Mukuru vs Anna.
Mukuru (M63/100) 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. Mukuru leads Anna 3-2.
| A Anna №57 · FCA 58 /100 | M Mukuru №46 · FCA 63 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 63 /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 | E-money inst. FCA |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | Safeguarded ZA.CODI |
| 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 | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.5 · And 4.6 |
| 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 Mukuru if…
Pan-African remittance + financial-services platform — operates across Southern Africa + UK. ~14M users. Mauritius FSC-licensed parent. Cash-out via 100K+ Mukuru agents — physical reach is the structural differentiator. The other half of the pan-African angle alongside Chipper Cash.
- Best for fees Mukuru won 1 of 4
- Best for protection Tied
- Best for reach Mukuru won 1 of 3
- Best for ux Anna won 2 of 2
Mukuru vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Mukuru?
Under our v3 methodology, Mukuru leads Anna 3–2 across 12 dimensions. Composite scores: Anna 58/100 vs Mukuru 63/100. Mukuru is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Anna or Mukuru cheaper?
Monthly fee — Anna: £11; Mukuru: €0. Card FX markup — Anna: Interbank; Mukuru: Interbank. Mukuru 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 Mukuru?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Mukuru holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Anna and Mukuru?
Anna operates in 1 country; Mukuru 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.