2026 comparison

allwr vs Tide

What Tide does, where it shines, where it falls short and what allwr adds. Comparison for your country.

UK financial platform for freelancers and small businesses: a business account with card, invoicing, expenses and light accounting from the app. Present in the UK and Germany.

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Tide strengths

Free business account with fast mobile onboarding
Invoicing and expense management built around the account itself
Strong adoption among UK freelancers and micro-businesses
UK Open Banking: connects to other accounts

Where it falls short

Revolves around its own account: aggregating other banks is secondary and limited to its two markets
Light accounting: no ERP, inventory, CRM or business documents
No HR, full payroll or clock-in
No personal wealth side for the owner; no tax coverage outside the UK and Germany

Coverage by module

Module	ALL WR	Tide
Banking and reconciliation	Included	Included
Treasury and cash forecasting	Included	Not included
Invoicing and collections	Included	Included
Accounting and tax	Included	Included
Expenses and cards	Included	Included
Suppliers and payables	Included	Not included
HR and people	Included	Not included
Automatic time tracking	Included	Not included
Payroll	Included	Not included
CRM and customers	Included	Not included
Documents and e-signature	Included	Not included
Tasks and projects	Included	Not included
Inventory and assets	Included	Not included
Investor reporting and cap table	Included	Not included
Wealth Eye — personal wealth	Included	Not included
AI assistant and MCP server	Included	Not included

Why allwr

allwr includes 12 modules Tide does not cover, with banking connected at the source, local compliance and one price per company, not per user.

Public information gathered in 2026-09. Trademarks belong to their owners. If you spot an error, write to us and we will fix it.

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