Cash App vs Anna.
Cash App (C70/100) 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. Cash App leads Anna 7-1.
| A Anna №57 · FCA 58 /100 | C Cash App №31 · 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 | 2 countries |
| Crypto Coins available | No | 1 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | 1.6 ★ 50k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
- Best for fees Cash App won 1 of 4
- Best for protection Cash App won 1 of 2
- Best for reach Cash App won 3 of 3
- Best for ux Tied
Cash App vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Cash App?
Under our v3 methodology, Cash App leads Anna 7–1 across 12 dimensions. Composite scores: Anna 58/100 vs Cash App 70/100. Cash App is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Anna or Cash App cheaper?
Monthly fee — Anna: £11; Cash App: €0. Card FX markup — Anna: Interbank; Cash App: Interbank. Cash App 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 Cash App?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Cash App is the stronger pick on regulatory protection.
Where can I use Anna and Cash App?
Anna operates in 1 country; Cash App operates in 2 countries. 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.