Anna Money vs Mercury: Business Banking Comparison (2026)
Anna Money and Mercury both offer business banking with free tiers, but cater to different operational focuses and regions. Anna Money is suited for UK businesses with its MTD ITSA filing and Xero integration, while Mercury targets US businesses with its 1099 tax filings and invoicing API.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask business banking questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.
Probes run hourly; each (engine × query) combo retests every ~3 days.
Pricing
Key Features
- ✓Unlimited outgoing transfers
- ✓First £1,000/month incoming free
- ✓Savings up to 3.66% AER
- ✓Free MTD ITSA filing
- ✓Unlimited free expense cards
- ✓Professional-looking invoices
- ✓Easy receipt capture
- ✓Accounts integration
- ✓Banking services for $0
- ✓Invoicing API available
- ✓Recurring invoices available
- ✓Unlimited 1099 tax filings
- ✓Access to Treasury with $250K balance
- ✓No monthly fees or account opening fees
- ✓Expense management features
- ✓Simple account structure for multi-business
When to choose Anna Money
Anna Money is suitable for UK-based businesses, particularly startups, that require unlimited outgoing transfers, up to 3.66% AER savings, free MTD ITSA filing, and integration with Xero. It operates on a pay-as-you-go model after initial free limits.
When to choose Mercury
Mercury is suitable for US-based businesses looking for banking services with no monthly fees, an invoicing API, recurring invoices, unlimited 1099 tax filings, and expense management features. It also supports managing multiple businesses under one account.
Frequently Asked Questions
AI visibility profiles
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