Revolut vs Tide.
Revolut (R91/100) and Tide (T70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut leads Tide 9-1.
| R Revolut №01 · Bank of Lithuania 91 /100 | T Tide №36 · FCA 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 91 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €1,000 | €0 |
| Free ATM Before fee kicks in | €200 /mo | — |
| Protection | ||
| Banking licence Tier | Full bank Bank of Lithuania | Partner-bank FCA |
| Deposit guarantee Per depositor | €100,000 EU.DGS.LT | £85,000 GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 48 countries | 2 countries |
| Crypto Coins available | 280 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 367k reviews | 4.3 ★ 35k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
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 Revolut won 2 of 4
- Best for protection Revolut won 2 of 2
- Best for reach Revolut won 3 of 3
- Best for ux Tied
Revolut vs Tide — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut better than Tide?
Under our v3 methodology, Revolut leads Tide 9–1 across 12 dimensions. Composite scores: Revolut 91/100 vs Tide 70/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut or Tide cheaper?
Monthly fee — Revolut: €0; Tide: €0. Card FX markup — Revolut: Interbank; Tide: Interbank. Revolut wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Revolut or Tide?
Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Tide holds a Partner-bank licence under FCA; deposit guarantee per depositor: £85,000. Revolut is the stronger pick on regulatory protection.
Where can I use Revolut and Tide?
Revolut operates in 48 countries; 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.