ANNA vs Brex (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 6.2/10 for ANNA on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 4/10). Both ANNA and Brex have a free plan.
Last updated: November 2026
ANNA
6.2/10
ANNA is a UK business current account app for sole traders and small limited companies, combining payments, invoicing, receipt capture and tax filing.
Brex
7.5/10
Brex is a corporate card, expense management, bill pay and business banking platform for startups, mid-sized companies and global enterprises, and is now owned by Capital One.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 7.5/10 |
| Scalability | 4/10 | 8/10 |
| Analytics | 4/10 | 6/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 6/10 | 8/10 |
| Security | 6/10 | 8/10 |
| Support | 7/10 | 6/10 |
| Cost | 7/10 | 8/10 |
| Customization | 4/10 | 7/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | £12.90/mo Grow | $12/user/mo Premium |
| Estimated cost for 10 users | Free Free | Free Essentials |
| Features | ||
| Accountant Access | ||
| Corporate Cards | ||
| Expense Management | ||
| Multi-currency | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
ANNA vs Brex cost by team size
| Team size | ANNA | Brex |
|---|---|---|
| 1 user | FreeFree | FreeEssentials |
| 5 users | FreeFree | FreeEssentials |
| 10 users | FreeFree | FreeEssentials |
| 25 users | FreeFree | FreeEssentials |
| 50 users | FreeFree | FreeEssentials |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who ANNA and Brex suit
ANNA fits small business better; Brex fits enterprise better.
| Audience | ANNA | Brex |
|---|---|---|
| Enterprise | 2/10UK-only micro-business focus, with few currencies and no multi-entity support. | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. |
| Small Business | 8/10Combines an account, invoicing and tax filing for small UK limited companies. | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. |
| Finance Teams | Not rated | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. |
| Freelancers | 9/10Built for sole traders, with free MTD ITSA filing and a free plan. | Not rated |
| Mid-Market | Not rated | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. |
| SaaS Companies | Not rated | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. |
| Startups | Not rated | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. |
Which One Should You Choose?
Why choose ANNA
- Higher Support score (7/10 vs 6/10)
- Better fit for small business (8/10 vs 4/10)
Why choose Brex
- Higher Scalability score (8/10 vs 4/10)
- Higher Customization score (7/10 vs 4/10)
- Better fit for enterprise (7/10 vs 2/10)
Pros & Cons
ANNA
Pros
- Combines a business account with invoicing, receipt capture and tax filing in one app
- Free plan, plus free MTD ITSA filing on every plan
- Integrates with Xero, Sage, Stripe and e-commerce platforms such as Shopify and Amazon
- Strong customer feedback, with Trustpilot around 4.5 from over 5,000 reviews and Statrys rating support 9/10
- Unlimited free expense cards on the Free and Big Business plans
Cons
- Only for UK-registered businesses
- Main account is e-money and not FSCS-protected
- Reviewers report sudden account freezes or closures with little explanation
- Only USD, EUR and CHF currency accounts
- No cheque deposits or phone support
- The Free plan charges 0.95% on incoming payments over £1,000 a month
Brex
Pros
- The Essentials tier is free and includes cards, bill pay, reimbursements, travel booking, API access and accounting integrations.
- Card limits are underwritten on cash balance and revenue rather than a founder's personal guarantee, which helps startups without a credit history.
- Direct ERP syncs cover NetSuite, QuickBooks Online, Xero, Sage Intacct, Business Central and newer AI-native ERPs such as Rillet and Campfire, and a two-way Accounting API launched in January 2026.
- Brex holds SOC 1 Type II and SOC 2 Type II attestations, is PCI-DSS compliant and supports SAML or OIDC single sign-on.
- Brex releases updates often. The September 2026 release alone added more than 30 features, including passkeys, p-card policy rules and access to Brex data from ChatGPT, Claude and Slack.
- Pricing is published at 12 USD per user per month for Premium, and G2 reviewers rate the product highly, at about 4.8 out of 5.
Cons
- Brex has a history of abrupt account closures and eligibility changes, and it left the small-business market in 2022.
- Credit limits move with the company's cash balance, which some reviewers find unpredictable.
- Card purchases that need currency conversion carry an FX markup of up to 3 percent, built into the exchange rate.
- It is not a general ledger. Bookkeeping and financial statements still need a separate ERP or accounting system.
- Some support and setup experiences are poor, including a clunky HRIS integration setup reported on Gartner Peer Insights.
- The Capital One acquisition could slow feature shipping during integration, according to industry commentary.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 6.2/10 for ANNA. The largest gap is in Scalability: 4/10 for ANNA and 8/10 for Brex.
Yes, both ANNA and Brex have a free plan.
Brex is the better fit for enterprise: we rate it 7/10 for them, against 2/10 for ANNA.
