ANNA vs Qonto: Complete Comparison (2026)
An in-depth comparison of ANNA and Qonto 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.
Qonto
6.4/10
Qonto is a European online business account for freelancers and SMEs, combining a local IBAN, payment cards, transfers, invoicing, and expense tools.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.4/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 7/10 | 6/10 |
| Cost | 7/10 | 6/10 |
| Customization | 4/10 | 5/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 6/10 | 8/10 |
| Scalability | 4/10 | 6/10 |
| Security | 6/10 | 6/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | £13/mo Grow | €9/mo Basic |
| Estimated cost for 10 users | Free Free | €49/mo Essential |
| Features | ||
| Accountant Access | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
ANNA vs Qonto cost by team size
| Team size | ANNA | Qonto |
|---|---|---|
| 1 user | FreeFree | €9/moBasic |
| 5 users | FreeFree | €49/moEssential |
| 10 users | FreeFree | €49/moEssential |
| 25 users | FreeFree | €49/moEssential |
| 50 users | FreeFree | €49/moEssential |
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 (Qonto does not)
- Higher Support score (7/10 vs 5/10)
- Higher Compliance score (7/10 vs 6/10)
Why choose Qonto
- 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
Qonto
Pros
- Low entry price: the Basic solo plan costs €9 a month, and every plan has a one-month free trial with no commitment.
- Team plans include unlimited users, so costs do not rise with headcount.
- A large integration directory covers DATEV, Sage, Tiime and Stripe, plus Zapier, Make and a public API.
- Accountants get unlimited access from the Smart plan, which makes bookkeeping handoffs easier.
- Reviewers on G2 and Capterra praise the interface and quick onboarding.
Cons
- Reviewers often report account freezes during compliance checks that hold funds for days.
- Support is described as slow or generic when an issue is complex.
- International transfers cost 0.56% to 1.8% with a €5 minimum, which adds up for businesses that pay in many currencies.
- Qonto is a payment institution, not a full bank, and offers no broad lending products.
- There is no full general ledger or financial statements, so a separate accounting tool is still needed.
Not sold on either?
Frequently Asked Questions
Qonto scores higher on our Finance Software criteria: 6.4/10 against 6.2/10 for ANNA. The largest gap is in Integration: 6/10 for ANNA and 8/10 for Qonto.
ANNA has a free plan; Qonto does not list one.
