Tide vs Found.
Tide (T70/100) and Found (F69/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Tide leads Found 4-2.
| F Found №39 · FDIC 69 /100 | T Tide №36 · FCA 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank FCA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | £85,000 GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 4.3 ★ 35k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
Pick Tide if…
The UK SMB-default neobank by member count. Free UK business current account with sort code + Mastercard debit, built-in HMRC tax tools and invoicing, and the deepest UK accountant-integration set (Xero, QuickBooks, Sage, FreeAgent). The product depth (invoicing, VAT estimates, tax-aside automation, accountant access, business-loan partner panel) is the strongest in the UK SMB category. EMI-licensed, not a chartered bank — the structural trade-off versus Starling Business is that Tide funds on the current account are safeguarded under EMI rules, not FSCS-deposit-insured. That is the most-misread structural fact about Tide.
- Best for fees Tide won 1 of 4
- Best for protection Found won 1 of 2
- Best for reach Tide won 1 of 3
- Best for ux Tied
Tide vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Tide?
Under our v3 methodology, Tide leads Found 4–2 across 12 dimensions. Composite scores: Found 69/100 vs Tide 70/100. Tide is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Found or Tide cheaper?
Monthly fee — Found: €0; Tide: €0. Card FX markup — Found: 1.00%; Tide: Interbank. Tide wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Found or Tide?
Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Tide holds a Partner-bank licence under FCA; deposit guarantee per depositor: £85,000. Found is the stronger pick on regulatory protection.
Where can I use Found and Tide?
Found operates in 1 country; Tide operates in 2 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.