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Tide Expense Cards vs 3S Money: Which Is The Better Company Expense Card?


Last Updated: 4 September 2025
Reviewed By: Ian Wright (Managing Director)

Tide Expense Cards and 3S Money are two of the leading companies when it comes to expense cards for your UK business. But which one is better?

Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.

Tide Expense Cards Homepage3S Money Homepage
 

Tide Expense Cards vs 3S Money Reviews

Tide Expense Cards3S Money
Trustpilot Review Rating 4.34.8
Number of Trustpilot Reviews17909655
iPhone App Rating3.3No Rating
Number of iPhone App Reviews4No Reviews
Android App Rating4No Rating
Number of Android App Reviews5No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Tide Expense Cards vs 3S Money Key Details

Tide Expense Cards3S Money
WebsiteClick Here to Visit Tide Expense Cards WebsiteClick Here to Visit 3S Money Website
Card TypeMastercardNo Card Provided
Offers Physical Cards?YesNo
Offers Virtual Cards?YesNo
Offers Prepaid Cards?YesNo
Cashback Plans?YesNo
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesNo

Tide Expense Cards vs 3S Money Cost

Tide Expense Cards Pricing3S Money Pricing
Tide Expense Cards3S Money
Free Plan?YesNo
Free Trial?NoNo
Cheapest Plan Price Per Month£9.99£244.78
Mid Plan Price Per Month£18.99Not Applicable
Top Plan Price Per Month£49.99Bespoke
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Tide Expense Cards vs 3S Money Features

Tide Expense Cards Features3S Money Features

Tide Expense Cards Features

Plus

  • 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

Pro

  • Transfers in & out – Unlimited
  • 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

Cashback

  • Transfers in & out – Unlimited
  • 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
  • Dedicated team of account managers
  • 0.5% cashback with your Tide card

Tide Expense Cards Accounting Software Integrations

  • Xero
  • QuickBooks
  • Sage

3S Money Features

Standard International

  • Suitable for: Importers, exporters, manufacturers, professional service providers and e-commerce businesses

No Mid-Tier Plan

Not Applicable

Bespoke International

  • Suitable for: Businesses with complex structures, holding companies, family offices, asset managers and investments funds

3S Money Accounting Software Integrations

  • Xero

Tide Expense Cards vs 3S Money Features Comparison

Tide Expense Cards3S Money
Apple Pay CompatibleYesYes
Google Pay CompatibleYesYes
Expense ClaimsNoNo
Expense ReimbursementsNoNo
APIYesYes
Access Controls/PermissionsYesNo
ReconciliationsNoNo
Approval Process ControlNoNo
Budget ControlNoNo
Expense CategorisationYesNo
Compliance ManagementNoYes
Customizable Fields NoNo
Fraud DetectionNoYes
Multi-Currency CardsNoYes
Mileage TrackingNoNo
Mobile Receipt UploadYesNo
Real Time Notifications & ReportingNoYes
Receipt ManagementYesNo
Spend ControlYesNo
Travel Management NoNo

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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