Bluevine vs Anna.
Bluevine (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. A close tie.
| A Anna №57 · FCA 58 /100 | B Bluevine №35 · 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 | 2.00% |
| 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 | No |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | 4.5 ★ 10k 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 Bluevine if…
US business-checking-led neobank with the deepest sweep-extended FDIC of the US partner-bank category — $3M via Coastal Community Bank + a 17-bank sweep network. Premier tier ($95/mo waivable) pays 3.0% APY uncapped on all balances, structurally distinct from Mercury (Treasury yield via brokerage) or Novo ($250K single-bank only). Bluevine Line of Credit (up to $250K) and an invitation-only Cashback Mastercard (1.5% unlimited, launched June 2024) sit alongside the checking product.
- Best for fees Tied
- Best for protection Bluevine won 1 of 2
- Best for reach Tied
- Best for ux Anna won 2 of 2
Bluevine vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Bluevine?
Anna and Bluevine are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Anna 58/100 vs Bluevine 70/100. The right pick depends on which dimension you weight most heavily.
Is Anna or Bluevine cheaper?
Monthly fee — Anna: £11; Bluevine: €0. Card FX markup — Anna: Interbank; Bluevine: 2.00%. 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 Bluevine?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Bluevine holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Bluevine is the stronger pick on regulatory protection.
Where can I use Anna and Bluevine?
Anna operates in 1 country; Bluevine 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.