GuideLast checked 8 November 2026

Tide alternatives

An app-based business account for UK sole traders and limited companies, with a free plan, paid plans that remove card FX fees, and admin tools. If it doesn't fit, here are 31 accounts that share its market, starting with Incard, our pick for businesses whose main costs go on cards.

By the editorial team. How we make money. Our Tide profile.

Why Incard is our pick instead of Tide

Incard lists a euro account, which Tide's pages don't
Incard lists a US dollar account, which Tide's pages don't
Incard lists cards for your team, which Tide's pages don't
Incard lists accounts for LLPs, which Tide's pages don't
Card cashback on Incard: Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped. Tide: 0.5%, up to £200 a month, on Max only

cashback a year on Incard's £0 Free plan from £5,000 a month of eligible ads, software and travel spend. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co

We may earn a commission if you apply.

The alternatives

**Table notes:** correct as of 8 November 2026, from each provider's own pages. Incard is first as our pick for card spend (we may earn a commission from it); the rest are alphabetical, not ranked. “Lists” means the provider's pages mention it and Tide's don't.
Account	Cheapest plan	Lists, unlike Tide	Compare
IncardOur pick for card spend	Free: £0 a month	a euro account, a US dollar account, cards for your team, LLPs, Swiss GmbHs and AGs, Swiss sole traders	Compare Incard and Tide
AirwallexE-money · safeguarded, no FSCS	Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)	a euro account, card payments from customers, cards for your team, Swiss GmbHs and AGs	Compare Airwallex and Tide
Allica BankBank · FSCS cover	£0 a month with an average balance of £10,000 or more; otherwise £25 a month	cards for your team	Compare Allica Bank and Tide
AmexCredit card · no deposits held	Business Gold: £195 a year (£0 in the first year)	cards for your team, LLPs
ANNAE-money · safeguarded, no FSCS	Free: £0 a month, pay for what you use	invoicing	Compare ANNA and Tide
Bank of ScotlandBank · FSCS cover	No account fee for 12 months on a business's first account, then £10 a month	a euro account, card payments from customers
BarclaycardCredit card · no deposits held	Select Cashback: £0 a year	cards for your team
BarclaysBank · FSCS cover	Free for 12 months, then £8.50 a month	a euro account, a US dollar account, LLPs	Compare Barclays and Tide
Capital on TapCredit card · no deposits held	Free: £0 a year	cards for your team, LLPs
CountingupBank · FSCS cover	Free for 3 months, then £5 a month while you pay in up to £750 a month	card payments from customers, invoicing	Compare Countingup and Tide
Danske BankBank · FSCS cover	Small Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 a month	a euro account
Equals MoneyE-money · safeguarded, no FSCS	Business: £25 a month (£250 a year)	cards for your team, a euro account, a US dollar account
HSBCBank · FSCS cover	£0 a month	cards for your team, LLPs	Compare HSBC and Tide
LloydsBank · FSCS cover	Free for 12 months for businesses new to Lloyds, then £10 a month	a euro account, card payments from customers	Compare Lloyds and Tide
Metro BankBank · FSCS cover	£8 a month, or £0 in any month your balance stays at £6,000 or more; 12 months fee-free for businesses new to Metro Bank, 31 months for full switchers	a euro account, a US dollar account, invoicing, LLPs
MettleBank · FSCS cover	No fee for maintaining the account	invoicing	Compare Mettle and Tide
Monzo BusinessBank · FSCS cover	Lite: free	cards for your team, invoicing	Compare Monzo Business and Tide
NatWestBank · FSCS cover	No monthly fee; 2 years' free everyday banking for start-ups (turnover up to £1 million) and full switchers (turnover up to £2 million)	card payments from customers	Compare NatWest and Tide
PayhawkE-money · safeguarded, no FSCS	Growth program: £149 a month	cards for your team
PleoE-money · safeguarded, no FSCS	Start: £8 per user a month	cards for your team, a euro account, a US dollar account
Revolut BusinessBank · FSCS cover	Basic: £10 a month	a euro account, a US dollar account, card payments from customers, cards for your team	Compare Revolut Business and Tide
RBSBank · FSCS cover	No monthly fee; 2 years of free everyday banking for start-ups (turnover under £1m) and full-switch customers (turnover up to £2m)	Nothing extra listed
SantanderBank · FSCS cover	Free for 12 months for start-ups and switchers, then £9.99 a month	card payments from customers, LLPs	Compare Santander and Tide
SoldoE-money · safeguarded, no FSCS	Standard: £27 a month + VAT	cards for your team, a euro account, a US dollar account
StarlingBank · FSCS cover	£0 a month	a euro account, a US dollar account, card payments from customers, LLPs	Compare Starling and Tide
Co-op BankBank · FSCS cover	£0 a month	card payments from customers, LLPs
TSBBank · FSCS cover	Free for 30 months, then £5 a month (not charged if your average balance is £10,000 or more)	card payments from customers
Virgin MoneyBank · FSCS cover	25 months' free day-to-day banking for eligible start-ups and switchers, then £6.50 a month	card payments from customers, LLPs
Wise BusinessE-money · safeguarded, no FSCS	No subscription or monthly fee	a euro account, a US dollar account	Compare Wise Business and Tide
WorldFirstE-money · safeguarded, no FSCS	£0 a month	a euro account, a US dollar account, cards for your team
Zempler BankBank · FSCS cover	Business Go: £0 a month	card payments from customers, cards for your team, invoicing	Compare Zempler Bank and Tide

What Tide does well

Before you move, check that you won't lose something you use. Tide suits you if:

You want your balance held by a bank, with FSCS cover through ClearBank
You pay in cash or cheques
You'd pay for a plan to avoid card fees abroad

Many businesses keep their existing account and add a second one for card spending. Our switching guide covers both routes.

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Read Incard vs Tide Work out your cashback Check eligibility

Apply for Incard on incard.co

We may earn a commission if you apply.

a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.

Show all 153 sources