Snapshot
Brex and Tide compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Brex figures as of 11 June 2026Tide figures as of 11 June 2026Last reviewed 11 June 2026
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Brex and Tide serve different markets. Brex is a United States financial technology platform with a no monthly fee business account, corporate cards and spend management for incorporated companies. Tide is a United Kingdom financial technology company offering a free or low cost business account built around invoicing and admin tools for sole traders and small limited companies. Use the comparison below to weigh account type, fees, eligibility and availability against how your company operates, then confirm the latest terms with each provider. Figures are shown as of 11 June 2026.
Brex vs Tide at a glance
| Feature | Brex | Tide |
|---|---|---|
| Account type | Business account held through partner program banks and a money market fund, with corporate cards and spend management. Brex is a financial technology company, not a bank. | Business account from Tide, a financial technology company in the United Kingdom with banking services delivered via partner arrangements. Built around invoicing and admin tools in an app. |
| Who it suits | United States incorporated startups and scaling companies, often venture or professionally funded, that want a digital account with corporate cards and spend management. | Sole traders and small limited companies in the United Kingdom that want a free or low cost account with invoicing and admin tools in an app. |
| Monthly fee | No monthly account fee and no minimum balance on the business account. Spend management software plans add features at a monthly cost. As of 11 June 2026. | Free plan at no monthly fee. Smart is about 12.49 pounds per month, Pro about 27.49 pounds per month and Max about 69.99 pounds per month. As of 11 June 2026. |
| Transaction fees | No fee on standard ACH transfers and domestic and international wires on the account. Some advanced or high volume features can carry fees. As of 11 June 2026. Verify the current rate card with Brex. | The free plan charges a small fee per transfer in and out, while paid plans include a number of free transfers. Cash deposits carry a fee. As of 11 June 2026. Verify the current schedule with Tide. |
| FX fees | International wires and foreign currency payments can carry fees that vary by route and currency. Unclear at a single headline rate, so verify with Brex. As of 11 June 2026. | International payments are available with currency charges that vary by route. Unclear at a single headline rate, so verify with Tide. As of 11 June 2026. |
| Minimum deposit | No account minimum and no account opening fee. As of 11 June 2026. Verify with Brex. | No headline minimum opening deposit is published. As of 11 June 2026. Verify with Tide. |
| Multi currency | The account is United States dollar based. International United States dollar payments are supported, and some currency features carry fees. As of 11 June 2026. | Primarily a sterling account, with international payment features available. As of 11 June 2026. Verify with Tide. |
| Eligibility | Businesses incorporated in the United States with an Employer Identification Number, such as an LLC, S corporation, C corporation or limited partnership. Sole proprietorships are not eligible, and Brex is aimed at funded startups and scaling companies. As of 11 June 2026. Verify with Brex. | You must be at least eighteen, have a United Kingdom mobile number, and be registered with HMRC as a sole trader or with Companies House as a limited company, with a valid address. Some business types and industries, including LLPs and PLCs, are not accepted. As of 11 June 2026. |
| Broadly available in | The United States. The business must be a United States incorporated entity. As of 11 June 2026. | The United Kingdom. As of 11 June 2026. |
Brex and Tide differ most on geography and target customer. Brex serves United States incorporated companies, while Tide serves sole traders and small limited companies in the United Kingdom. The right fit usually depends on where your business is registered. Confirm the latest fees and eligibility with each provider.
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Each provider accepts business customers in its supported market. Figures shown as of 11 June 2026. Confirm current terms with the provider before applying.
Visit Brex → Visit Tide →Questions about Brex and Tide
Which is better for my business, Brex or Tide?
It depends on your needs. The table on this page compares Brex and Tide on account type, fees, currency support, eligibility and availability using each provider's published terms. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can a business choose between Brex and Tide?
For most businesses the choice is decided by geography. Brex serves United States incorporated entities, while Tide serves sole traders and small limited companies registered in the United Kingdom, so a business usually qualifies for one rather than both. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded, as of 11 June 2026. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 June 2026. Confirm current terms with each provider before applying.