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№02 · HEAD-TO-HEAD · Edition №08 · Updated 11 March 2026

Tide vs TymeBank.

Tide (T70/100) and TymeBank (T50/100), 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 TymeBank 7-0.

Quick verdict Tide 7–0
Score 10 of 1
Fees 10 of 4
Protection 20 of 2
Reach 10 of 3
UX 20 of 2
Tide TymeBank
Banks compared 2 banks · 12 dimensions
T Tide 70/100 T TymeBank 50/100 + Add a third bank
Tally · who wins more rows12 dimensions compared
TTide
71 tie · 4 loss
TTymeBank
01 tie · 11 loss
Winner: Tide Closest gap: 7rowsEdition №08
T
Tide №36 · FCA 70 /100
T
TymeBank №73 · SARB 50 /100
Score
Composite score Out of 100 70 /100 50 /100
Fees
Monthly fee Cheapest paid tier (€0 if free) €0 Free tier €0 Free tier
FX markup Debit card abroad Interbank 2.00%
Free FX / month EUR equivalent €0 €0
Free ATM Before fee kicks in
Protection
Banking licence Tier Partner-bank FCA Payment inst. SARB
Deposit guarantee Per depositor £85,000 GB.FSCS Safeguarded ZA.CODI
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 4.3 ★ iOS 4.4 · And 4.3
Read review Read review

Pick Tide if…

Tide №36

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 TymeBank if…

TymeBank №73

First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.

Best at a glance Axis-by-axis winner — ties skipped.
  • 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
Frequently asked

Tide vs TymeBank — FAQ

Quick answers to the four questions the search-bar asks most about a head-to-head.

Is Tide better than TymeBank?

Under our v3 methodology, Tide leads TymeBank 7–0 across 12 dimensions. Composite scores: Tide 70/100 vs TymeBank 50/100. 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 TymeBank cheaper?

Monthly fee — Tide: €0; TymeBank: €0. Card FX markup — Tide: Interbank; TymeBank: 2.00%. 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 TymeBank?

Tide holds a Partner-bank licence under FCA; deposit guarantee per depositor: £85,000. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Tide is the stronger pick on regulatory protection.

Where can I use Tide and TymeBank?

Tide operates in 2 countries; TymeBank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.

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