Tide vs RappiPay.
Tide (T70/100) and RappiPay (R50/100), 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 RappiPay 7-0.
| R RappiPay №78 · PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda 50 /100 | T Tide №36 · FCA 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. | Partner-bank FCA |
| Deposit guarantee Per depositor | Safeguarded CO.FOGAFIN | £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 | 4.3 ★ iOS 4.3 · And 4.2 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick RappiPay if…
Embedded fintech wallet inside the Rappi super-app. Davivienda partnership provides the underlying bank licence — RappiPay itself is a PSP. Pan-LatAm distribution via Rappi (CO + MX + BR + CL + PE + EC). Strongest super-app distribution channel for retail banking in LatAm.
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 Tide won 2 of 2
- Best for reach Tide won 1 of 3
- Best for ux Tide won 2 of 2
Tide vs RappiPay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is RappiPay better than Tide?
Under our v3 methodology, Tide leads RappiPay 7–0 across 12 dimensions. Composite scores: RappiPay 50/100 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 RappiPay or Tide cheaper?
Monthly fee — RappiPay: €0; Tide: €0. Card FX markup — RappiPay: 3.00%; 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, RappiPay or Tide?
RappiPay holds a Payment inst. licence under PSP under Superintendencia Financiera de Colombia; bank-product layer is Davivienda (FOGAFIN member, full-bank cover). RappiPay itself does not hold a bank licence. // TODO(verify).; deposit guarantee per depositor: Safeguarded. Tide holds a Partner-bank licence under FCA; deposit guarantee per depositor: £85,000. Tide is the stronger pick on regulatory protection.
Where can I use RappiPay and Tide?
RappiPay 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.