Comparison
Tide vs Rho
A side-by-side look at Tide and Rho — 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.
Rho
All-in-one finance platform for growing companies.
Rho combines banking, treasury, corporate cards, AP automation and expense management for US mid-market companies — built around free unlimited users.
Side-by-side
| Spec | Tide | Rho |
|---|---|---|
| Tagline | The business banking platform for UK SMEs. | All-in-one finance platform for growing companies. |
| Headquarters | London, UK | New York, USA |
| Founded | 2015 | 2018 |
| Regions | UK | US |
| Card type | Mastercard debit + credit | Charge card |
| Pricing | Free Tide; Plus £12.50/mo; Pro £18.99. | Free platform; no per-user fees. |
| Rewards | Cashback on Tide Cashback Card. | Up to 1.75% cashback. |
| Best for | UK SMEs, Sole traders | Mid-market, Finance teams wanting banking + cards in one |
| Integrations | Xero, QuickBooks, FreeAgent, Sage | NetSuite, QuickBooks, Sage Intacct, Xero |
Tide: pros & cons
- Strong UK distribution
- UK-only
Rho: pros & cons
- No seat fees
- Banking + cards unified
- US-only
- Smaller brand than Brex/Ramp