Can I have ANNA and Capital On Tap together?

Yes. ANNA as the bank + invoicing app, Capital On Tap as the credit card. Direct Debit Capital On Tap from your ANNA account.

Independent comparison · May 2026

Capital On Tap vs ANNA Business (2026)

ANNA is a UK business banking app aimed at freelancers and small Ltd companies with built-in invoicing and tax. Capital On Tap is a credit card. Complementary, not competitive.

Side-by-side specification

	Capital On Tap	ANNA
Annual fee	£0 (Business) / £99 (Rewards)	From £0 (Pay-as-you-go) to £49.90/mo (Big Business)
Rewards	1 point per £1 (= 1% cashback or 1 Avios 1:1)	Limited cashback on tiers
Foreign-exchange fee	0% FX fees worldwide	Varies by tier
Credit limit	Up to £250,000	N/A — debit
Eligibility	UK Ltd / LLP / PLC, £24k+/yr turnover, no unsatisfied CCJs (last 12 months). Sole traders not eligible. No published minimum trading-period rule.	UK Ltd or sole trader
Representative APR	34.65% representative variable	N/A
Application	~2 minutes, soft credit check first	App, ~10 minutes
Card type	Visa Business credit card	Mastercard debit

Where Capital On Tap wins

✓ True credit card vs ANNA's debit
✓ 1% cashback flat
✓ £75 welcome bonus with code 2REFY893A52
✓ 0% FX
✓ Higher credit limit

Where ANNA wins

✓ Business banking with invoicing built in
✓ VAT and Self Assessment tax help
✓ Works for sole traders
✓ Smart receipt-matching

Who should pick which

Pick Capital On Tap if

You want a credit card with rewards.

Pick ANNA if

You're a freelancer or small Ltd wanting integrated banking + tax + invoicing in one app.

FAQs: Capital On Tap vs ANNA

Can I have ANNA and Capital On Tap together?: Yes. ANNA as the bank + invoicing app, Capital On Tap as the credit card. Direct Debit Capital On Tap from your ANNA account.