Memo Bank vs Tide
Updated June 2026 · A structured head-to-head comparison.
The verdict
Both Memo Bank and Tide are credible business banking tools, and the right pick comes down to your priorities.
Choose Memo Bank if you want a higher overall rating (4.4/5). Licensed bank for European SMEs.
Choose Tide if you'd rather have a lower starting price (free – $9.99/mo) and a free plan to start on. Business banking & admin for small businesses.
Memo Bank vs Tide: side by side
| Dimension | Memo Bank | Tide |
|---|---|---|
| Starting price | Custom | Free – $9.99/moWinner |
| Free plan | No | YesWinner |
| Pricing model | Subscription | Freemium |
| Best for | Eu Smb, Scale Ups | Uk Smb, Freelancers |
| Platforms | Web, Ios, Android | Web, Ios, Android |
| Rating | 4.4/5Winner | 4.2/5 |
Memo Bank key facts
- Vendor
- Memo Bank
- Pricing
- Subscription — Custom
- Free tier
- No
- Platforms
- Web, Ios, Android
- Best for
- Eu Smb, Scale Ups
- Editor rating
- 4.4 / 5
- Founded
- 2017
- Headquarters
- Paris, France
Tide key facts
- Vendor
- Tide
- Pricing
- Freemium — Free – $9.99/mo
- Free tier
- Yes
- Platforms
- Web, Ios, Android
- Best for
- Uk Smb, Freelancers
- Editor rating
- 4.2 / 5
- Founded
- 2015
- Headquarters
- London, UK
Frequently asked questions
Is Memo Bank better than Tide?
Neither is universally better — Memo Bank edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Memo Bank or Tide cheaper?
Tide is the more affordable of the two to get started, at free – $9.99/mo. Memo Bank starts at custom; Tide starts at free – $9.99/mo.
Can Memo Bank replace Tide?
Yes for most teams — both are business banking tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.