ANNA vs FreeAgent Comparison
Compare ANNA vs FreeAgent features, pricing, and more.
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.
FreeAgent
6.4/10
FreeAgent is UK cloud accounting software for sole traders, limited companies, partnerships, and landlords. It covers invoicing, banking, payroll, and Making Tax Digital filing.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.4/10 |
| Scalability | 4/10 | 3/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 7/10 | 8/10 |
| Integration | 6/10 | 6/10 |
| Security | 6/10 | 6/10 |
| Support | 7/10 | 7/10 |
| Cost | 7/10 | 8/10 |
| Customization | 4/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £13/mo Grow | £10/mo Landlord |
| Estimated cost for 10 users | Free Free | £10/mo Landlord |
| Features | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Payroll | ||
| Tax Compliance | ||
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
ANNA vs FreeAgent cost by team size
ANNA costs less at every team size we checked.
| Team size | ANNA | FreeAgent |
|---|---|---|
| 1 user | FreeFree | £10/moLandlord |
| 5 users | FreeFree | £10/moLandlord |
| 10 users | FreeFree | £10/moLandlord |
| 25 users | FreeFree | £10/moLandlord |
| 50 users | FreeFree | £10/moLandlord |
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 (FreeAgent does not)
- Lower estimated cost for 10 users: Free vs £10/mo
- Higher Scalability score (4/10 vs 3/10)
Why choose FreeAgent
- Higher Compliance score (8/10 vs 7/10)
- Higher Cost score (8/10 vs 7/10)
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
FreeAgent
Pros
- Free for customers with a NatWest, RBS, Ulster Bank, or qualifying Mettle business account.
- Built-in HMRC filing covers MTD VAT, Self Assessment, and MTD for Income Tax, and the limited company plan adds end-of-year filing.
- Reviewers often praise its UK-based phone and chat support.
- Every plan includes time tracking, projects, and invoicing, which suits freelancers who bill by the hour.
- Multi-currency invoicing and foreign-currency bank accounts are supported, with realised and unrealised gains and losses calculated automatically.
Cons
- Reviewers describe invoice templates as basic and say custom reporting is limited.
- Payroll suits only director-only setups or very small teams.
- Its integration ecosystem is smaller than those of Xero or QuickBooks.
- It has no multi-entity consolidation or advanced controls, so it does not scale to larger firms.
- Some users report out-of-date help articles.
Not sold on either?
Frequently Asked Questions
FreeAgent scores higher on our Finance Software criteria: 6.4/10 against 6.2/10 for ANNA. The largest gap is in Compliance: 7/10 for ANNA and 8/10 for FreeAgent.
ANNA costs less for 10 users: free on its Free plan, against about £10/mo on its Landlord plan for FreeAgent, billed monthly.
ANNA has a free plan; FreeAgent does not list one.
