she trained as an Indirect Tax Specialist running investigations on the VAT compliance of businesses within the UK. Since then she has worked in a magic circle law firm as a Tax Advisor and after this endeavour joined a Japanese conglomerate where she was responsible for the UK VAT compliance of the corporate group companies. - [The Hustle author: Talib Qayyum](https://anna.money/blog/authors/talib-qayyum/): Talib is an eCommerce and Integrations Consultant at ANNA. He makes sure our integrations with eCommerce platforms and ANNA’s external partners are seamless. Talib has a track record of leading global multi-disciplinary team of developers and data scientists and has over 10 years of working for global investment banks including Credit Suisse, Citigroup and Barclays. He trained as a Consultant in Financial Services with EY. - [What is an invoice, anyway? How to invoice like a pro](https://anna.money/blog/guides/what-is-an-invoice/): What is an invoice, when should I invoice and what should an invoice include? How to invoice like a pro, even if you’re a beginner. - [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/): For the self employed, the thought of getting a mortgage can always feel out of reach. Here’s 7 steps to making sure that mortgage application gets accepted. - [Tax Terrapin has now answered 30k questions about tax, but what were the quirkiest queries?](https://anna.money/blog/updates/terrapin-tax-30k-questions/): What questions have UK businesses been asking our AI taxbot, Terrapin? - [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. - [](https://anna.money/blog/guides/what-is-a-utr-number-and-how-to-get-it/): - [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. - [An update during the Coronavirus (COVID-19) outbreak](https://anna.money/blog/updates/an-update-during-the-coronavirus-covid-19-outbreak/): We wanted to keep you updated during the Coronavirus (COVID-19) outbreak. - [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. Through the wonders of Open Banking, you can get paid by making sure your customers have your payment link. Here's a quick guide to show you how easy it is. - [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. - [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。 - [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. - [Why did we make our debit 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. - [What are BIC and SWIFT Codes in Banking? | ANNA](https://anna.money/blog/guides/what-are-swift-bic-codes/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [Our ‘Elf Initiative’ – how ANNA customers are making Christmas miracles happen](https://anna.money/blog/interviews/elf-initiative/): Shining 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. - [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. - [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. - [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/): 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. - [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. - [Xero integration is here](https://anna.money/blog/updates/xero-integration-is-here/): Import all your transactions from your ANNA account to Xero automatically — it only takes a minute to set up. - [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. - [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! - [10 new ways ANNA destroys your admin 🔥](https://anna.money/blog/guides/10-new-ways-anna-destroys-your-admin/): Brand new tax and banking features that save you time, smash your admin and even earn you a bit of cash. - [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/): Discover what bank reconciliation is, how to do it, and why it’s vital for accurate accounting. Learn to prepare a bank reconciliation statement and resolve discrepancies. - [Business vs Personal Bank Account: What's the difference?](https://anna.money/blog/guides/business-vs-personal-account-whats-best-for-me/): Splitting your business and personal finances can save you a whole lot of time and hassle in the long run. Understand the difference between personal and business accounts and discover why having a separate business account is beneficial - [How our early birds have helped ANNA Money](https://anna.money/blog/updates/how-our-early-birds-have-helped-anna-money/): As a fin-tech startup still in our beta stage, we truly value feedback from the early adopters who are helping to shape our service. The ANNA Early Birds Facebook group has been a source of inspiration and action. - [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/): Free invoice generator and free invoice spreadsheet to help small business owners produce professional-looking invoices. - [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. - [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. - [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. - [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. - [6 ways to get the perfect miaow: Make Miaow Great Again](https://anna.money/blog/updates/6-ways-to-get-the-perfect-miaow/): If your cat is being a bit of a diva, we’ve got six great tips to help you get that perfect miaow and enter our Make Miaow Great Again competition. - [How to assign categories in ANNA](https://anna.money/blog/updates/how-to-assign-categories-in-anna/): 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. - [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 for bookkeeping purposes, we give you clear feedback in chat if it’s been successfully matched or not to a transaction. - [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. - [5 Of the Best Online Marketplaces for Small Businesses in the UK](https://anna.money/blog/guides/5-top-online-marketplaces-for-small-business/): All you need to know to sell on leading online marketplaces, including Amazon, Ebay and Etsy. - [Pay as you grow with new ANNA pricing](https://anna.money/blog/updates/pay-as-you-grow-with-new-anna-pricing/): We’ve introduced new flexible pricing plans that grow with you and your business. Whether you’re a sole trader or limited company, what you pay is based purely on how much you use ANNA. And it’s all completely free while you’re starting up. - [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 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 IR35? Rules, Legislation, and Impact on Businesses and Contractors](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). Changes to IR35 were originally due to be introduced last April, but the global pandemic meant they were postponed for a year until April 2021, so we’re taking a quick look at how they might affect you and your business. - [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. - [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. - [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. - [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. - [What is an IBAN number: How Does It Work, Format in the UK and Examples](https://anna.money/blog/guides/what-is-an-iban-number/): Have IBANs got you stumped? We’ll break down all there is to know about the 22-digit codes and how to use them for your business in the UK. - [Getting to 24/7 support](https://anna.money/blog/updates/getting-to-24-7-support/): On 1 September 2018, the ANNA Customer Support team started providing 24/7 support. - [How to prepare your small business for Brexit](https://anna.money/blog/guides/how-to-prepare-your-small-business-for-brexit/): 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. - [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 Much Should I Pay Myself from My Business? | Self-Employed, Sole Trader, and Director Guide](https://anna.money/blog/guides/payroll-how-much-should-i-pay-myself/): 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. - [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. - [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. - [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. - [‘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 - [What Is a sort code and bank account number in the UK? And how do you find them | ANNA](https://anna.money/blog/guides/what-is-a-sort-code-and-account-number-in-uk-banking/): If you’re setting up a business in the UK, you’ll need a sort code and bank account number to accept payments. Read on to learn more about business banking and the numbers on your card. - [Do you eat worms for breakfast? Our Early Birds do.](https://anna.money/blog/updates/do-you-eat-worms-for-breakfast-our-early-birds-do/): We are looking for 2,000 small businesses to help us teach ANNA, our artificial intelligence service, to do your finance admin. - [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. - [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? - [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 - [What is a BACS Payment? How Does it Work and How Long Does it Take? | ANNA](https://anna.money/blog/guides/what-is-a-bacs-payment/): Can’t tell your BACS and your CHAPS apart? We’ll run through what a BACS payment is, along with other FAQs. - [Introducing ANNA Tax Terrapin - Chat-GPT Tax Advisor](https://anna.money/blog/updates/introducing-tax-terrapin/): Introducing ANNA Tax Terrapin - Chat-GPT Tax Advisor that provides personalized tax advice and services through our online chat platform. It is available 24/7, so you can always get the best advice regarding your taxes. - [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! - [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 exchanging of business cards might be a stuffy corporate tradition, but should be preserved - especially in the era of the screen - [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. - [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 or WooCommerce 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. Right now in the UK there are approximately 125,000 live online stores using WooCommerce and Shopify. So which one should you use? It comes down to personal preference and a few other factors: speed to market, personalisation, help and support and (yep, this is a big one) price. - [Notes in transactions: add context to your payments](https://anna.money/blog/updates/notes-in-transactions-add-context-to-your-payments/): Sometimes you want to make one incoming or outgoing payment stand out in your account history, just to remember what you paid or received money for specifically – now you can add a note to it. - [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. - [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. - [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 – it’s an industry of 400,000 people that ground to a halt almost overnight. We take a closer look at how the wedding industry has coped, and how it’s evolving to keep up with changing regulations. - [6 tips to avoid freelancer burnout 🔥](https://anna.money/blog/guides/6-tips-to-avoid-freelancer-burnout/): Being your own boss can be great — but also comes with its challenges. We look at how to avoid burnout when you’re self employed - [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/): Spread the word without breaking the bank with our low-cost tips for marketing your small business - [What's the VAT rate on these 10 things? Take our quiz.](https://anna.money/blog/quizzes/name-that-vat-quiz/): Test your VAT knowledge with the best tax quiz this side of the treasury. - [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. - [](https://anna.money/blog/guides/confirmation-statement/): - [HMRC self-assessment looming? Let’s do this](https://anna.money/blog/guides/hmrc-self-assessment-looming/): 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. - [ANNA interview with Flora from Washed Up Cards](https://anna.money/blog/interviews/flora-washed-up-cards/): An interview with Flora from Washed Up Cards, covering her business and her dyslexia - [New in ANNA – pay using Apple Pay](https://anna.money/blog/updates/new-in-anna-pay-using-apple-pay/): 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! - [Self-Employed Invoice Guide: How to Create Invoices in the UK](https://anna.money/blog/guides/self-employed-invoices/): 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. - [Prepaid cards vs debit cards: what are the differences?](https://anna.money/blog/guides/prepaid-cards-vs-debit-cards-what-are-the-differences/): 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 - [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. 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… - [Top tips to avoid manual errors in VAT preparation](https://anna.money/blog/guides/top-tips-to-avoid-manual-errors-in-vat-preparation/): 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. - [UK HMRC Mileage Rates and Allowances for 2025](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 2024 mileage rates mean for you? - [Free and affordable coworking spaces in the UK](https://anna.money/blog/guides/free-and-affordable-coworking-spaces-in-the-uk/): There’s been an explosion of choice of coworking spaces in the UK, with around 600 of them across the country. We’ve picked out a few of the cheapest, the best — and the most unusual. - [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/): We’ve put together a list of great tools to help you keep going as you work remotely. - [How to organise your receipts for taxes](https://anna.money/blog/guides/how-to-organise-your-receipts-for-taxes/): 5 quick tips on why it’s important to keep business receipts safe, what expenses can you claim for, and how to never lose a receipt again. - [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. - [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 Hustle writer: Lily Smith](https://anna.money/blog/authors/lily-smith/): Lily Smith is a National Film and Television School trained writer, currently freelancing at ANNA Money. She’s collaborated with remarkable, inspiring people and together they've won Gold Lions, D&ADs, and secured $9M in Google Ventures funding. - [What Can Accountants Do for Your Business: Roles and Responsibilities](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 how an accountant could help you. - [Working night and day for ANNA – a report from the customer service frontline](https://anna.money/blog/updates/working-night-and-day-for-anna-a-report-from-the-customer-service-frontline/): ANNA's Michael Angelo Stanton shares what it’s like to be a customer care manager who looks after finance, admin and humans. - [How to Open a Lloyds Business Bank Account for Start-up and Small Business | ANNA](https://anna.money/blog/guides/how-to-open-a-lloyds-business-account-online/): How to open a Lloyds business bank account if you are a start-up or a small business owner? We will help you understand what documents you need, what are the eligibility criteria, pricing plans and different business bank account features that will help your business grow. - [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. - [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. - [Cost of Goods Sold (COGS): What is It and How to Calculate It? | ANNA](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. - [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. - [Starting a Reselling Business: How to Resell and Make Money 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. - [Banking with ANNA, from Direct Debit to Virtual Cards](https://anna.money/blog/updates/banking-with-anna-from-direct-debit-to-virtual-cards/): Whether you need direct debits, virtual cards, or multiple cards for you business partner - ANNA's banking features have you covered. Sometimes it's as easy as asking in-app, and our team will help you out straight away. - [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. - [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. - [Full Guide To Self Assessment Tax Return 2024](https://anna.money/blog/guides/self-assessment-tax-return-2024/): Everything you need to know about Self Assessment Tax Return in 2024 – find out what you need to file and how to pay self assessment to HMRC. - [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 - [A statement about our shareholders](https://anna.money/blog/updates/a-statement-about-our-shareholders/): ANNA is a standalone brand, with operational independence. It is a UK registered company with headquarters in London and customer service team in Cardiff and is able to continue trading and operating without interruption. - [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). - [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 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. - [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/): It’s a challenging time for British business. But we’ve found the best examples of small businesses using their creativity to keep keeping on. - [VAT Registration Number - what is it and how to get one for your business?](https://anna.money/blog/guides/vat-registration-number/): Learn what a VAT registration number (VRN) is, why it's important for UK businesses, how to obtain one, and the key obligations tied to VAT registration compliance. - [Tracey Blake | Author at ANNA Blog](https://anna.money/blog/authors/tracey-blake/): Tracey Blake joined ANNA in 2023, prior to that she was a features editor at national newspapers, authored several non-fiction books and founded two marketplace startups. - [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. - [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. - [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. - [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. Our in-house accountant John Hodgson has answered all of our lockdown business expense questions. - [Tax relief on self-employed pension contributions | ANNA](https://anna.money/blog/guides/tax-relief-on-self-employed-pension-contributions/): Self-employed pension tax relief can help to save a significant amount of money and secure your future. In this guide we are going to help you understand the importance of pension contributions for the self-employed, explain how the pension tax relief works and show the potential savings you can make through sensible pension planning. - [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. - [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. - [Introducing Stripe payments integration to ANNA](https://anna.money/blog/updates/introducing-stripe-payments-integration-to-anna/): 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. - [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. - [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. - [What is WooCommerce? The Best WordPress Plugin for Ecommerce Websites](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. - [Strike a pose: pitch success means selling your body](https://anna.money/blog/guides/strike-a-pose/): Selling takes energy, charm and a dash of cunning. But first, it takes the right gesture - [Andy Moore | Author at ANNA Blog](https://anna.money/blog/authors/andy-moore/): Andy comes to his role as design director and head of product design at ANNA Money, with over twenty years of experience working in digital product and service design. At ANNA, Andy is responsible for the design of the product with a particular focus on developing ANNA as a small business assistant. - [Sveta Grigoreva | Author at ANNA Blog](https://anna.money/blog/authors/sveta-grigoreva/): Sveta is one of Russia’s leading natural language processing experts. As the head of linguistics at Yandex, Russia’s biggest tech firm, she led the creation of NLP technologies for the country’s most popular search engine. At ANNA, Sveta directs our AI. - [Kerrina Louise New | Expert at ANNA Blog](https://anna.money/blog/experts/kerrina-louise-new/): Kerrina has been enjoying yoga for over 20 years and did her first teacher training back in 2005. Kerrina incorporated her company in January of 2020 and was due to open a physical location on the 11th April, but had to make the pivot to online classes due to COVID-19 pandemic. - [Ramona Gohil | Expert at ANNA Blog](https://anna.money/blog/experts/ramona-gohil/): Ramona is the founder of Rani & Co., a feelgood feminist clothing and jewellery brand. - [Karol Stefan Cegla | Expert at ANNA Blog](https://anna.money/blog/experts/karol-stefan-cegla/): Karol is the owner of the Brain Box Shop, a small online CBD dispensary in Swansea. - [Irakli Agladze | Author at ANNA Blog](https://anna.money/blog/authors/irakli-agladze/): Irakli is ANNA's head of Open Banking division. He makes sure our integrations with banks and accounting software work so smooth you don't notice them. - [Clair Bevan | Author at ANNA Blog](https://anna.money/blog/authors/clair-bevan/): At ANNA, Clair is dedicated to building the best support team in the UK. Her leadership and sense of humour ensure the human touch is central to ANNA’s DNA. - [Andrea Hubert | Author at ANNA Blog](https://anna.money/blog/authors/andrea-hubert/): Andrea is a freelance writer at ANNA's the Hustle blog. - [Charlotte Jessop | Expert at ANNA Blog](https://anna.money/blog/experts/charlotte-jessop/): Charlotte is the author and CEO of Looking After Your Pennies, an eco-friendly personal finance blog. - [the Hustle writer: Suzanne Mucci](https://anna.money/blog/authors/suzanne-mucci/): Suzanne is a freelance writer at ANNA Money. She started her career as a business accounts analyst at Barclays Bank before moving into digital marketing. She’s written for many major financial brands, including Barclaycard, NatWest and Metro Bank, and has even been a hand model in a NatWest in-store ad. - [John Hodgson | Expert at ANNA Blog](https://anna.money/blog/experts/john-hodgson/): John is a Financial Controller at ANNA Money. John has over 8 years of experience working as a finance manager and head of finance and accounting departments at a number of companies in Wales. - [Evgeny Nefedov | Author at ANNA Blog](https://anna.money/blog/authors/evgeny-nefedov/): Evgeny is a part of ANNA's digital marketing team. He directs the development of ANNA's website and blog, and designs and builds the landing pages you come to when you click our online ads. - [Peter Firth | Author at ANNA Blog](https://anna.money/blog/authors/peter-firth/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [Aidan Moran | Author at ANNA Blog](https://anna.money/blog/authors/aidan-moran/): Aidan is the Direct Taxes Lead at ANNA. He is a Chartered Tax Adviser specialising in Owner Managed Business Taxation i.e. ANNA's customers. Prior to working at ANNA spent 6 years working at HMRC as a Corporation & Income Tax Specialist working on small business compliance and co-leading a national Technically focused team . - [Nick Turusin | Lead Data Scientist Expert at ANNA Blog](https://anna.money/blog/experts/nick-turusin/): Nick Turusin is a Lead Data Scientist at ANNA, focusing his efforts most notably on ANNA business tools. Among other things, Nick is responsible for the development and support of Terrapin, our tax AI chatbot. ## 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 | ANNA](https://anna.money/partner-offers/): ANNA is the mobile business account app that’s swift to set up and manages your invoices too. - [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. 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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. - [](https://anna.money/application/): - [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. 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