ANNA vs Zoho Books Comparison
Compare ANNA vs Zoho Books 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.
Zoho Books
7/10
Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 7/10 |
| Analytics | 4/10 | 7/10 |
| Compliance | 7/10 | 7/10 |
| Cost | 7/10 | 8/10 |
| Customization | 4/10 | 8/10 |
| Ease of Use | 8/10 | 7/10 |
| Integration | 6/10 | 7/10 |
| Scalability | 4/10 | 6/10 |
| Security | 6/10 | 7/10 |
| Support | 7/10 | 5/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | £13/mo Grow | $20/mo Standard |
| Estimated cost for 10 users | Free Free | $70/mo Premium |
| Features | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Payroll | Not listed | |
ANNA vs Zoho Books cost by team size
| Team size | ANNA | Zoho Books |
|---|---|---|
| 1 user | FreeFree | FreeFree |
| 5 users | FreeFree | $50/moProfessional |
| 10 users | FreeFree | $70/moPremium |
| 25 users | FreeFree | FreeFree |
| 50 users | FreeFree | FreeFree |
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
- Higher Support score (7/10 vs 5/10)
- Higher Ease of Use score (8/10 vs 7/10)
Why choose Zoho Books
- Higher Customization score (8/10 vs 4/10)
- Higher Analytics score (7/10 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
Zoho Books
Pros
- The free plan includes online payments, bank reconciliation, recurring invoices and 1099 tracking for one user plus an accountant.
- Pricing is per organization, not per user, so small teams avoid per-seat costs.
- It connects natively with Zoho CRM, Zoho Payroll, Zoho Inventory and Zoho Analytics.
- Professional and higher plans include custom workflows, custom roles and approvals, and Premium adds custom modules and functions.
- On the Elite plan, inventory features cover warehouses, serial and batch tracking, and marketplace sync.
Cons
- Budgets, multi-currency and advanced inventory are only available on higher-priced tiers.
- Reviewers on Capterra and in NerdWallet's write-up describe slow or unhelpful customer support.
- It has fewer third-party integrations than its main competitors, according to NerdWallet.
- A PeerSpot reviewer found it awkward to invoice the same customer in different currencies.
- Even the top plan has a hard cap of 15 users, plus annual transaction limits.
Not sold on either?
Frequently Asked Questions
Zoho Books scores higher on our Finance Software criteria: 7/10 against 6.2/10 for ANNA. The largest gap is in Customization: 4/10 for ANNA and 8/10 for Zoho Books.
Yes, both ANNA and Zoho Books have a free plan.
