Decision Support · Side-by-side

ANNA Money vs Billy. Side by side.

Compare pricing, strengths, and use cases so it is easier to pick the right fit.

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ANNA Money

Best overall

Billy

For UK-based business owners who want an all-in-one banking and invoicing app, ANNA Money is the clear winner thanks to its integrated bank account and tax filing. Billy is better for European businesses that need advanced accounting automation and API access, but its hidden pricing is a risk. The biggest difference: ANNA is a mobile-first bank with built-in invoicing, while Billy is a pure accounting automation tool.

ANNA Money

£0/mo (Pay As You Go) to £49.90/mo (Big Business) #2527 of 3,826 Web

Billy

#1843 of 3,826 Web

Scores at a glance

ANNA MoneyBillyPractical Versatility

Onboarding Ease

Ecosystem Fit

Market Value

Choose ANNA Money if

You run a UK-based small business and want a single app for banking, invoicing, and tax
You hate paperwork and want to scan receipts with your phone and have them categorized automatically
You need to send professional invoices with your logo and chase late payments automatically
You want to connect your existing bank accounts and see everything in one place

Choose Billy if

You run a business in Europe and need to handle VAT/GST for multiple countries
You process a high volume of receipts and need the most accurate OCR available
You have a developer who can use the API to connect Billy to your existing tools
You need automated debt collection and cash flow forecasting

Key differences

ANNA is a mobile-only app; Billy has no mobile app at all
ANNA includes a UK business bank account; Billy is accounting software only
Billy supports multi-country VAT/GST; ANNA is UK-only
ANNA has transparent pricing from free to £49.90/mo; Billy hides its pricing
Billy offers a developer API; ANNA does not
ANNA is easier to set up for a non-technical person; Billy requires more configuration

Facts side by side

	ANNA Money	Billy
Free plan
Mobile app
API access

ANNA Money: strengths & weaknesses

Combines business banking, invoicing, and tax filing in one app
Very fast receipt scanning with your phone camera
Clear pricing with a free Pay As You Go option
Built-in HMRC integration for VAT and tax returns
Only works for UK businesses
No desktop app – you must use your phone
Premium plans get expensive if you have high turnover
No API for custom integrations

Billy: strengths & weaknesses

Best-in-class OCR that reads receipts accurately
Works across Europe with Open Banking connections
Handles complex VAT/GST rules for multiple countries
Has a powerful API for developers to build on top
Pricing is not published – you have to contact sales
Can get expensive as your transaction volume grows
Advanced reports are locked behind the highest plan
Limited support outside EU and North America

Common questions

Is ANNA Money better than Billy for a UK freelancer?

Yes. ANNA gives you a UK bank account, invoicing, and tax filing in one app with clear pricing. Billy is overkill for a freelancer and you can't see the cost upfront.

Can I use Billy on my phone?

No. Billy does not have a mobile app. You can only use it through a web browser on a computer.

Which tool is cheaper for a small business?

ANNA is cheaper because it has a free tier and transparent plans. Billy's hidden pricing means you might end up paying more than expected as your transactions grow.

Does ANNA Money work outside the UK?

No. ANNA is designed specifically for UK businesses and integrates with HMRC. It won't help you with taxes in other countries.

Which tool has better receipt scanning?

Billy claims market-leading OCR accuracy, but ANNA's scanning is also very fast and good enough for most small businesses. Billy wins if you need near-perfect accuracy on messy receipts.

ANNA Money wins for UK users needing a simple mobile banking and invoicing app; Billy is better for European businesses that need advanced accounting automation and API access.

If you're in the UK and want a simple, all-in-one banking and invoicing app you can run from your phone, go with ANNA Money. If you're in Europe and need powerful accounting automation with multi-country tax support, Billy is worth a look – but be ready to negotiate on price. For most everyday users, ANNA is the safer, more transparent choice.

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Detail pages: ANNA Money · Billy

ANNA Money

Billy

Free plan

Mobile app

API access