ANNA vs Fortnox: Complete Comparison (2026)
An in-depth comparison of ANNA and Fortnox to help you choose the right tool for your business.
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.
Fortnox
6.5/10
Swedish cloud accounting platform covering bookkeeping, invoicing, payroll, supplier invoice approval and reporting for small and mid-sized Swedish businesses and accounting firms.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.5/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 7/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 8/10 | 7/10 |
| Integration | 6/10 | 8/10 |
| Scalability | 4/10 | 6/10 |
| Security | 6/10 | 6/10 |
| Support | 7/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £13/mo Grow | SEK 238/mo Mini |
| Estimated cost for 10 users | Free Free | SEK 238/mo Mini |
| Features | ||
| Accountant Access | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Payroll | ||
| Accounts Payable | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
ANNA vs Fortnox cost by team size
| Team size | ANNA | Fortnox |
|---|---|---|
| 1 user | FreeFree | SEK 238/moMini |
| 5 users | FreeFree | SEK 238/moMini |
| 10 users | FreeFree | SEK 238/moMini |
| 25 users | FreeFree | SEK 238/moMini |
| 50 users | FreeFree | SEK 238/moMini |
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.
Which One Should You Choose?
Why choose ANNA
- Has a free plan (Fortnox does not)
- Higher Cost score (7/10 vs 6/10)
- Higher Ease of Use score (8/10 vs 7/10)
Why choose Fortnox
- Higher Integration score (8/10 vs 6/10)
- Higher Scalability score (6/10 vs 4/10)
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
Fortnox
Pros
- More than 500 integrations, and one 189 kr licence covers all of them.
- A single platform covers bookkeeping, invoicing, payroll, supplier invoice approval, payments and a company card, which suits Swedish SMEs.
- Accounting firms get a dedicated bureau package for working in their clients' books.
- New companies get six months free, and every new subscription has a 30-day open purchase period.
- Trustpilot and Shopify app reviewers frequently praise customer service and sync reliability.
Cons
- Usage fees for invoices, paid employees and interpretations, plus an Access fee that scales with activity, make total cost hard to predict.
- Three-month agreements cost 15 percent more than the 12-month list prices.
- The product is Swedish-focused, and users have asked for an English interface.
- Some users call the reporting tools dated and say neobank integrations such as Revolut are missing.
Not sold on either?
Frequently Asked Questions
Fortnox scores higher on our Finance Software criteria: 6.5/10 against 6.2/10 for ANNA. The largest gap is in Integration: 6/10 for ANNA and 8/10 for Fortnox.
ANNA has a free plan; Fortnox does not list one.
