Some of the differences are crucial to some users:
Invoices – ANNA has good, free invoicing features in the app for all users. For example, ANNA can send polite reminders to clients who still haven’t paid up, and you can edit invoice templates in the app. With Starling Bank, you need the Business Toolkit add-on for good invoicing tools accessible in the desktop account.
Saving pots – You cannot put money into different savings pots with ANNA – there’s just one total account balance. Starling has ‘saving spaces’ where you can transfer money from the main account balance into individual sub-accounts, so you can reserve money for goals like tax bills, a new laptop etc. You can automatically save money into pots from the surplus of transactions rounded up.
Card controls – While you can set a spending limit, temporarily freeze the debit card and order a replacement card from the ANNA app, Starling’s card controls are a lot more advanced. For example, you can lock gambling payments, online purchases, ATM withdrawals and more, or unblock the PIN from the app (often, you have to do this from a cash point).