Tide vs Trust Bank.
Tide (T70/100) and Trust Bank (T52/100), 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 Trust Bank 6-0.
| T Tide №36 · FCA 70 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FCA | Payment inst. MAS |
| Deposit guarantee Per depositor | £85,000 GB.FSCS | Safeguarded SG.SDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| 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 4.7 · And 4.6 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
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.
Pick Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- 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 1 of 2
Tide vs Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Tide better than Trust Bank?
Under our v3 methodology, Tide leads Trust Bank 6–0 across 12 dimensions. Composite scores: Tide 70/100 vs Trust Bank 52/100. Tide is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Tide or Trust Bank cheaper?
Monthly fee — Tide: €0; Trust Bank: €0. Card FX markup — Tide: Interbank; Trust Bank: 1.00%. 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, Tide or Trust Bank?
Tide holds a Partner-bank licence under FCA; deposit guarantee per depositor: £85,000. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Tide is the stronger pick on regulatory protection.
Where can I use Tide and Trust Bank?
Tide operates in 2 countries; Trust Bank operates in 1 country. 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.