Anna Money vs Relay: Business Banking Comparison (2026)
Anna Money and Relay both offer business banking solutions with free tiers, but cater to different regional needs and feature sets.
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
- ✓1.11% APY on savings accounts
- ✓1% cash back on credit cards
- ✓Bill creation, intake & management
- ✓Customizable cards with spend policies
- ✓Receipt collection & storage
- ✓Payment request links
- ✓Automated follow ups
- ✓Recurring invoices
When to choose Anna Money
Choose Anna Money for unlimited outgoing transfers, free MTD ITSA filing, and up to 3.66% AER on savings, especially if operating in the UK. It also provides unlimited free expense cards and professional-looking invoices. Anna Money integrates with Xero.
When to choose Relay
Choose Relay for 1.11% APY on savings accounts, 1% cash back on credit cards, bill creation and management, customizable cards with spend policies, payment request links, automated follow-ups, and recurring invoices. Relay integrates with QuickBooks and Xero, and is suitable for businesses operating in the US market.
Frequently Asked Questions
AI visibility profiles
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