Finom vs Anna.
Finom (F64/100) 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. A close tie.
| A Anna №57 · FCA 58 /100 | F Finom №45 · DNB 64 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 64 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | £11 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | 0.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | E-money inst. DNB |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | Safeguarded EU.DGS.NL |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 7 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | 4.5 ★ 8k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 Finom if…
The EU SMB-focused EMI platform that solves the multi-country invoicing-plus-accounting-integration problem better than Qonto, Wise Business, and Revolut Business — local IBAN issuance across NL/DE/FR/IT/ES/PL plus native DATEV / Lexoffice (Germany) and Pennylane (France) integrations is the workflow win for SMBs operating across multiple EU markets. The freelancer-plus-SMB onboarding is structurally paved across entity types (sole trader, GmbH, SARL, BV, SAS, Sp. z o.o., S.R.L.), making Finom the structural fit for German freelancers and EU operators who need country-specific local IBANs without running multiple bank relationships.
- Best for fees Tied
- Best for protection Tied
- Best for reach Finom won 1 of 3
- Best for ux Anna won 2 of 2
Finom vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Finom?
Anna and Finom are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Anna 58/100 vs Finom 64/100. The right pick depends on which dimension you weight most heavily.
Is Anna or Finom cheaper?
Monthly fee — Anna: £11; Finom: €0. Card FX markup — Anna: Interbank; Finom: 0.70%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Anna or Finom?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Finom holds a E-money inst. licence under DNB; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Anna and Finom?
Anna operates in 1 country; Finom operates in 7 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.