Grasshopper vs Anna.
Grasshopper (G72/100) 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. Grasshopper leads Anna 3-2.
| A Anna №57 · FCA 58 /100 | G Grasshopper №29 · OCC 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 72 /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 OCC |
| 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 | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.2 ★ iOS 4.3 · And 4.0 |
| 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 Grasshopper if…
The OCC-chartered US national bank for startups — the structural distinction from Mercury / Brex / Bluevine / Rho is that Grasshopper IS the bank. Direct FDIC cover at the chartered-bank level, multi-bank Cash Sweep extending to $25M. Free business checking with API access. The structural fit for US-incorporated startups wanting a real bank relationship rather than a partner-bank fintech.
- Best for fees Grasshopper won 1 of 4
- Best for protection Grasshopper won 1 of 2
- Best for reach Tied
- Best for ux Anna won 2 of 2
Grasshopper vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Grasshopper?
Under our v3 methodology, Grasshopper leads Anna 3–2 across 12 dimensions. Composite scores: Anna 58/100 vs Grasshopper 72/100. Grasshopper is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Anna or Grasshopper cheaper?
Monthly fee — Anna: £11; Grasshopper: €0. Card FX markup — Anna: Interbank; Grasshopper: Interbank. Grasshopper 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 Grasshopper?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Grasshopper holds a Partner-bank licence under OCC; deposit guarantee per depositor: $250,000. Grasshopper is the stronger pick on regulatory protection.
Where can I use Anna and Grasshopper?
Anna operates in 1 country; Grasshopper 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.