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Tide Expense Cards vs Zempler Bank: Which Is The Better Company Expense Card?


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

Tide Expense Cards and Zempler Bank 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 HomepageZempler Bank Homepage
 

Tide Expense Cards vs Zempler Bank Reviews

Tide Expense CardsZempler Bank
Trustpilot Review Rating 4.33.9
Number of Trustpilot Reviews179099489
iPhone App Rating3.34.7
Number of iPhone App Reviews445700
Android App Rating44.6
Number of Android App Reviews522500
Note these figures we’re taken from each company’s website and may have changed since publication

Tide Expense Cards vs Zempler Bank Key Details

Tide Expense CardsZempler Bank
WebsiteClick Here to Visit Tide Expense Cards WebsiteClick Here to Visit Zempler Bank Website
Card TypeMastercardMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesYes
Cashback Plans?YesYes
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Tide Expense Cards vs Zempler Bank Cost

Tide Expense Cards PricingZempler Bank Pricing
Tide Expense CardsZempler Bank
Free Plan?YesYes
Free Trial?NoNo
Cheapest Plan Price Per Month£9.99Free
Mid Plan Price Per Month£18.99Not Applicable
Top Plan Price Per Month£49.99£9.00
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Tide Expense Cards vs Zempler Bank Features

Tide Expense Cards FeaturesZempler Bank 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

Zempler Bank Features

Go

  • Card issuing fee-Contactless Mastercard
  • Payments & transfers-Sending money
  • Payments & transfers-Receiving money
  • Cash deposits-At any UK Post Office*
  • UK ATM withdrawals-Terms apply*
  • ATM withdrawals abroad-Terms apply*
  • Additional cards-Up to 20 cards
  • Accounting integrations-Inc. Xero, Quickbooks & Sage
  • Create invoices-To make payments easier
  • Spending reports-Categorise spending automatically
  • Export statements-PDF or CSV format
  • UK phone support-Liverpool based

No Mid-Tier Plan

Not Applicable

Extra

  • Card issuing fee-Contactless Mastercard
  • Payments & transfers-Sending money
  • Payments & transfers-Receiving money
  • Cash deposits-At any UK Post Office*
  • UK ATM withdrawals-Terms apply*
  • ATM withdrawals abroad-Terms apply*
  • Additional cards-Up to 20 cards
  • Cashback-On your card spend**
  • Creditbuilder-Improve your credit score
  • Accounting integrations-Inc. Xero, Quickbooks & Sage
  • Create invoices-To make payments easier
  • Spending reports-Categorise spending automatically
  • Export statements-PDF or CSV format
  • UK phone support-Liverpool based

Zempler Bank Accounting Software Integrations

  • Xero
  • Quickbooks
  • Sage

Tide Expense Cards vs Zempler Bank Features Comparison

Tide Expense CardsZempler Bank
Apple Pay CompatibleYesNo
Google Pay CompatibleYesNo
Expense ClaimsNoNo
Expense ReimbursementsNoNo
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsNoYes
Approval Process ControlNoYes
Budget ControlNoNo
Expense CategorisationYesNo
Compliance ManagementNoYes
Customizable Fields NoNo
Fraud DetectionNoYes
Multi-Currency CardsNoYes
Mileage TrackingNoNo
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingNoYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management NoYes

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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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