Finom vs Tide Comparison
Compare Finom vs Tide features, pricing, and more.
Last updated: November 2026
Finom
6.2/10
Finom is a European online business account that combines payment cards, invoicing, multi-bank cash overview and accounting tools for freelancers and SMEs.
Tide
6.4/10
Tide is a UK app-based business current account for sole traders and small firms, with optional built-in invoicing, accounting, VAT filing and payroll.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.2/10 | 6.4/10 |
| Scalability | 5/10 | 4/10 |
| Analytics | 4/10 | 5/10 |
| Compliance | 6/10 | 7/10 |
| Integration | 6/10 | 7/10 |
| Security | 7/10 | 6/10 |
| Support | 6/10 | 4/10 |
| Cost | 7/10 | 8/10 |
| Customization | 4/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €21/mo Basic | £12/mo Smart |
| Estimated cost for 10 users | €21/mo Basic | Free Lite |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Financial Reporting | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Finom vs Tide cost by team size
| Team size | Finom | Tide |
|---|---|---|
| 1 user | FreeSolo | FreeLite |
| 5 users | €21/moBasic | FreeLite |
| 10 users | €21/moBasic | FreeLite |
| 25 users | €21/moBasic | FreeLite |
| 50 users | €21/moBasic | FreeLite |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Finom
- Higher Support score (6/10 vs 4/10)
- Higher Scalability score (5/10 vs 4/10)
Why choose Tide
- Higher Analytics score (5/10 vs 4/10)
- Higher Compliance score (7/10 vs 6/10)
Pros & Cons
Finom
Pros
- A free Solo plan includes a business account, cards and invoicing, so sole traders pay nothing to start.
- Invoices can carry one-click payment links and send automatic overdue reminders, which speeds up collection.
- Employee cards can be issued, limited and topped up in the app, and staff capture receipts by photo.
- Card spend earns cashback of up to 3%, and savings interest rises with the plan tier.
- Connects to accounting tools including Sage, Odoo and NetSuite, and supports multi-bank connections.
Cons
- There are no SWIFT payments, so international transfers outside SEPA need another account.
- Users report sudden account freezes in 2026, with funds held and little explanation from Finom.
- It is not a full accounting ledger, so most businesses still need separate bookkeeping software.
- Fees for transaction volume, foreign exchange and ATM use can add up on the lower tiers.
Tide
Pros
- A free Lite plan includes a sort code account, card, payment links and Tap to Pay with no monthly fee.
- MTD VAT returns can be filed to HMRC directly from the app.
- Every plan syncs with major UK accounting packages, including Xero, QuickBooks, Sage and FreeAgent.
- Deposits are FSCS-protected through ClearBank, up to £120,000.
- Limited companies can be registered cheaply during sign-up.
Cons
- Reviewers frequently report accounts frozen or paused without explanation.
- Support responses can take days, according to user reviews.
- There are no overdrafts or business credit cards.
- Plans cap the number of team cards and users, at most 5 users on Max.
- The accounting tools lack a full general ledger and multi-entity features.
Not sold on either?
Frequently Asked Questions
Tide scores higher on our Finance Software criteria: 6.4/10 against 6.2/10 for Finom. The largest gap is in Support: 6/10 for Finom and 4/10 for Tide.
Yes, both Finom and Tide have a free plan.
