SumUp vs Tide: what each publishes
As of October 17, 2026, Tide takes these industries by its own published rules: Adult, with conditions. We hold no such rule from SumUp.
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
SumUp
- Åland Islands
- Austria
- Belgium
- Bulgaria
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- France
- French Guiana
- Germany
- Gibraltar
- Greece
- Guadeloupe
- Guernsey
- Hungary
- Ireland
- Isle of Man
- Italy
- Jersey
- Latvia
- Lithuania
- Luxembourg
- Malta
- Martinique
- Mayotte
- Netherlands
- Norway
- Poland
- Portugal
- Réunion
- Romania
- Slovakia
- Slovenia
- Spain
- St Barthélemy
- St Martin
- St Pierre & Miquelon
- Sweden
- Switzerland
- United Kingdom
Its own list of countries, quoted below with its source and date
Policy by industry
| Industry | SumUp | Tide |
|---|---|---|
| Adult | No | With conditions |
| Crypto | Depends on the activity | No |
| iGaming | No | No |
| Unlicensed financial services | No | No |
| Forex and CFD | No | No |
| AI and SaaS | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Where owners must live
SumUp
No published rule
Tide
No published rule
Rules about countries
SumUp
You can register with SumUp to accept card payments if you operate in one of the following European countries or territories.
All countries named (42)
Åland Islands, Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Guernsey, Hungary, Ireland, Isle of Man, Italy, Jersey, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Slovakia, Slovenia, Spain, St Barthélemy, St Martin, St Pierre & Miquelon, Sweden, Switzerland, United Kingdom
Tide
No published rule
Fees
SumUp
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business Account (UK, SumUp Payments Limited) | Not stated | GBP 0 ('£0/month') | · Source |
| Business Account Plus (UK, SumUp Payments Limited) | Not stated | GBP 15 ('£15/month') | · Source |
| SumUp Business Account (EU, SumUp Limited, Ireland page) | Free to open (the Ireland page includes a 'Free business account and IBAN') | EUR 0 ('No monthly fee'; 'Monthly cost' shown as € 0) | · 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
SumUp
We reserve the right to terminate the Payment Terms either on two months’ notice or, subject to applicable law, immediately if:
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 | SumUp | Tide |
|---|---|---|
| Licensee | SumUp Payments Limited · electronic money institution authorised by the FCA (FRN 900700) · SumUp Limited · electronic money institution authorised by the Central Bank of Ireland (C195030) | Tide Platform Ltd · EMI authorised by the FCA (FRN 900843) · accounts provided by ClearBank Ltd (UK bank, FRN 754568) |
| Regulator | FCA / Central Bank of Ireland · | FCA · |