Comparison
Tide vs Qonto
A side-by-side look at Tide and Qonto — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Tide
The business banking platform for UK SMEs.
Tide is the UK's leading SME business bank, with 600k+ members, offering accounts, cards, invoicing and credit.
Qonto
The finance solution that simplifies everything but accounting.
Qonto is a European business neobank used by 500k+ businesses across France, Germany, Italy, Spain, Belgium, Netherlands, Austria and Portugal — offering accounts, cards, invoicing and accounting.
Side-by-side
| Spec | Tide | Qonto |
|---|---|---|
| Tagline | The business banking platform for UK SMEs. | The finance solution that simplifies everything but accounting. |
| Headquarters | London, UK | Paris, France |
| Founded | 2015 | 2016 |
| Regions | UK | EU |
| Card type | Mastercard debit + credit | Mastercard debit (One, Plus, X, Metal) |
| Pricing | Free Tide; Plus £12.50/mo; Pro £18.99. | From €9/mo Basic up to €249/mo Enterprise. |
| Rewards | Cashback on Tide Cashback Card. | Cashback on premium card tiers. |
| Best for | UK SMEs, Sole traders | European SMBs, Freelancers, Startups |
| Integrations | Xero, QuickBooks, FreeAgent, Sage | Datev, Sage, Cegid, Pennylane, QuickBooks, Xero |
Tide: pros & cons
- Strong UK distribution
- UK-only
Qonto: pros & cons
- Fastest-growing EU neobank
- Strong local accounting integrations
- Pan-European reach
- No credit product
- EU-only