KashFlow

Anna Money is a UK fintech that combines business banking with AI-powered tax and bookkeeping assistance for small businesses, freelancers, and sole traders. Founded in London in 2018, Anna (Absolutely No-Nonsense Admin) focuses on eliminating administrative burden through automation. The platform provides a UK business current account with Mastercard debit card as its banking foundation, with bookkeeping and tax tools built on top. The AI assistant categorizes transactions automatically and helps users understand their financial position. VAT return preparation and HMRC submission handles Making Tax Digital compliance. Corporation tax estimation provides forward-looking liability estimates. Invoice creation and sending is built into the platform. Receipt scanning via mobile app captures and categorizes expense documentation. Self-assessment support helps sole traders prepare annual returns. Anna's AI assistant can answer common tax and accounting questions in plain English, reducing the need for professional consultations on routine matters. The free tier provides banking access while paid plans unlock accounting and tax features. Anna is particularly appealing to sole traders and micro-businesses who want to reduce administrative time spent on banking, bookkeeping, and tax compliance. Its conversational AI approach makes financial management more accessible to business owners without accounting backgrounds. The platform continues to expand its AI capabilities as a differentiator in the competitive UK business banking market.

Crunch is a UK-based online accounting service for freelancers, contractors, and small limited companies that combines accounting software with access to qualified accountants in a single subscription. Founded in Brighton in 2009, Crunch has served over 25,000 UK freelancers and small businesses by addressing the reality that most independent workers need both software and professional guidance—not just one or the other. The self-service software covers invoicing, expense tracking, bank feeds, payroll for directors, IR35 assessment tools, and self-assessment tax returns. The managed service plans add access to qualified accountants who handle year-end accounts preparation, corporation tax returns, VAT returns, and provide ongoing advice. IR35 compliance tools are particularly important for UK contractors determining employment status for tax purposes. Making Tax Digital VAT filing submits VAT returns directly to HMRC. Director's salary and dividend planning helps limited company directors optimize their tax position. The platform's community includes resources, guides, and forums specific to UK freelancing. Crunch's hybrid model—software plus accountant access—provides professional reassurance at a lower price than traditional accountants, while offering more support than DIY software. Its focus on the specific needs of UK contractors and freelancers means deep expertise in IR35, limited company setup, and self-assessment that general-purpose accounting software lacks.

Holvi is a European fintech that combines business banking with built-in bookkeeping tools, enabling freelancers, sole traders, and small business owners to manage both their banking and accounting in a single platform. Founded in Helsinki in 2011 and acquired by BBVA in 2016, Holvi serves primarily Finnish and German markets with expansion across Europe. Unlike traditional accounting software that connects to a bank, Holvi is the bank—providing a payment account with IBAN, Mastercard business debit card, and integrated accounting in one package. Invoicing tools create professional invoices that can be sent directly from the platform with online payment acceptance. Expense tracking captures receipts via mobile camera and categorizes business expenses automatically. VAT handling supports Finnish and German VAT reporting requirements. Bank transactions appear immediately in bookkeeping records, eliminating reconciliation. Reports provide real-time profit overview, invoicing summary, and expense analysis. The Holvi card enables business spending with automatic receipt capture at point of purchase. Annual account export provides year-end bookkeeping data for tax preparation. Holvi's bundled banking-and-bookkeeping approach appeals to sole traders and freelancers who want to simplify their business finances into a single service. The platform is particularly popular with designers, consultants, and creative professionals in the Nordic and German markets who want efficient financial management without learning separate banking and accounting tools.