ANNA Money
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- Who holds it
- An e-money institution holds your balance in a safeguarding account — E-money.
- The ledger
- The e-money institution’s own ledger.
- If it fails
- Safeguarded funds are returned in administration — ring-fenced, but access can be frozen and slow.
Derived from ANNA Money’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional · SMB & startups |
| HQ | Cardiff, UK |
| Founded | 2017 |
| Custody | Custodial |
| Regulation type | E-money institution |
| License detail | E-money |
| Card | MC · Business debit |
| Cashback | 1% select |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Countries | United Kingdom, Australia |
| Founders | Eduard Panteleev, Boris Dyakonov |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @ANNA_money ↗
Common questions about ANNA Money
What is ANNA Money?
ANNA Money is a fiat neobank built for SMB & startups, headquartered in Cardiff, UK and founded in 2017. Your money is held custodially, so ANNA Money or its partner bank holds the balance and you hold a claim on it. It is regulated as an e-money institution (E-money).
Does ANNA Money have a card, and where can you use it?
It issues a Mastercard business debit card. It is available in 2 countries, across Europe.
Does ANNA Money require KYC?
Yes. ANNA Money requires identity verification (KYC) to open an account, as a e-money institution.
What does ANNA Money cost?
From the verified fields: cashback 1% select. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with ANNA Money before relying on them.
Head-to-head
ANNA Money vs Tide · ANNA Money vs OakNorth · ANNA Money vs Allica Bank · ANNA Money vs Zempler Bank
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
ANNA Money appears in
Neobanks authorised as e-money institutions (48) · Neobanks available in Europe (144) · Neobanks for small businesses and startups (33) · Neobanks that issue a Mastercard (150) · Neobanks in United Kingdom (29)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.