ANNA vs Clear Books Comparison
Compare ANNA vs Clear 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.
Clear Books
5.9/10
UK cloud accounting software for sole traders, landlords, small companies and accountants, with HMRC Making Tax Digital filing, bank feeds, invoicing and payroll.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 5.9/10 |
| Scalability | 4/10 | 3/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 7/10 | 8/10 |
| Integration | 6/10 | 4/10 |
| Security | 6/10 | 5/10 |
| Support | 7/10 | 7/10 |
| Cost | 7/10 | 8/10 |
| Customization | 4/10 | 4/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | £13/mo Grow | £5/mo Property |
| Estimated cost for 10 users | Free Free | Free Property Free |
| Features | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Payroll | ||
| 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 | |
ANNA vs Clear Books cost by team size
ANNA and Clear Books cost the same at every team size we checked.
| Team size | ANNA | Clear Books |
|---|---|---|
| 1 user | FreeFree | FreeProperty Free |
| 5 users | FreeFree | FreeProperty Free |
| 10 users | FreeFree | FreeProperty Free |
| 25 users | FreeFree | FreeProperty Free |
| 50 users | FreeFree | FreeProperty Free |
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 Integration score (6/10 vs 4/10)
- Higher Scalability score (4/10 vs 3/10)
Why choose Clear Books
- Higher Analytics score (5/10 vs 4/10)
- Higher Compliance score (8/10 vs 7/10)
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
Clear Books
Pros
- Free MTD Income Tax plans for sole traders and landlords have no transaction limits.
- It is on HMRC's list of MTD-compatible software for both VAT and Income Tax Self Assessment.
- CIS reporting is built in, which suits UK construction contractors and subcontractors.
- Company plans cost £16 to £44 a month, with up to 20% off for two-year billing and no setup or per-invoice fees.
- Trustpilot reviewers rate it 4.3 out of 5 from 477 reviews and often praise quick, friendly support.
Cons
- It follows UK tax rules only, so it does not suit businesses outside the UK.
- Multi-currency, expense claims and project accounting require the top £44 Large plan.
- Users report that editing or deleting entries is awkward and that voiding is the workaround.
- Its integration ecosystem is small compared with Xero or QuickBooks.
- Some reviewers say email support replies can be slow.
Not sold on either?
Frequently Asked Questions
ANNA scores higher on our Finance Software criteria: 6.2/10 against 5.9/10 for Clear Books. The largest gap is in Integration: 6/10 for ANNA and 4/10 for Clear Books.
Both are free for 10 users.
Yes, both ANNA and Clear Books have a free plan.
