Technology is a moving target and software is never complete. When Tide started, it was one of the first neo/challenger banks to target only the SMEs - a market sector that was totally being ignored by the so-called Big Fours. And Tide did capture some part of the market.
Tide started out as a basic app with a minimalistic set of features mainly because their idea was quite simple. Most things in life start small and basic but that doesn’t mean, they cannot grow. Some people don’t realize but Tide has continued to improve over the months (e.g. in account recovery, account limits reporting, web UI enhancements, etc).
With that being said, considering Tide’s price-point and targetted audience, there’s hardly any other competitor that does it better.
Obviously, products are never perfect or complete; as there would always be something missing or some feature lacking that someone really wants. But given the track record, I have total confidence that Tide will continue to evolve. So I concur with @george.bevis’s view on this!