TL;DR
It's a tie! Both score 3/5 stars.
Choose Sardine if you need Fintechs, crypto exchanges, and financial institutions wanti,
or Till if you need Customers looking for financial services solutions.
⬇ Scroll for full 20-point audit
Best For
Sardine
vs
Till
Fintechs, crypto exchanges, and financial institutions wanti...
vs
Customers looking for financial services solutions
Fee Structure
Sardine
vs
Till
B2B enterprise pricing; varies based on transaction volume, ...
vs
Custom pricing; not publicly listed
Rating
Sardine
vs
Till
3/5 ★
vs
3/5 ★
Sardine
Fraud Prevention & Compliance Platform — Enterprise Service
Best For
Fintechs, crypto exchanges, and financial institutions wanting real-time fraud detection, AML compliance, and risk management
Core Fee
B2B enterprise pricing; varies based on transaction volume, integration scope, and services required
Settlement
Real-time fraud scoring; behavioral analytics; instant risk assessment for transactions; supports multiple payment methods
Till
Financial Services Platform
Best For
Customers looking for financial services solutions
Core Fee
Custom pricing; not publicly listed
Settlement
Real-time financial tools
What This Audit Doesn't Cover:
Real-time currency fluctuations, promotional offers, region-specific pricing, or temporary fee waivers.
Always verify current rates, fees, and features directly with Sardine and Till
before making any financial decision.
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
| Audit Criterion | Sardine | Till |
|---|---|---|
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars) |
||
| Cost Structure & Fees | ||
Transaction FeesPer-transfer costs, domestic & international |
B2B enterprise pricing; varies based on transaction volume, integration scope, and services required | Custom pricing; not publicly listed |
FX / Conversion SpreadMarkup above mid-market exchange rate |
Sardine charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Till charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Account MaintenanceMonthly or annual account-keeping charges |
Custom/tiered pricing — Sardine's fee structure depends on your account tier or usage volume.
Fees subject to change — verify before signing up |
Custom/tiered pricing — Till's fee structure depends on your account tier or usage volume.
Fees subject to change — verify before signing up |
Card Issuance FeesVirtual and physical card creation costs |
Sardine does not primarily offer physical cards — access is digital-first.
Check Sardine app for current card fees |
Till does not primarily offer physical cards — access is digital-first.
Check Till app for current card fees |
| Settlement Speed & Reliability | ||
Domestic SettlementLocal bank transfer completion time |
Sardine
Real-time fraud scoring; behavioral analytics; instant risk
VS
Till
Real-time financial tools
✓ Sardine is faster (instant vs Real-time financial tools)
|
|
Cross-Border SpeedInternational corridor settlement time |
Sardine supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Till supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Uptime / ReliabilityReported annual platform availability rate |
Sardine publishes service status updates on its official status page for transparency.
Check Sardine status page for incident history |
Till publishes service status updates on its official status page for transparency.
Check Till status page for incident history |
| Security & Regulatory Standing | ||
Regulatory LicensesGoverning bodies and jurisdictions |
Enterprise-grade security; SOC 2 compliant; advanced fraud detection algorithms; supports compliance with regulatory requirements
✓ Licensed |
Standard financial data security
✓ Licensed |
Deposit InsuranceGovernment-backed protection scheme |
Sardine holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Sardine |
Till holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Till |
2FA & AuthenticationMulti-factor security implementation |
Sardine supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account |
Till supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account |
Fraud DetectionAI/ML-powered transaction monitoring |
Sardine employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring |
Till employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring |
| Features, Limits & Access | ||
Ideal Use CasePrimary audience and core value proposition |
Sardine
Fintechs, crypto exchanges, and financial institutions wanting real-time fraud detection, AML compliance, and risk management
Till
Customers looking for financial services solutions
|
|
Platform ClassificationRegulatory and product category |
Fraud Prevention & Compliance Platform — Enterprise Service | Financial Services Platform |
Withdrawal LimitsDaily / weekly transfer and cash-out caps |
Sardine withdrawal limits vary by account type and KYC level.
Log in to see your current limits |
Till withdrawal limits vary by account type and KYC level.
Log in to see your current limits |
Supported CurrenciesFiat and digital asset coverage |
Sardine supports the currencies and assets listed in its official documentation.
Check Sardine official site for full currency list |
Till supports the currencies and assets listed in its official documentation.
Check Till official site for full currency list |
| User Experience & Support | ||
App Store RatingAggregate iOS + Android user satisfaction |
Sardine app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store |
Till app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store |
Customer SupportAvailable resolution pathways and SLA |
Sardine routes support through its official help channels. Priority queue access varies by plan.
Check Sardine help centre for current support options |
Till routes support through its official help channels. Priority queue access varies by plan.
Check Till help centre for current support options |
KYC Verification SpeedAccount activation timeline post-submission |
Sardine KYC timelines depend on document quality and account type.
Verify current wait times in the Sardine app |
Till KYC timelines depend on document quality and account type.
Verify current wait times in the Till app |
Overall VerdictWealthBlueprint independent recommendation |
IT'S A TIE — both score 3/5 stars.
Choose Sardine if you need: Fintechs, crypto exchanges, and financial institutions wanting real-time fraud detection, AML compliance, and risk management. Choose Till if you need: Customers looking for financial services solutions. ➜ Your choice depends on your specific needs |
|
Official WebsiteVisit platform to sign up or verify current fees |
Visit Sardine ↗ | Visit Till ↗ |
Choose Sardine If:
- You need Fintechs, crypto exchanges, and financial institutions wanti
- You prefer B2B enterprise pricing; varies based on
- You value Real-time fraud scoring; behavioral anal
Choose Till If:
- You need Customers looking for financial services solutions
- You prefer Custom pricing; not publicly listed
- You value Real-time financial tools
WealthBlueprint Verdict Summary
Sardine — Best For
Fintechs, crypto exchanges, and financial institutions wanting real-time fraud detection, AML compliance, and risk management
✓ Strong in its core category
Till — Best For
Customers looking for financial services solutions
✓ Strong in its core category
Not sure which is right for you?
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