In the paper we present a watermarking scheme developed to meet the specific requirements of audio annotation watermarking robust against DA/AD conversion (watermark detection after playback by loudspeaker and recording with a microphone). Additionally the described approach tries to achieve a comparably low detection complexity, so it could be embedded in the near future in low-end devices (e.g. mobile phones or other portable devices). We assume in the field of annotation watermarking that there is no specific motivation for attackers to the developed scheme. The basic idea for the watermark generation and embedding scheme is to combine traditional frequency domain spread spectrum watermarking with psychoacoustic modeling to guarantee transparency and alphabet substitution to improve the robustness. The synchronization and extraction scheme is designed to be much less computational complex than the embedder. The performance of the scheme is evaluated in the aspects of transparency, ...