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Tide alternatives: 5 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll business banking and payment accounts

Top picks

  • RazorpayX logo

    Best overall

    RazorpayX

    Starting price: ₹1,499/month, billed quarterly (Core)

  • Monzo logo

    Best free option

    Monzo

    Starting price: £3 a month (Extra)

Common reasons people leave Tide: no branches; support is app and phone based, and free plan limits invoices and features. We ranked 5 alternatives by how directly each one replaces Tide, then by reviews, real visits and how recently each app's facts were checked against its own website. RazorpayX currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1RazorpayX logoRazorpayXPaid₹1,499/month, billed quarterly (Core)NoWeb, iOS, Android4 of 474.4
2Qonto logoQontoPaid€9/month excl. VAT (Basic, billed annually)NoWeb, iOS, Android5 of 559.4
3Monzo logoMonzoFree plan + paid£3 a month (Extra)NoiOS, Android, Web8 of 854.4
4Wise logoWiseFree—NoWeb, iOS, Android3 of 352.6
5ANNA Money logoANNA MoneyFree plan + paid£1,000/month incoming free, then 0.95%NoWeb, iOS, Android5 of 542.3
  1. RazorpayX logo

    1. RazorpayXTop pick

    Best for: Indian startups and SMEs that send many payouts to vendors, employees or customers

    PaidWeb, iOS, Android

    74.4

    score / 100

    Why switch from Tide

    For Tide users in India: a current account with payouts, payroll and vendor payments built around Razorpay's payment stack.

    Pros

    • Payouts over UPI, IMPS, NEFT and RTGS around the clock
    • Payroll, vendor payments and tax payments in the same platform
    • Payout APIs for automating disbursements

    Cons

    • Monthly subscription is charged on top of per-payout fees
    • Only available to Indian businesses
    • Current accounts come from partner banks, not Razorpay itself
    Visit RazorpayX Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.15100
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is RazorpayX a good Tide alternative?

    Verified facts

    4 of 4 verified
    Starting price
    ₹1,499/month, billed quarterly (Core)
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Payout fees
    Charged on top of subscription
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Partner banks
    Axis, IDFC FIRST, RBL, slice SFB, YES Bank
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Payout rails
    UPI, IMPS, NEFT, RTGS, cards
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
  2. Qonto logo

    2. Qonto

    Best for: European SMEs and freelancers who want business banking, invoicing and spend control in one app

    PaidWeb, iOS, Android

    59.4

    score / 100

    Why switch from Tide

    For businesses in the EU: a fuller finance toolkit with invoicing, spend control and accountant access.

    Pros

    • Local IBAN with cards, transfers and invoicing in one app
    • Team plans with spend rules, sub-accounts and accountant access
    • One-month free trial on every plan
    • Interest on balances on mid and upper plans

    Cons

    • No free plan
    • Transfers and cards beyond plan limits cost extra
    • Licensed payment institution, not a full bank
    Visit Qonto Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Qonto a good Tide alternative?

    Verified facts

    5 of 5 verified
    Starting price
    €9/month excl. VAT (Basic, billed annually)
    Checked Nov 8, 2026qonto.com(opens source in a new tab)
    Free trial
    1 month
    Checked Nov 8, 2026qonto.com(opens source in a new tab)
    Customers
    750,000+ businesses
    Checked Nov 8, 2026qonto.com(opens source in a new tab)
    Regulation
    Licensed payment institution (ACPR, France)
    Checked Nov 8, 2026qonto.com(opens source in a new tab)
    International transfers
    Powered by Wise
    Checked Nov 8, 2026qonto.com(opens source in a new tab)
  3. Monzo logo

    3. Monzo

    Best for: UK residents who want a phone-first bank account with strong budgeting tools

    Free plan + paidiOS, Android, Web

    54.4

    score / 100

    Why switch from Tide

    Monzo also runs UK business accounts with a free tier, tied into an app many people already use.

    Pros

    • Pots and salary sorting make budgeting simple
    • No fees from Monzo on card spending abroad
    • FSCS deposit protection like a high-street bank
    • 24/7 in-app support

    Cons

    • Only open to UK residents
    • Paying in cash costs a fee at PayPoint or the Post Office
    • Best savings rates and some tools need a paid plan
    Visit Monzo Details and reviews
    How this score is calculated
    Editorial fit ×0.352
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Monzo a good Tide alternative?

    Verified facts

    8 of 8 verified
    Paid plans
    From £3 a month
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Deposit protection
    FSCS up to £120,000
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Eligibility
    UK residents only
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Customers
    16 million
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Free plan
    Yes, Monzo Free (16+)
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Starting price
    £3 a month (Extra)
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Perks plan
    £9 a month
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
    Max plan
    From £19 a month, 3 months minimum
    Checked Nov 8, 2026monzo.com(opens source in a new tab)
  4. Wise logo

    4. Wise

    Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies

    FreeWeb, iOS, Android

    52.6

    score / 100

    Why switch from Tide

    Better for businesses that bill and pay abroad, with multi-currency balances and low transfer fees.

    Pros

    • Mid-market exchange rate with fees shown upfront
    • Holds and converts 40+ currencies in one account
    • Local account details for receiving payments abroad

    Cons

    • Not a full bank in most countries, so no overdrafts or loans
    • Per-transfer fees still apply, especially for small amounts
    • Funds are safeguarded rather than covered by deposit insurance in many regions
    Visit Wise Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Wise a good Tide alternative?

    Verified facts

    3 of 3 verified
    Currencies
    40+
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Account fee
    Free to open
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Fund protection
    Safeguarded accounts
    Checked Nov 8, 2026wise.com(opens source in a new tab)
  5. ANNA Money logo

    5. ANNA Money

    Best for: UK sole traders and small limited companies who want banking and tax admin together

    Free plan + paidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Tide

    UK business account with receipt capture, invoicing and optional automated tax filing.

    Pros

    • Free plan with no monthly fee for getting started
    • Receipt capture, invoicing and pots built into the account
    • Optional Auto Accountant files Self Assessment, VAT and Corporation Tax
    • No monthly fee charged for months you don't use the account

    Cons

    • E-money account, not a bank, and no credit or loans
    • Free plan charges a commission on incoming payments over £1,000 a month
    • Tax filing service is a separate monthly cost
    Visit ANNA Money Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is ANNA Money a good Tide alternative?

    Verified facts

    5 of 5 verified
    Free plan
    £0/month, pay for what you use
    Checked Nov 8, 2026anna.money(opens source in a new tab)
    Free plan limit
    £1,000/month incoming free, then 0.95%
    Checked Nov 8, 2026anna.money(opens source in a new tab)
    Business plan
    £22.90/month + VAT
    Checked Nov 8, 2026anna.money(opens source in a new tab)
    Account type
    E-money account, not a bank
    Checked Nov 8, 2026anna.money(opens source in a new tab)
    Card issuer
    PayrNet Limited (FCA-authorised e-money)
    Checked Nov 8, 2026anna.money(opens source in a new tab)

The best Tide alternative for…

The highest-ranked app in this list for each need.

RazorpayX logo

Best Tide alternative for most people

RazorpayX

For Tide users in India: a current account with payouts, payroll and vendor payments built around Razorpay's payment stack.

Wise logo

Best Tide alternative for a free option

Wise

Better for businesses that bill and pay abroad, with multi-currency balances and low transfer fees.

Monzo logo

Best Tide alternative for a free plan you can upgrade

Monzo

Monzo also runs UK business accounts with a free tier, tied into an app many people already use.

Qonto logo

Best Tide alternative for iPhone and Android

Qonto

For businesses in the EU: a fuller finance toolkit with invoicing, spend control and accountant access.

ANNA Money logo

Best Tide alternative for working in the browser

ANNA Money

UK business account with receipt capture, invoicing and optional automated tax filing.

Tide alternatives: common questions

What is the best alternative to Tide?

RazorpayX ranks first right now. For Tide users in India: a current account with payouts, payroll and vendor payments built around Razorpay's payment stack. Qonto and Monzo follow it in our ranking.

Tide vs RazorpayX: what's the difference?

Tide is free with paid plans; RazorpayX is a paid product. Verified prices: Tide £12.49/month (Smart), RazorpayX ₹1,499/month, billed quarterly (Core). Both run on Web, iOS and Android.

Is Tide free?

Tide is free with paid plans. Free plan: Lite, no plan fee; Paid plans from: £12.49/month (Smart); Deposit protection: FSCS up to £120,000 via ClearBank. Checked on Tide's own site, November 2026.

How much do Tide alternatives cost?

Verified prices for the top-ranked Tide alternatives: RazorpayX, ₹1,499/month, billed quarterly (Core); Qonto, €9/month excl. VAT (Basic, billed annually); Monzo, £3 a month (Extra); ANNA Money, £1,000/month incoming free, then 0.95%. Each price was checked on the app's own site; see each card below for the date and source.

Is there a free alternative to Tide?

Yes. Monzo (free plan + paid), Wise (free) and ANNA Money (free plan + paid) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Tide?

None of the 5 alternatives in this list is open source.

Why do people switch from Tide?

The complaints we hear most: no branches; support is app and phone based; free plan limits invoices and features; mainly built for the UK market.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Tide, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.