The next generation business account

The Australian business account that makes admin a breeze

ANNA ONE combines an easy-to-use business account with finance tools and even company setup for new businesses.

You can open an ANNA ONE business account in less than 10 minutes and start making and accepting payments straight away.

ANNA Money business account, payments and more for Australian businesses

Over 120,000 business owners choose ANNA

  • Over 120k happy customers worldwide
  • 24/7 customer service

How to activate your card

Step 1: Open the ANNA Credit app & log in

Open the ANNA Business Credit Card app on your phone and securely log in to your account with your username, password and SMS verification code.

    Start your business

    ANNA ONE provides you with the services and guidance to help you take your first steps, including:
    • Company registration
    • Business account
    • Virtual office address

    Run your business

    Our tax experts are available to:
    • Share tax tips and updates
    • Help you stay ATO compliant
    • Answer your questions
    We’re here to help - just ask in the app!

    Grow your business

    Once you’re up and running, you get the support and tools to get your business thriving
    • Business credit card
    • Invoice management
    • Receipt capture

    Smart invoicing for small businesses

    Invoice generator

    With ANNA ONE invoicing is as simple as tapping a few details into the app. You can create and send invoices on the go, and we’ll chase them for you if they’re not paid

    Smart Invoicing for small businesses

    • Create invoices in seconds
    • Send invoices from wherever you are
    • Get paid faster with automatic payment reminders

    Business account

    Spending, getting paid and managing your cash flow

    Stay in control of your money

    • Send and receive payments from your ANNA account
    • Schedule future-dated and recurring payments so you’re always on top of your cash flow
    • Create and send professional invoices to get paid faster. We’ll even chase them for you

    Smart invoicing for small businesses

    Invoice generator

    With ANNA ONE invoicing is as simple as tapping a few details into the app. You can create and send invoices on the go, and we’ll chase them for you if they’re not paid

    Smart Invoicing for small businesses

    • Create invoices in seconds
    • Send invoices from wherever you are
    • Get paid faster with automatic payment reminders

    Customer support

    The support you need, whenever you need it

    ANNA’s support team is always here to help you and your business. We’re available 24/7, even on Christmas Day

    Pricing plans for every business

    Start for free

    Our plans start at $0 per month – you only pay for the services you use.

    Save money by paying annually

    Company setup for half price

    $ 611.00
    $288
    +GST One off fee (includes ASIC Fee)
    +611.00
    $288
    +GST One off fee
    Register your company in minutes with an ABN & ACN. For a limited time, we'll pay half of the ASIC fee. No extra or hidden charges
    Start a business
    Full ASIC registration
    ACN, legal docs, compliance all done for you
    Instant online lodgement
    ABN issued within hours
    ATO-ready setup
    Business TFN issued on registration, with GST and PAYG registration support included.
    Local expert support
    We make sure its done right the first time
    Same day turnaround
    Companies registered in hours
    Ongoing compliance support
    Annual ASIC reminders, company updates and lodgement help for first 6 months
    Secure document storage
    Store all company docs, receipts and records in one place

    Business Account - Free

    $0.00
    a month
    $0.00
    billed annually
    Basic account to manage and move funds, with no monthly fees
    Try ANNA for free
    Australian Business Account
    Get a BSB and Account Number
    Virtual card ready on day one
    Start making secure online business purchases instantly
    Contactless card (physical)
    Great for tap & go when you're on the move and spending in-person
    Make business payments
    Pay bills, suppliers, employees easily
    Mobile app
    Manage cards, payments & tax from anywhere, 24/7
    Australian support team
    Real human help, not robots
    Make business payments
    Pay bills, suppliers, employees easily

    Business Account - +Taxes

    $9.97
    +GST a month
    $95.76
    +GST billed annually
    Unlimited account with
everything your business needs to thrive with tax agent, bookkeeping & accounting support
    Most popular
    Open an account
    Send invoices with payments
    Create, send and track professional invoices that get paid directly into your ANNA account, no delays
    Smart tax tools
    Track GST, BAS and income tax obligations
    Easy receipt capture
    Snap receipts and ANNA auto-categorises them
    ATM withdrawals
    Free ATM withdrawals
    Support from qualified human tax experts
    Get unlimited access to real local tax professionals, not bots, who can guide you through tricky compliance questions quickly and confidently
    Personalised tax calendar
    Stay compliant without stress—get a live view of BAS, GST & income tax deadlines, tailored to your business and reminders on autopilot
    Business documents hub
    Keep all your business receipts, invoices and ASIC documents in one organised space
    Ongoing compliance support
    Annual ASIC reminders, company updates and lodgement help

    Business Credit Card

    From $39.99
    +GST a month
    From $379.08
    +GST billed annually
    Flexible plans for solo founders, growing teams & larger companies needing simple cashflow management
    Try ANNA Credit for free
    Credit limits up to $500k
    From $2k to $500k to power any stage of business growth
    0% APR
    No interest - keep more cash in your business
    No FX or transaction fees
    Spend freely at home or abroad with no hidden cost
    Unlimited team cards
    Issue physical cards instantly, for every team member
    Full card control
    Freeze, replace, or adjust spend limits in seconds
    Xero bank feed
    Automatically sync transactions straight into Xero, saving hours on bookkeeping
    Built-in travel insurance
    Complimentary cover for business travel inconvenience
    Free lounge access
    Every cardholder gets complimentary airport lounge passes

    Optional add on

    Virtual Office

    Get Sydney's only AI-powered virtual office
    Premium CBD Address

    Level 10, 387 George Street, Sydney, NSW 2000

    AI mail handling

    4-hour scanning SLA, instant alerts

    ASIC registered office

    Fully compliant for all requirements

    Director service address

    Keep your home address private

    Virtual office pricing
    $70 +GST/month
    Sign up now

    FAQ

    What is ANNA One?

    ANNA One is the combined powerhouse of a business account and business tools, as well as company setup assistance for new businesses, to support you on your small business journey. Think of ANNA One as your unlimited virtual CFO - all the admin and payments capability you need to run your business, with the power of our world class AI engine to automate and simplify your day-to-day operations.

    How does ANNA One work?

    Once you sign up to ANNA One and download the app, we'll onboard you for your own business account to start taking and making payments, enabling your cash flow as the crucial heart beat of your business. You'll get immediate access to professional tools to run your business - invoices, quotes, receipt capture - and automated bookkeeping to streamline your accounts. We'll also be there to guide you through all the important tax and compliance milestones, helping you submit accurately and on time to remove any tax headaches. All of this is backed by our ANNA bot, your day-to-day assistant within the ANNA app, with 24/7 support on-hand to jump in if needed.

    What types of businesses can I register?

    We can currently register Proprietary (private) company limited by shares with one director and shareholder. This company can’t be a trustee of a superannuation fund.

    What makes a company different from a sole trader?

    A company is a separate legal entity that offers protection for personal assets and is taxed at the corporate rate. Operating as a company can minimise your liability as a business owner.

    Who can register a company?

    Anyone over the age of 18 in Australia. You also must have at least 1 director who resides in Australia (for tax purposes) and have a registered address located in Australia. At the moment we’re registering a company with single director and shareholder and accepting applications from Australian residents only.

    What information and documents are required to register a company?

    Before you start the online application form, please make sure that you have the following information ready:

    • A company name
    • A registered office address – this must be a physical street address, not a PO BOX, to where ASIC will send specific notices and on some occasions deliver service documents in person. Plus ASIC auditors require access to a physical address. We’ll also submit the company’s registered office address as your principal place of business address. You may use your residential address as a registered office or principal place of business address.
    • Director details – full name, residential address, date and place of birth. At the moment we’re registering a company with single director and shareholder. Therefore, a director must reside within Australia. From 1st November 2021 newly appointed directors will need to apply for a Director ID before applying for company registration. This process is very quick and takes only 5 minutes and is free to apply.
    How much does it cost to register a company in Australia with ANNA?

    There are 2 packages available for company registration. Take a look at our range of budget-friendly plans and pricing designed to suit your requirements

    Do I need to register a business name?

    Business name registration allows you to legally operate under your chosen trading name, regardless of what your registered company name may be. If you want to trade under a different name to your company’s registered name, you’ll need to register it as a business name.

    You are not required to register a business name if you are a registered company in Australia and you operate under your company’s name.

    So if your company name is ‘Happy Shark PTY LTD’ and you are trading as ‘Happy Shark PTY LTD’, then you do not need to register a business name. However, if you’d like to trade as ‘Magic Shark’, then you will need to have this registered, as the business name is not the exact same as your first and last name.

    Business name registration is something our team is working on at the moment. We’re planning to add this service soon. Therefore the company you register with us will be trading under the company’s registered name.

    Can I add more directors in the future?

    At the moment we’re registering a company with single director and shareholder. However, you can add more directors losing the necessary form directly with ASIC. The process to be followed will usually depend on your company's constitution (or the replaceable rules, if your company has not adopted a constitution). The process would likely involve a resolution of the company (or its members, or both), a consent from the incoming director and preparation and lodgement of the necessary ASIC form.

    Can I start trading immediately after I register a company?

    As soon as we send confirmation email of successful company registration – you’re good to go!

    What is an ACN?

    An ACN is a 9 digit number allocated by the Australian Securities and Investments Commission (ASIC) when a body becomes registered as a company under the Corporations Act.