Brex vs Anna.
Brex (B70/100) and Anna (A58/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Brex leads Anna 4-2.
| A Anna №57 · FCA 58 /100 | B Brex №37 · FDIC 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | £11 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.6 · And 4.4 |
| Read review → | Read review → | |
Pick Anna if…
The design-led mobile-first UK SMB neobank — Anna positions itself versus Tide as the friendlier UX with a focus on solo founders and freelancers. The Self Assessment + Corporation Tax filing tools are the structural differentiator versus Tide at the UK freelance tier. FCA-authorised EMI — funds safeguarded, NOT FSCS-protected (same structural trade-off as Tide).
Pick Brex if…
SMB-business neobank built around corporate cards + spend management. Brex Cash uses partner-bank sweep (Choice Financial + Lead Bank + Citi) for FDIC pass-through up to $6M+. Y Combinator alumni; ~$12B valuation. The default for VC-backed US startups.
- Best for fees Brex won 1 of 4
- Best for protection Brex won 1 of 2
- Best for reach Brex won 1 of 3
- Best for ux Anna won 2 of 2
Brex vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Brex?
Under our v3 methodology, Brex leads Anna 4–2 across 12 dimensions. Composite scores: Anna 58/100 vs Brex 70/100. Brex is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Anna or Brex cheaper?
Monthly fee — Anna: £11; Brex: €0. Card FX markup — Anna: Interbank; Brex: Interbank. Brex wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Anna or Brex?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Brex holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Brex is the stronger pick on regulatory protection.
Where can I use Anna and Brex?
Anna operates in 1 country; Brex operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.