Kakao Bank vs Anna.
Kakao Bank (K78/100) 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. Kakao Bank leads Anna 5-2.
| A Anna №57 · FCA 58 /100 | K Kakao Bank №10 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 78 /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 | Full bank KDIC |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.6 · 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 Kakao Bank if…
Largest Korean digital bank by user count (~24M). Public on KOSPI since 2021. Deep integration with KakaoTalk messenger — distribution moat. Mini Stock fractional investing is a strong consumer-investing entry point.
- Best for fees Kakao Bank won 1 of 4
- Best for protection Kakao Bank won 2 of 2
- Best for reach Kakao Bank won 1 of 3
- Best for ux Anna won 2 of 2
Kakao Bank vs Anna — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Kakao Bank?
Under our v3 methodology, Kakao Bank leads Anna 5–2 across 12 dimensions. Composite scores: Anna 58/100 vs Kakao Bank 78/100. Kakao Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Anna or Kakao Bank cheaper?
Monthly fee — Anna: £11; Kakao Bank: €0. Card FX markup — Anna: Interbank; Kakao Bank: Interbank. Kakao Bank 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 Kakao Bank?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Kakao Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Kakao Bank is the stronger pick on regulatory protection.
Where can I use Anna and Kakao Bank?
Anna operates in 1 country; Kakao Bank 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.