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Tide Accounting vs Capium: Which Is Better Accounting Software?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Which accounting software is better Tide Accounting or Capium?

We compare them based on real user reviews, prices and what features they both offer.

Tide Accounting homepageCapium homepage
 

Tide Accounting vs Capium Basics

Tide AccountingCapium
Software WebsiteTide Accounting WebsiteCapium Website
HMRC MTD StatusNot IncludedIn Development
Who Can Use It?Businesses and Self-employedBusinesses and Accountants
HMRC Listed FeaturesNoneRecord keeping and simplified bookkeeping
PlatformsWeb-based application, Android, iOSiPhone, iPad, Android and web-based application
Note data for this section comes from HMRC here and here

Tide Accounting vs Capium Reviews

Wondering if Tide Accounting or Capium has better user reviews. We compared them below.

Tide AccountingCapium
Trustpilot Rating4.34.4
Number of Trustpilot Reviews1798427
iPhone App Rating4.42.3
Number of iPhone Reviews79
Android App Rating4.54.5
Number of Android Reviews1327
Please note ratings we’re accurate at the time of writing but may have since changed

Tide Accounting vs Capium Prices

Which is cheaper Tide Accounting or Capium? Here are their prices compared.

Tide Accounting pricingCapium pricing

Free Plans & Trials

Tide AccountingCapium
Free Plan?YesNo
Free Trial?NoYes
Free Trial Length?No7 days
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

Tide AccountingCapium
Cheapest Plan Cost Per Month£9.99£125.00
Mid-Tier Plan Cost Per Month£18.99£250.00
Top Plan Cost Per Month£49.99£500.00
Data taken from each company’s website at the time of writing but may have since changed.

Tide Accounting vs Capium Features

Tide Accounting featuresCapium features

Tide Accounting Basic Features

  • Transfers in & out – 20/ month free
  • ATM withdrawals
  • Read access for team members
  • Scheduled payments
  • Accounting integrations – Quickbooks, Xero, Sage and more
  • Multi-business – hold up to 5 business accounts
  • Create and send invoices for free
  • Priority in-app support
  • Phone support
  • 24/7 legal helpline
  • Exclusive member perks
  • Support with trademark filing and disputes

Tide Accounting Software Integrations

  • Xero
  • QuickBooks
  • Sage

Capium Basic Features

  • Up to 100 clients
  • Unlimited User Licences
  • Unlimited E-Sign
  • Unlimited SMS
  • Unlimited Storage
  • MTD and GDPR compliant
  • *Excludes Capium Hub & Company Secretarial

Capium Software Integrations

  • Xero

Common Feature Comparison

Tide AccountingCapium
Payroll Software IntegrationYesYes
Track VATYesYes
VAT FilingYesYes
Real-Time Financial ReportsYesYes
Prepare Self AssessmentYesYes
Income Tax EstimatesYesYes
Manage Income & ExpensesYesYes
Create InvoicesYesYes
Forecast Cash FlowYesYes
Accept and Make Payments In Different CurrenciesNoYes
Employee Time TrackingNoNo
ProjectsNoYes
Bank Feed IntegrationYesYes
End of Year FilingsNoYes
Capture Bills And ReceiptsYesYes
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsNoYes

Tide AccountingCapium
Pros
  • A business account with no monthly fee is available.
  • You can access your account digitally via an app on Android or iPhones and on the Tide website.
  • Tide offers bank accounts provided by ClearBank that are eligible for protection through the Financial Services Compensation Scheme (FSCS).
  • Tide offers 24/7 support with the member support team
  • User Friendly
  • Cloud based
  • Intuitive
  • Support team
  • Tool integrating
Cons
  • E-money accounts (for some existing customers) from Tide are not protected by FSCS, though Tide is in the process of moving Tide accounts from PPS e-money accounts to ClearBank FSCS-protected bank accounts
  • It is not possible to deposit cheques into a Tide account
  • Business partnerships and charities cannot open a Tide account
  • Some of the modules are better than others
  • Not being able to adjust certain reminder emails
  • Cost

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