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Tide Accounting vs Pandle: Which Is Better Accounting Software?


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

Which accounting software is better Tide Accounting or Pandle?

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

Tide Accounting homepagePandle homepage
 

Tide Accounting vs Pandle Basics

Tide AccountingPandle
Software WebsiteTide Accounting WebsitePandle Website
HMRC MTD StatusNot IncludedNot Included
Who Can Use It?Businesses and Self-employedBusinesses, Accountants, and Self-employed
HMRC Listed FeaturesNoneRecord keeping, simplified expenses and simplified tax
PlatformsWeb-based application, Android, iOSWeb-based application, Android, iPhone, iPad, iOS, Windows phone
Note data for this section comes from HMRC here and here

Tide Accounting vs Pandle Reviews

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

Tide AccountingPandle
Trustpilot Rating4.34.6
Number of Trustpilot Reviews179841089
iPhone App Rating4.41.7
Number of iPhone Reviews738
Android App Rating4.52.9
Number of Android Reviews1344
Please note ratings we’re accurate at the time of writing but may have since changed

Tide Accounting vs Pandle Prices

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

Tide Accounting pricingPandle pricing

Free Plans & Trials

Tide AccountingPandle
Free Plan?YesYes
Free Trial?NoYes
Free Trial Length?No14 Days
Data taken from each company’s website at the time of writing but may have since changed.

Paid Plan Prices

Tide AccountingPandle
Cheapest Plan Cost Per Month£9.99Free
Mid-Tier Plan Cost Per Month£18.99NA
Top Plan Cost Per Month£49.99£5.00
Data taken from each company’s website at the time of writing but may have since changed.

Tide Accounting vs Pandle Features

Tide Accounting featuresPandle 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

Pandle Basic Features

  • Bank imports
  • Send quotes & invoices
  • Business reports
  • Mobile app
  • Accept payments with Pandle Pay
  • Payment reminders
  • Multiple currencies
  • No usage limits
  • VAT submissions
  • Recurring transactions

Pandle Software Integrations

  • PayPal
  • Stripe

Common Feature Comparison

Tide AccountingPandle
Payroll Software IntegrationYesNo
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 FilingsNoNo
Capture Bills And ReceiptsYesYes
Bulk Reconcile TransactionsYesYes
Track Inventory & Stock LevelsNoYes

Tide AccountingPandle
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
  • Cloud Based
  • Customer Service
  • One Stop Shop
  • User Friendly
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
  • Room for Improvement
  • Takes Time

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