Anna vs Qonto.
Anna (A58/100) and Qonto (Q51/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Anna leads Qonto 4-3.
| A Anna №57 · FCA 58 /100 | Q Qonto №70 · Payment institution license 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | £11 /mo | €9 /mo |
| FX markup Debit card abroad | Interbank | 1.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Payment inst. |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 8 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.6 ★ 6k reviews | 4.8 ★ 50k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.8 · And 4.3 |
| 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 Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
- Best for fees Tied
- Best for protection Anna won 1 of 2
- Best for reach Qonto won 1 of 3
- Best for ux Tied
Anna vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Anna better than Qonto?
Under our v3 methodology, Anna leads Qonto 4–3 across 12 dimensions. Composite scores: Anna 58/100 vs Qonto 51/100. Anna is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Anna or Qonto cheaper?
Monthly fee — Anna: £11; Qonto: €9. Card FX markup — Anna: Interbank; Qonto: 1.70%. 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 Qonto?
Anna holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; deposit guarantee per depositor: Safeguarded. Anna is the stronger pick on regulatory protection.
Where can I use Anna and Qonto?
Anna operates in 1 country; Qonto operates in 8 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.