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.
| 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…
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…
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 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 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.
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.