OFX vs Tide: what each publishes
As of October 17, 2026, OFX takes these industries by its own published rules: Marketplace, with conditions. Tide: Adult, with conditions.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | OFX | Tide |
|---|---|---|
| Adult | No | With conditions |
| Marketplace | With conditions | No published rule |
| Crypto | No | No |
| iGaming | No | No |
| Unlicensed financial services | No | No |
| Forex and CFD | No | No |
| AI and SaaS | No published rule | No published rule |
Where owners must live
OFX
No published rule
Tide
No published rule
Rules about countries
OFX
No published rule
Tide
No published rule
Fees
OFX
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Standard | Free to start ('Start for free') | GBP 0 a month ('per user/month') | · Source |
| Full Suite | Not stated; free trial ('Try it free for 30 days') | GBP 75 a month with five users ('per month (5 users included).'), then GBP 10 per user a month ('per user / month thereafter') | · Source |
Tide
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Free | Not stated | GBP 0 a month ('No plan fee') | · Source |
| Smart | Not stated | GBP 12.49 a month, or GBP 99.99 a year paid annually; VAT not charged ("We won't charge you VAT on your paid plan") | · Source |
| Pro | Not stated | GBP 27.49 a month, or GBP 219.99 a year paid annually; VAT not charged ("We won't charge you VAT on your paid plan") | · Source |
| Max | Not stated | GBP 69.99 a month, or GBP 559.92 a year paid annually; VAT not charged ("We won't charge you VAT on your paid plan") | · Source |
Closing an account
OFX
Pursuant to the Payment Services and Payment Accounts (Amendment) Regulations 2025, we may terminate this Agreement and close your Account with us by giving you ninety (90) days' notice in writing.
Tide
22.2. We may terminate the Tide Membership Terms by giving you at least ninety (90) days’ prior written
notice and include a written statement of our reasons and the justification for such termination except where
we are not permitted to provide such reasons pursuant to applicable law or regulation or the prevention and
detection of a crime.
Licence
| Licensee | OFX | Tide |
|---|---|---|
| Licensee | UKForex Limited (trading as OFX) · EMI authorised by the FCA (FRN 902028) · a wholly owned subsidiary of OzForex Limited | Tide Platform Ltd · EMI authorised by the FCA (FRN 900843) · accounts provided by ClearBank Ltd (UK bank, FRN 754568) |
| Regulator | FCA · | FCA · |