ANNA Alternative

Same vision. More features. No bank account required.

ANNA gets the AI-first idea right. Accounted delivers the full toolkit.

Feature	Accounted	ANNA
AI Bookkeeper	Penny — named AI, proactive guidance, all tiers	Auto Accountant agentic beta, reactive
Messaging Receipt Scanning	Telegram/SMS at launch	Not available
Bank Feeds	Included	Included
Receipt OCR	Included	Included
Invoicing	Professional tier £24	Included
Bulk Invoice Operations	ZIP download, bulk email, bulk mark paid	Not available
MTD VAT Submissions	Starter £14	Included (with +Taxes add-on)
MTD Income Tax (ITSA)	Included	Included
CIS Management	Professional £24	Not available
Corporation Tax	Business £34 — in-product with marginal relief	Included (with +Taxes add-on)
Payroll with RTI	Complete £44	Not available
Free Accountant Portal	Free forever — practice suite, KYC/AML, tax calendar	Accountant can review, limited practice tools
HMRC Submission Receipts	PDF receipt download, confirmation email	Not available
Section 24 Tax Intelligence	Business £34 — Penny surfaces S24 tax consequence	Record finance costs only, no tax intelligence
Founding Member 50% Off for Life	50% off locked for life	Not available

AI Bookkeeper

Accounted

Penny — named AI, proactive guidance, all tiers

ANNA

Auto Accountant agentic beta, reactive

Messaging Receipt Scanning

Accounted

Telegram/SMS at launch

ANNA

Not available

Bank Feeds

Accounted

Included

ANNA

Included

Receipt OCR

Accounted

Included

ANNA

Included

Invoicing

Accounted

Professional tier £24

ANNA

Included

Bulk Invoice Operations

Accounted

ZIP download, bulk email, bulk mark paid

ANNA

Not available

MTD VAT Submissions

Accounted

Starter £14

ANNA

Included (with +Taxes add-on)

MTD Income Tax (ITSA)

Accounted

Included

ANNA

Included

CIS Management

Accounted

Professional £24

ANNA

Not available

Corporation Tax

Accounted

Business £34 — in-product with marginal relief

ANNA

Included (with +Taxes add-on)

Payroll with RTI

Accounted

Complete £44

ANNA

Not available

Free Accountant Portal

Accounted

Free forever — practice suite, KYC/AML, tax calendar

ANNA

Accountant can review, limited practice tools

HMRC Submission Receipts

Accounted

PDF receipt download, confirmation email

ANNA

Not available

Section 24 Tax Intelligence

Accounted

Business £34 — Penny surfaces S24 tax consequence

ANNA

Record finance costs only, no tax intelligence

Founding Member 50% Off for Life

Accounted

50% off locked for life

ANNA

Not available

What Accounted does that ANNA doesn’t

No bank account required

ANNA requires their business current account. Accounted connects to any UK bank via Open Banking.

Full tax compliance

CIS management, payroll with RTI, and Corporation Tax with marginal relief — all built in.

Free accountant portal

Your accountant gets full access for £0. No partner programme, no certification, no per-client fees.

HMRC submission with proof

Every filing returns an HMRC reference number you can download as a PDF receipt.

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Accounted vs ANNA FAQ

Yes. ANNA is a business current account with built-in bookkeeping. Accounted is standalone bookkeeping software that connects to any UK bank via Open Banking.

Yes. Keep your ANNA business account and connect it to Accounted via Open Banking. Your ANNA transactions sync automatically.

Yes — Accounted is HMRC-recognised MTD software. We file VAT returns, Self Assessment, CIS monthly returns, and RTI payroll directly to HMRC. Every submission returns a reference number you can download.

No. Your accountant gets a free portal with full client visibility, AI workpapers, and bulk operations. No partner programme, no certification, no per-client fees. Ever.

From £14/month for Starter. Professional is £24/month. Business is £34/month. Complete with payroll is £44/month. No add-on fees for CIS, Corporation Tax, or accountant access.