# ANNA Money

**Canonical:** https://apis.io/providers/anna-money/  
**Website:** https://www.anna.money/  
**APIs profiled:** 0

ANNA Money (a trading name of Absolutely No Nonsense Admin Ltd, company number 10149389, Cardiff, a subsidiary of ANNA Holdings Ltd) is a UK digital business account and tax app for freelancers, startups, and small businesses, positioned as a challenger to the high-street banks. ANNA is not a bank but an e-money proposition: its Mastercard and e-money services are issued by PayrNet Limited, authorised by the Financial Conduct Authority for electronic money service activities (FCA FRN 900594), and its Account Information Services are provided under agency of TrueLayer (FCA FRN 901096). Within UK Open Banking, ANNA is a consumer / third-party provider (TPP) rather than an account-holding ASPSP or a CMA9 mandated bank - it uses TrueLayer's Data and Payments APIs for external account aggregation, automatic VAT calculation, and QR-code "pay by bank" collection. ANNA publishes no public developer portal, no Open Data API, and no OBIE Read/Write (AIS/PIS/CBPII) API surface of its own; its public GitHub organisation hosts open-source engineering tooling (asyncio, aiohttp, and Postgres libraries) rather than product APIs.

## Kin Score — 14.4 / 100 (emerging)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 14.4).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Anna Money Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, Fintech, Business Account, Open Banking, PSD2, Account Information, Payments, E-Money, United Kingdom, SME

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/anna-money/). Scores are computed from the provider's own public artifacts under a published rubric.