Tide vs Zempler Bank: what each publishes
As of October 7, 2026
The published rules of Tide and Zempler Bank, side by side: which industries each excludes or accepts, where owners must live, which countries each names, the licence each holds and the fees each publishes. Each answer links to the page that quotes the rule with the date we read it.
This is not a ranking, and the two names are in alphabetical order. Either provider may still decline your company because of its activity, where it is registered, where its owners live or which licence it holds. The free check applies the rules of every provider in our base to your answers.
Policy by industry
| Industry | Tide | Zempler Bank |
|---|---|---|
| Crypto | No | Depends on the activity |
| iGaming | No | With conditions |
| Adult | With conditions | No |
| Unlicensed financial services | No | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Zempler BankLicence
| Licensee | Tide | Zempler Bank |
|---|---|---|
| Licensee | Tide Platform Ltd · EMI authorised by the FCA (FRN 900843) · accounts provided by ClearBank Ltd (UK bank, FRN 754568) | Zempler Bank Limited (formerly Cashplus) · bank authorised by the PRA and regulated by the FCA and the PRA (FRN 671140) |
| Regulator | FCA · | FCA / PRA · |
Where owners must live
Tide
No published rule
Zempler Bank
At least one director is a UK resident
Rules about countries
Tide
No published rule
Zempler Bank
No published rule
Fees
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 |
Zempler Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Business Go | Not stated | GBP 0 | · Source |
| Business Extra | Not stated | GBP 9 | · Source |
| Business Pro | Not stated | GBP 19 | · Source |