ANNA Money vs bunq Business
On the standard spending profile ANNA Money is cheaper: €0 net per year versus €96 for bunq Business. On cashback bunq Business wins (up to 2%). The choice depends on your real spending profile: redo the math with your volumes before picking between ANNA Money and bunq Business.
| ANNA Money | bunq Business | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.4 |
| Estimated net annual cost | €0 | €96 |
| Account fee | Free | €8 |
| IBAN | dedicato · GB | dedicato · NL |
| Multi-currency | Yes · 4 currencies | Yes · 18 currencies |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | No | Yes |
| SEPA direct debit (SDD) | No | Yes |
| On-chain crypto withdrawal | No | No |
| SEPA transfer | €5 | €0 |
| Interest on balance | 3.66% | 0.75% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | UK · 1+ countries | EEA · 30+ countries |
| Regulator | FCA | DNB, AFM |
| OAM Italy registration | No | Yes |
| Segment | B2B | B2B |
| Regions | UK | EU/EEA |
| Licences & safety | EMI | Full Banking License |
Frequently asked questions
ANNA Money vs bunq Business: which is better?
On the standard spending profile ANNA Money is cheaper: €0 net per year versus €96 for bunq Business. On cashback bunq Business wins (up to 2%). The choice depends on your real spending profile: redo the math with your volumes before picking between ANNA Money and bunq Business.
Which is cheaper, ANNA Money or bunq Business?
On the standard spending profile ANNA Money has the lowest net annual cost: €0 versus €96 for bunq Business.
Which offers more cashback, ANNA Money or bunq Business?
bunq Business has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is ANNA Money custodial or self-custody?
ANNA Money is custodial: funds are held by the platform, while bunq Business is custodial.