Tide vs ANNA Money
short answerBoth are traditional neobanks with similar positioning — the real differences are FX markup, fees, license and geography, compared field by field below.
Tide: 1M+ SME members (UK + India).
ANNA Money: SME banking with AI admin assistant.
Side by side
| Tide | ANNA Money | |
|---|---|---|
| Category | traditional | traditional |
| Audience | SMB & startups | SMB & startups |
| HQ | London, UK | Cardiff, UK |
| Founded | 2015 | 2017 |
| Custody | Custodial | Custodial |
| Regulation | E-money institution | E-money institution |
| License detail | E-money; deposits via ClearBank | E-money |
| Card | MC · Business debit | MC · Business debit |
| Cashback | Cashback (plan) | 1% select |
| Yield | — | — |
| FX markup | Free plan 2.75% FX on non-GBP card txns; Smart/Pro/Max 0% (UK business) (2026-07) | — |
| Services | — | — |
| Stablecoins | No | No |
| KYC | Yes | Yes |
| Regions | Europe | Europe |
| Reported users | — | — |
go deeperFull profiles: Tide · ANNA Money — or run your own comparison of up to four in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.