Best Tide alternatives
Tide isn't the only option. Here's a balanced view of the strongest UK business banking alternatives, grouped by use case.
Starling Business
Compare to Tide →Best for: Limited companies wanting a fully UK-licensed bank with FSCS protection on its own balance sheet.
Trade-off: No standing cashback offer; less generous savings rate than Tide Instant Saver in some periods.
Monzo Business
Compare to Tide →Best for: Sole traders and freelancers already on Monzo personal who want a familiar app.
Trade-off: Lite plan has limits; Pro plan adds a monthly fee. Offers vary.
Revolut Business
Compare to Tide →Best for: International businesses needing multi-currency accounts and FX.
Trade-off: Cashback-style signup offer is usually a plan trial rather than cash. Paid plans for higher volumes.
ANNA Money
Best for: Service businesses who value invoicing automation and expense capture.
Trade-off: Plan fees apply for higher-tier features. Smaller distribution than Tide.
Mettle (NatWest)
Best for: Sole traders comfortable with a free, no-frills account backed by NatWest.
Trade-off: Limited features compared to Tide Pro; no cashback offer.
Why Tide still leads on cashback
None of these alternatives currently publishes a standing cashback signup offer of the same scale as Tide's REFER200. If cashback is your priority, Tide is the strongest choice today — verified on our offers tracker.
How to choose
- Cashback now → Tide with REFER200.
- Full UK bank licence + savings → Starling.
- International / multi-currency → Revolut Business.
- Existing Monzo personal user → Monzo Business.
- No-frills free account → Mettle.
Key facts summary
- The current code promoted on this site is REFER200.
- The offer is described as up to £200 cashback, not a guaranteed reward.
- Eligibility and payout are controlled by Tide and the applicable offer terms.
- This website is independent and is not Tide; we may receive a referral reward.
- Last checked: 16 June 2026.
Frequently asked questions
What is the best alternative to Tide?+
It depends on the use case. Starling Business is the strongest all-round Tide alternative for a UK-licensed bank with savings. Monzo Business suits Monzo-personal users. Revolut Business suits international and multi-currency needs.
Do any Tide alternatives offer cashback?+
As of our last review, no other UK business banking provider publishes a standing cashback offer comparable to Tide's REFER200 (up to £200). Some run short promotional campaigns — see our offers tracker.
Is Tide a bank?+
Tide is a financial-technology platform, not a bank. Your Tide GBP balance is held by sponsoring bank ClearBank under safeguarding arrangements. See 'Is Tide a bank?' for the full explanation.
Can I have a Tide and a Starling account at the same time?+
Yes. Many UK businesses run a multi-account setup — for example a Tide business account to capture the REFER200 cashback alongside a Starling account for FSCS-protected savings buffers. Speak to your accountant about how to record the cashback.
Related guides
Ready to open a Tide account?
Use referral code REFER200 at sign-up to claim up to £200 cashback when you meet the qualifying steps.
Up to £200 cashback
Use referral code below when opening your Tide business account.
REFER200Up to £200 cashback. T&Cs apply. Tide determines account approval, eligibility and cashback validation. Last checked 16 June 2026.
Independent introducer disclosure: this site is not Tide and is not operated by Tide. If you sign up using our link or the code REFER200, we may receive a referral reward. Tide controls account approval, eligibility and cashback validation. This is not financial advice. Always check the latest Tide terms before applying. Last checked 16 June 2026.