ANNA Money vs Fire: what each publishes
As of October 17, 2026, we hold published rules from ANNA Money on 5 of 7 industries and from Fire on 2.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | ANNA Money | Fire |
|---|---|---|
| Crypto | Depends on the activity | No |
| iGaming | No | No published rule |
| Adult | No | No published rule |
| Unlicensed financial services | No | No |
| Forex and CFD | No | No published rule |
| AI and SaaS | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Where owners must live
ANNA Money
To apply for an Account, the Applicant must be a UK resident (but cannot be a US Person for tax purposes) and manage or be a director of:
Fire
No published rule
Rules about countries
ANNA Money
No published rule
Fire
We onboard businesses incorporated in the United Kingdom or Ireland with directors/owners resident and/or citizens of the EU & UK (and other countries available on request).
We onboard businesses incorporated in the United Kingdom or Ireland with directors/owners resident and/or citizens of the EU & UK (and other countries available on request).
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Fees
ANNA Money
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Free | Free to open ('Your account is free to open') | GBP 0 | · Source |
| Grow | Free to open ('Your account is free to open') | GBP 12.90 + VAT | · Source |
| Business | Free to open ('Your account is free to open') | GBP 22.90 + VAT (first month free) | · Source |
| Big Business | Free to open ('Your account is free to open') | GBP 59.90 + VAT | · Source |
Fire
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Fire Business Account (UK company) | GBP 0 set-up fee ('Set Up Fee') | GBP 10 a month ('Monthly Fee') | · Source |
| Fire Business Account (Irish or other EU company) | EUR 0 set-up fee ('Set Up Fee') | EUR 10 a month ('Monthly Fee') | · Source |
Closing an account
ANNA Money
for an Account opened on or after 28 April 2026, if we give you at least 90 days' notice and refund the Available Balance to you without charge; or
Fire
15.2 We may close the Business Account or any part of the Fire Services associated with it on giving you 90 days prior notice.
Licence
| Licensee | ANNA Money | Fire |
|---|---|---|
| Licensee | PayrNet Limited · EMI authorised by the FCA (FRN 900594), which issues the e-money in ANNA business accounts · ANNA (Absolutely No Nonsense Admin Ltd) is not itself authorised | Fire Financial Services Limited (Fire-UK) · EMI authorised by the FCA (FRN 900983) · Fire Financial Services Limited (Fire-EU, Ireland) · payment institution authorised by the Central Bank of Ireland (C58301) |
| Regulator | FCA · | FCA / Central Bank of Ireland · |