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Free Tide alternatives: 3 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank

3 of the 5 Tide alternatives we track can be used for free (free, open source, or with a free plan). Monzo, Wise and ANNA Money rank highest, with facts last verified Nov 8, 2026.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Monzo logoMonzoFree plan + paid£3 a month (Extra)NoiOS, Android, Web8 of 854.4
2Wise logoWiseFree—NoWeb, iOS, Android3 of 352.6
3ANNA Money logoANNA MoneyFree plan + paid£1,000/month incoming free, then 0.95%NoWeb, iOS, Android5 of 542.3
  1. Monzo logo

    1. MonzoTop pick

    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)
  2. Wise logo

    2. 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)
  3. ANNA Money logo

    3. 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)