ANNA Money Anna Pay-as-you-go
A plan byANNA Money
A UK business neobank with interbank FX (0%), MTD and VAT filing included, UK-based 24/7 support and a pay-as-you-go model with no fixed cost. Its main limitations are the lack of FSCS protection, no SWIFT/CHAPS and coverage restricted to the UK only.
Anna Pay-as-you-go
- Price
- Free
- Issuance fee
- Free
- FX markup
- 1%
- Cashback currency
- Nessuno
- Cashback cap
- Free
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- Unlimited free ATM withdrawals
- Net annual cost
- Free
What's included
- UK e-money account
- No monthly fee
- Pay per transaction
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · GB |
| Multi-currency | Yes · 4 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| SEPA transfer | €5 |
| Interest on balance | 3.66% |
| ATM withdrawal | Free |
| Free ATM limit | Unlimited free ATM withdrawals |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | UK · 1+ countries |
| Regulator | FCA |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | EMI FCA EMI (UK) |
Strengths
- FX 0% interbank; MTD+VAT filing included; supporto UK-based 24/7; PAYG no cost fisso.
- No notable sovereignty advantage documented.
Weaknesses
- No FSCS; no SWIFT/CHAPS; only UK.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FCA EMI (UK)): reporting to authorities and freezes on order.
Verdict
A UK business neobank with interbank FX (0%), MTD and VAT filing included, UK-based 24/7 support and a pay-as-you-go model with no fixed cost. Its main limitations are the lack of FSCS protection, no SWIFT/CHAPS and coverage restricted to the UK only.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is ANNA Money a real bank?
ANNA Money operates under a EMI licence. Fund protection: Safeguarding — nessuna garanzia depositi.
Can I send transfers to third-party IBANs with ANNA Money?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does ANNA Money support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does ANNA Money support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from ANNA Money?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Founders · Trust & safety · +9 Data verified on Jun 15, 2026
- app.dealroom.co Investors · Founders Data verified on Jun 15, 2026
- crunchbase.com Valuation Data verified on Jun 15, 2026
- fintech.global Savings interest Data verified on Jun 15, 2026
Show 2 more sources
- pitchbook.com Stock ticker · Stock listing · IPO date Data verified on Jun 15, 2026
- thesaasnews.com Issuer Data verified on Jun 14, 2026