Anna Money

Item: Anna Money
Rating: 1.9
Author: Maren Holst

FCACompaniesHouseHMRC

Commission: Approximately £40-£75 CPA per funded account (Awin; £40 entry tier published, negotiated higher)
Cookie: 30d
12m EPC: $1.91
Payout rel.: 95
Clawback: 60d

Anna Money's native VAT and HMRC-MTD automation gives it the cohort's tightest editorial fit for freelancer / IR35-contractor and VAT-registered sole-trader content. EPC of $1.91 ranks #6 — the per-onboarding CPA midpoint is mid-cohort, but the conversion mechanics on accountant-channel content outperform the headline rate.

Pros

Native VAT + HMRC MTD bridge is the cohort's strongest accountant-channel hook
Trustpilot 4.5/5 across ~4,900 reviews is among the cohort's strongest end-user signals
Awin distribution with reliable Net 30 cadence
Negotiated tier rates (£75+) reachable for higher-volume contractor / IR35 publishers
Tax-pot architecture is unique in the cohort — converts well on Self Assessment content

Cons

Smaller brand recognition than Tide / Starling — softer organic-search pull-through
E-money permission only (PrePay Technologies as principal) — no FSCS
Awin programme leans sole-trader in practice — Limited-Company conversion is weaker

† Long-form review body pending — editorial expansion scheduled for the next Issue sweep.

Annex · How we scored it

Every factor, every value, every note.

base_payout: $73.00
cookie_decay: 0.55
attribution_factor: 1.00
reliability_factor: 0.95
conversion_rate_estimate: 0.05
payment_threshold_friction: 1.0
12m true-EPC (computed): $1.91
relative grade (vs top in cell): B− · 37/100

full methodology v3.2

Adjacent · same cell

Rank

Business banking · Card-led SMB lender + business charge card with Avios rewards

Capital on Tap

FCACompaniesHouse

Rank

Business banking · Full UK PRA/FCA-licensed bank (closed broker / accountant channel)

Allica Bank

FCACompaniesHouse

Rank

Business banking · UK EMI multi-currency (cross-border specialist)

Wise Business

FCACompaniesHouse

Edited by

Maren Holst

Senior Editor

Signed · M.HOLST

Fact-checked by

Asha Devi

Standards Desk (Fact-Checker)

Signed · A.DEVI

Issue meta

vol iii · iss 14

published 2026-05-18

last sweep 2026-05-22

methodology v3.2 · audited apr '26

Companies House #OC4451x

Editorial signatures and issue metadata