The landscape of workplace investigations is shifting, and ibex gale is helping organisations navigate this change. As a leading UK provider of independent workplace investigations and employee relations support, the firm is responding to heightened awareness around wellbeing, psychological safety and organisational culture. Its work enables businesses to run investigations that are evidence-driven and rigorous, while remaining fair, respectful and sensitive to those involved.

Workplace investigations are formal mechanisms used to examine issues such as harassment, discrimination, whistleblowing and misconduct. Often perceived as procedural necessities, these investigations are being reimagined by ibex gale. The organisation’s specialist team brings expertise in trauma-informed interviewing, bias-aware investigation design and interviewee care, ensuring that even the most challenging cases are approached with empathy alongside procedural strength.

“Our goal is to uncover the truth while minimising harm and delivering fair, impartial and evidence-based investigations,” said Shelley Morgan, Joint Head of Investigations at ibex gale.

Through their specialised services in grievance and disciplinary investigation support, sexual harassment investigations, and whistleblowing and protected disclosure cases, ibex gale has become a trusted partner for organisations seeking both clarity and care in their internal processes. Their approach actively reduces re-traumatisation, ensures confidentiality, and allows employees to feel heard and respected, not interrogated.

This focus on trauma-informed HR investigations is more than best practice, it’s fast becoming a strategic necessity. Employers who take a purely procedural approach risk not only flawed outcomes, but reputational damage, legal liability and internal distrust. Recent cases across healthcare, education and the charity sector have highlighted the consequences of poorly managed investigations, with significant fallout for both staff and leadership.

ibex gale supports clients ranging from SMEs to FTSE-listed firms, often stepping in when internal teams are too close to the issue or lack the specialist expertise required. Their work spans investigations, employee relations, culture, change and governance and assurance.

Crucially, they offer a fresh, people-first methodology for handling bullying, harassment and discrimination investigations, helping businesses maintain fairness while managing risk.

As public scrutiny grows around how organisations handle complaints, there is increasing pressure for employers to move beyond ‘tick-box’ HR responses and adopt more thoughtful, values-led practices. In this environment, ibex gale’s trauma-informed investigation approach offers more than legal defensibility; it builds trust.

Whether an investigation involves senior leadership, safeguarding concerns, or long-running internal disputes, the team at ibex gale brings clarity, independence and care to every step of the process.

About ibex gale

ibex gale is a specialist consultancy of HR professionals and former employment lawyers, with expertise in workplace investigations, employee relations, workplace culture, change management, and governance. Committed to trauma-informed practices and psychological safety, ibex gale partners with organisations to deliver investigations that combine professional rigour with compassion.

For freelancers, managing finances effectively is crucial for success and you’re often on your own in this department. A dedicated business account is the foundation and a decision not to be taken lightly as it provides clarity, professionalism, and simplifies your processes, including tax returns and invoicing.

Most freelancers are specialists and didn’t set out to become finance experts, marketing gurus or HR professionals, but it’s all part of the job!

With the rise of digital-first challenger banks, freelancers now have a wealth of options, each with its own unique set of features and fee structures. This post provides a comprehensive comparison of four of the most popular choices for UK-based freelancers: ANNA Money, Tide, Monzo, and Starling Bank. We will delve into their fees, key features, and the speed at which you can get started, helping you make an informed decision to open a business account for your business.

ANNA Money: The AI-Powered Assistant – Your Ultimate Admin Solution

ANNA (Absolutely No-Nonsense Admin) Money positions itself as more than just a business account; it’s a proactive financial assistant designed to tackle the administrative burdens of running a small business with unparalleled efficiency. Its standout feature is its cutting-edge AI-powered app that intelligently handles invoicing, meticulously tracks expenses, and even provides timely tax reminders, freeing up valuable time for freelancers to focus on their core work.

Fees

ANNA offers a flexible tiered pricing structure. The Pay As You Go plan has no monthly fee, making it an exceptionally attractive and low-risk option for those just starting out. While it includes a 0.95% commission on all incoming payments, this model ensures that costs are directly tied to income, proving highly economical for freelancers with fluctuating or lower transaction volumes. For more established freelancers, the Business plan, at £19.90 per month (plus VAT), offers 60 free local transfers and other valuable perks. International payments on all plans have a competitive 1% currency conversion fee.

Key Features

ANNA’s key strength lies in its robust and intelligent automation features. The app can effortlessly create and send professional invoices, and its advanced receipt capture tool utilizes AI to automatically categorize expenses with precision, significantly reducing manual effort. For limited companies, the +Taxes add-on (£24.00/month + VAT) provides a comprehensive, integrated solution for bookkeeping, VAT, and payroll, a feature that truly sets ANNA apart. This makes ANNA an indispensable tool for freelancers who demand a highly streamlined and automated financial administration system.

Account Opening Speed

ANNA boasts one of the fastest and most convenient account opening processes in the market. You can open an account in under 10 minutes through their intuitive app, and you’ll receive your Mastercard debit card within a swift 3-4 business days, allowing you to get started almost immediately.

Tide: The Scalable Business Account

Tide is a popular choice for freelancers and small businesses, offering a range of plans that can scale as your business grows. It provides a straightforward and user-friendly platform with a focus on core business banking features.

Fees

Tide’s Free plan has no monthly fee, but charges 20p for transfers to and from other bank accounts. This can be a significant consideration for freelancers who make frequent payments, potentially leading to higher cumulative costs compared to ANNA’s transparent fee structure. As your business grows, you can upgrade to their paid plans – Smart (£12.49/month + VAT), Pro (£24.99/month + VAT), or Max (£69.99/month + VAT) – which offer a set number of free transfers and other benefits. International transactions on the free plan come with a 2.75% FX fee for card payments and a 1.50% FX fee for transfers, which is notably higher than ANNA’s consistent 1% fee.

Key Features

Tide provides all the essentials a freelancer needs, including a business Mastercard, automatic transaction categorization, and invoicing tools. Their paid plans unlock more advanced features like expense cards for team members, dedicated support, and even legal assistance. The ability to integrate with accounting software like Xero and QuickBooks is a valuable feature for all users.

Account Opening Speed

Tide’s account opening process is generally quick, with most accounts set up within minutes. However, depending on the complexity of your business, it can take a few days for your account to be fully verified and operational.

Monzo: The All-Rounder

Monzo has gained a loyal following for its user-friendly personal accounts, and its business accounts offer the same intuitive experience. With a strong focus on transparency and customer service, Monzo is an excellent all-round option for freelancers.

Fees

Monzo’s Lite plan is free and includes free UK bank transfers, which is a major advantage for freelancers. The Pro plan, at £9 per month, adds features like Tax Pots, which automatically set aside a percentage of your income for taxes. The Team plan, at £25 per month, is geared towards small businesses with employees and includes expense cards.

Key Features

Monzo’s business accounts are packed with features designed to make managing your money easier. Their signature Pots feature allows you to separate your money for different purposes, such as taxes or savings. The app also includes invoicing tools, integrations with popular accounting software, and 24/7 customer support. Crucially, Monzo is a fully regulated UK bank, which means your eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000.

Account Opening Speed

Monzo’s account opening process is incredibly fast, with 90% of business accounts opened on the same day you apply. You can apply in minutes through their app.

Starling Bank: The Fee-Free Champion

Starling Bank has won numerous awards for its business banking services, and for good reason. It offers a feature-rich business account with no monthly fees, making it a top choice for freelancers who want to keep their costs down.

Fees

Starling Bank’s business account has no monthly fees and no fees for UK bank transfers. This makes it one of the most cost-effective options on the market. They also offer free ATM withdrawals and no fees for using your card abroad. The only significant fees are for cash deposits at the Post Office (0.7% with a £3 minimum) and for SWIFT international payments.

Key Features

Starling Bank provides a comprehensive set of features, including a Mastercard debit card, 24/7 UK support, and FSCS protection. Their Spaces feature is similar to Monzo’s Pots, allowing you to set money aside for specific goals. The app also includes spending analytics, receipt capture, and integrations with accounting software. For those who need more advanced bookkeeping features, the Business Toolkit is available for a reasonable £7 per month.

Account Opening Speed

Starling Bank’s account opening process is swift, with most applications processed in less than 24 hours. In some cases, verification may take a few working days.

Comparison at a Glance:

Feature	ANNA Money	Tide	Monzo	Starling Bank
Monthly Fee (Basic/Free Plan)	£0 (Pay As You Go)	£0 (Free Plan)	£0 (Lite Plan)	£0
Transaction Fees (UK Transfers)	0.95% commission on incoming payments (Pay As You Go), Unlimited outgoing. Business plan: 60 free, then 20p.	20p/transfer (Free Plan)	Free	Free
International Payments	1% currency conversion fee (all plans). SWIFT payments (£5 after 2 free on Business plan).	2.75% FX fees (Free Plan card), 1.50% FX fee (Free Plan transfer). Paid plans: 0% FX fees (card), 0.50% FX fee (transfer).	No fees for using card abroad. SWIFT fees not explicitly stated for Lite.	No fees abroad for card payments. SWIFT: £5.50 delivery + 0.4% transfer fee (min £1, max £25).
ATM Withdrawals	Free (Pay As You Go). Business plan: 3 free, then 1% (min £1).	£1	Fee applies (not specified for Lite, but generally £1.50 for cash deposits).	Free
Cash Deposits	Pay cash in (Pay As You Go). Business plan: up to £300 free, then 1% (min £1).	Post Office: 0.99% (min £2.50). PayPoint: 3%.	Via PayPoint (fee applies).	Post Office: 0.7% (min £3).

Conclusion

Choosing the best business account for your freelance business depends on your individual needs and priorities. However, for freelancers seeking to revolutionize their financial administration through intelligent automation and a truly supportive AI assistant, ANNA Money emerges as the leading choice.

• ANNA Money is the standout choice for freelancers who prioritize cutting-edge AI-powered automation to streamline their financial admin, offering unparalleled convenience and efficiency. Its flexible Pay As You Go model is ideal for new freelancers, and its comprehensive +Taxes add-on provides an all-in-one solution for growing businesses.
  
  
• Tide offers a scalable solution that can grow with your business, but its per-transaction fees on the free plan and higher international FX fees might be less cost-effective for some compared to ANNA.
  
  
• Monzo is a fantastic all-rounder, with a user-friendly app, great features, and the security of a fully regulated bank, but it lacks the advanced AI-driven automation that defines ANNA’s offering.
  
  
• Starling Bank is highly competitive on fees, offering a feature-rich account with no monthly charges. While excellent for cost-conscious freelancers, it doesn’t provide the same level of integrated AI-powered administrative support as ANNA Money.

Ultimately, the best way to decide is to carefully consider your own business needs and compare them against the features and fees of each provider. With the information in this post, you are now well-equipped to make the right choice for your unique freelance journey, with ANNA Money offering a distinct advantage for those looking to truly optimize their financial workflow with their own AI business account in the palm of your hand.

A leadership coaching service, digital marketing agency and commercial graphic design team are amongst the first ten businesses to occupy space in The Wellsprings, a new flexible office, meeting room and co-working innovation space in Bolton.

Since opening its doors in September, ten businesses have moved into The Wellsprings including Boo Coaching & Consulting, TAO Digital and Sisu Projects. Joining them are tender writing and bid management service, Thornton & Lowe; regional business coaching solution, Action Coach NW; and surface finishings provider, T6. Qualifications providers HR Courses Online and Liverpool Colleges have taken offices in The Wellsprings, as well as female empowerment missionary Precious Gems, and cybersecurity specialist Blackgrid Cyber.

Becci Martin, co-founder of Boo Consulting & Consulting, said: “As a business focused on helping leaders create happier, healthier workplaces, being based here really aligns with what we stand for.

“The wraparound support, learning opportunities and sense of community have been a huge boost – we’ve never experienced anything quite like it. The natural light, open views and welcoming atmosphere have made such a difference to our wellbeing, and we’re building brilliant connections with other businesses in the building.

“It’s a great location too, based close to the networks we’re part of and easy for our customers to visit. The space has everything we need – it’s inclusive, flexible and genuinely helps us and our clients to thrive.”

Chris Chadwick, managing director of graphic design service Sisu Projects, said: “From the moment we walked into The Wellsprings, the quality and attention to detail really stood out. It’s a space we’re genuinely proud to bring clients to, with the flexibility to work collaboratively alongside the centre’s other businesses or meet privately in our own office or the meeting spaces.

“The on-site support and thriving community have been transformative – we’ve built relationships, shared knowledge, and even collaborated on projects with other businesses here. What’s been really exciting, is being able to contribute our own signage and graphics to the building. It’s made us feel truly part of the space, and we think this will be a fantastic place to grow our business.”

The Wellsprings’ innovation director, Ian Balderson, will provide growth and innovation coaching and support to businesses who use the space. The businesses will also benefit from a calendar of networking events and workshops, as well as access to The Wire, a new digital platform that aims to connect people to others in the network of Oxford Innovation Space, which manages The Wellsprings on behalf of Bolton Council.

Ian said: “It’s a real pleasure to welcome so many new businesses to The Wellsprings. They’re great examples of the innovation and entrepreneurship that continue to drive Bolton’s business community forward.”

The Wellsprings renovation was backed by £6.9m from the Towns Fund with a further £1.4m from the UK Shared Prosperity Fund.

 

Multi-award-winning leadership specialist Anna Mosley has launched a new high-level development programme aimed at founders and business leaders who have already built strong six or seven-figure companies and are now preparing to scale further.

Set to open in January 2026, the Extraordinary Leader Programme combines a structured online curriculum with small-group coaching across a 12-week period. Designed for time-pressured founders, the programme creates a focused environment for driven and receptive leaders seeking the mindset, strategic clarity and leadership confidence required to reach eight-figure growth.

Mosley — who has supported thousands of leaders over the past decade and partnered with international brands such as L’Oréal, Boots and LinkedIn — explains that many founders reach a point where operational success alone is no longer enough to support future expansion.

“These founders have done brilliantly to reach six or seven figures and build a team — but in order to scale from here, something has to shift,” Mosley said.

“Most founder have never been taught how to lead. This programme shows them how to become the leader their business needs them to become for this phase of business growth. It gives them the tools, confidence and capability to step into the CEO role of both their business and their life.”

Extraordinary Leader helps founders master how to:

• Lead themselves — building confidence, clarity and self-leadership capability
• Lead others — empowering people and developing future leaders, with maximum impact and influence
• Lead culture — driving high performance, accountability and a team that wins without them

Participants will learn how to free themselves from day-to-day firefighting, and carve out more time to work on their business rather than constantly being stuck in it.

“This programme is designed for the high-achieving yet plateauing founder ready to level up in 2026 — they know they are capable of more, but don’t yet know how to get there,” Mosley added.

“The transformation is profound: participants gain clarity, capability, community and a strategic pathway to scale. They stop feeling stuck, mastering leadership for growth.”

A master in Neuro-Linguistic Programming (NLP) and an expert in high performance culture, Mosley brings a rare ability to make leadership simple, actionable and transformational.

Applications for the Extraordinary Leader Programme are now open.

To register interest or secure a place, visit: go.eighty.academy/eighty-extraordinary-leader

A local Manchester entrepreneur who’s made it her business to help local authorities and corporations understand their communities and stakeholders, is being honoured, as she hits her second year anniversary, with an award that celebrates her as a key figure at the heart of the research industry.

Dr Felicity Heathcote-Marcz, 34, based in Greater Manchester, makes it her mission to help make public sector spending deliver for residents within local communities, and her work with Sheffield City Council, designing and delivering the research behind a City Centre Access & Movement Strategy, has seen her agency Bare Analysis win the coveted CIHT (the Chartered Institution of Highway and Transportation) Award for best Equality, Diversity and Inclusion project.

Alongside Steer consultancy, a global agency with offices in Manchester, and Nota Bene, an SME based in Sheffield, Bare Analysis took a different approach to providing the insights to inform this Strategy for Sheffield City Council. By focussing on ethnographic techniques alongside focus groups and interviews with business leaders, while reaching out to people who are often excluded from traditional consultation projects, such as refugees, those with disabilities and older and younger demographics, the team made sure an exceptionally rich picture of current transport journeys, needs and priorities for the future were fed back to the client.

This month has also seen her celebrate a new client win, as Bare Analysis, taps into innovative methods to help employers in the region. Research has found that the UK economy is significantly affected by long term sickness absence since the Covid pandemic, and in this health focused project Dr Felicity will lead a team focused on understanding the costs to Northern employers of employee sickness absence. They will also look to uncover the impact of chronic pain conditions on the UK workforce. Bare Analysis is working with a team of expert academics and innovators to uncover these costs and provide recommendations for new incentives and treatment options to benefit employees, employers and local government, including the NHS.

Making a name for herself supporting public sector organisations, she’s also worked with West Yorkshire Combined Authority (WYCA), Westminster City Council, Transport for London and Creative Estuary (via RealWorth Consultancy) over the last 2 years – and her expertise was called upon earlier this month when she was a speaker at The Local Transport Summit sharing her insights on ‘Putting people at the heart of transport decisions: Building consensus through user-centred strategy’. She also recently presented on the importance of quality research in a world of AI, as part of a panel discussion at the recent AI summit for the Liverpool City Region.

She said: “Over these last 2 years in self employment I have been involved in the delivery of transport projects that have supported strategic decision making across local government and social value projects. Some of these have put a monetary value on the change to real people’s lives from community interventions. This is what the power of research is all about to me. Uncovering the hidden realities of what change is needed to significantly make a difference to real people, to signpost to clients where change is needed first and most, showcasing the cracks that need fixing via immersive research, to help improve the quality of people’s lives. This helps to make communities stronger – and I’m really grateful that my knowledge and skills enable me to make a difference”.

Dr Felicity founded Bare Analysis in 2023 on an essentialist approach – delivering simple, essential truths which help inform decisions that lead to win-win solutions, both for the user of the services, and from the organisation too. The name ‘Bare Analysis’ was inspired by this essentialist philosophy, along with a trip to the stunning wild Beara Peninsula in Ireland, where the bare beauty of the views sparked reflection on what is essential and important in life.

She has worked with clients across a broad variety of contexts to create positive change, including for local and central government, transport providers, NHS and healthcare companies, banking and ecommerce clients and asset management companies / developers.