Tide is an FCA-authorised e-money institution and business banking platform. Customer funds are held with ClearBank, which is FSCS-protected up to £120,000. Tide serves over 1.8 million business owners in the UK.

Tide Referral Offer: Use Code REFER200 & Get £200 FREE Cash

Simple Process

How to Claim Your Tide Referral Offer

Getting your £200 free cash is straightforward. Follow these four steps and the money will be credited directly to your Tide account.

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1. Sign Up to Tide

Download the Tide app or visit tide.co and begin your free business account application.

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2. Enter Code REFER200

When prompted for a referral or promo code, enter REFER200 to activate the offer.

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3. Spend £100 in 30 Days

Use your Tide Mastercard to make £100 of purchases within 30 days to unlock your £75 bonus.

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4. Save £5k for £125 More

Deposit £5,000 into Tide Instant Saver within 7 days and hold for 30 days to claim the full £200.

Full Step-by-Step Guide →

Why Tide?

Tide Business Account Features — Why 1.8 Million UK Businesses Choose Tide

Tide is built specifically for UK small businesses and sole traders. Here are just some of the features included with your free Tide account — available when you sign up using the Tide referral code REFER200.

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5-Minute Account Setup

Open your business account in minutes — no paperwork, no branch visits, no waiting weeks for approval.

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Free Business Account

The Free plan costs £0/month. Only pay for what you use, with low per-transaction fees and no hidden charges.

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Up to 4% AER Savings

Earn up to 4% AER (variable) on your business savings with the Tide Instant Saver Account for the first 4 months.

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Accounting Integrations

Seamlessly connect with Xero, QuickBooks, FreeAgent and more. Auto-sync transactions and simplify your bookkeeping.

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International Payments

Send and receive international payments in a few taps. Smart plan and above offer 0% FX fees on card transactions.

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FSCS Protected

Your funds are held with ClearBank and protected by the Financial Services Compensation Scheme up to £120,000.

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Tap to Pay on iPhone

Accept card payments directly on your iPhone — no card reader required. Perfect for mobile and on-the-go businesses.

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Team Expense Cards

Issue expense cards to team members with customisable spending limits. Manage all company expenses in one place.

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Company Registration

Register a new limited company for just £24.99 (saving £75 vs Companies House) and open your business account in one seamless process.

See All Features →

Choose Your Offer

Two Ways to Claim Your £200 Tide Referral Offer

Whether you already have a business or need to register a new limited company, there's an offer for you. Both include the full £200 free cash with code REFER200.

What Business Owners Say About Tide

★★★★★ Excellent — 4.4 out of 5 based on 32,000+ Trustpilot reviews

★★★★★

"Switched from my high street bank and couldn't be happier. The app is brilliant, setup took about 4 minutes, and the £200 cash landed in my account exactly as promised. Highly recommend using the REFER200 code."

SH

Sarah H.

Freelance Graphic Designer, Manchester

★★★★★

"We registered our limited company and opened the Tide account at the same time. The whole process was seamless. The Xero integration alone has saved us hours every month, and the £200 bonus was a great welcome gift."

JT

James T.

Co-Founder, Digital Agency, London

★★★★★

"As a sole trader, I was nervous about switching banks but Tide made it completely painless. The expense tracking and invoicing tools are exactly what I needed. The referral offer was the nudge I needed to finally make the move."

PK

Priya K.

Independent Consultant, Birmingham

Tide vs Traditional Banks

Tide Referral Offer vs Traditional Banks — How Does Tide Compare?

See how Tide compares to traditional UK business banking options. Use the Tide referral code REFER200 to get £200 free cash on top of all these advantages.

Feature	Tide (Free Plan)	Traditional Bank
Monthly fee	£0	£5–£25/month
Account setup time	~5 minutes	Days to weeks
Credit check required	No	Usually yes
24/7 customer support	Yes (in-app)	Limited hours
Accounting software integration	Yes (Xero, QuickBooks, etc.)	Rarely
Instant Saver account	Up to 4% AER	0.1–1% typically
Expense cards for team	Yes	Often no
Company registration	Yes (£24.99 vs £100 at Companies House)	No
Tap to Pay on iPhone	Yes	No
Sign-up bonus	£200 free cash (REFER200)	None

FAQ

Tide Referral Code & Tide Promo Code — Frequently Asked Questions

What is the Tide referral code?

The Tide referral code is REFER200. Enter this code when signing up for a new Tide business account to receive up to £200 free cash credited to your balance, plus one year of free bank transfers.

How much free cash do I get with the Tide referral offer?

You can receive up to £200 free cash in total. The offer is split into two parts: £75 is credited once you complete £100 of debit card transactions within 30 days of opening your account. A further £125 is credited when you deposit at least £5,000 into a Tide Instant Saver Account within 7 days of opening and hold that balance for 30 days.

Where do I enter the Tide referral code REFER200?

During the Tide account sign-up process, you will be asked to enter your business details. At this stage, there is a field labelled "referral code" or "promo code" — enter REFER200 here. If you miss it, you have 7 days from sign-up to contact Tide's in-app support and request the code be applied retrospectively.

When will I receive my £200 free cash?

The £75 bonus is typically credited within 4–6 weeks of completing your £100 of card transactions. The £125 Instant Saver bonus is paid after the 30-day holding period has elapsed. Both payments are made directly into your Tide account balance.

Is Tide a real bank? Is it safe?

Tide is an FCA-authorised e-money institution and one of the UK's leading business banking platforms. Customer funds are held with ClearBank, which is a fully authorised UK bank. This means your money is protected by the Financial Services Compensation Scheme (FSCS) up to £120,000. Tide serves over 1.8 million business owners — more than 10% of all UK SMEs.

Does Tide do a credit check?

No. Tide does not perform a credit check when you apply for a free business account. Most applications are approved within minutes, making it ideal for new businesses, sole traders, and anyone who has had credit difficulties in the past.

Can I use the Tide promo code if I already have a Tide account?

No. The Tide referral offer with code REFER200 is available to new Tide customers only. If you already have a Tide account, you are not eligible for this particular promotion, but you may be eligible for other Tide offers available through your existing account.

What is the Tide Instant Saver Account?

The Tide Instant Saver is a linked savings account that allows you to earn interest on your business funds. New members can earn up to 4% AER (variable) for the first 4 months. There are no penalties for withdrawals and you have instant access to your money at all times. To qualify for the £125 bonus, you need to deposit at least £5,000 within 7 days of opening your account and hold it for 30 days.

View All FAQs →

The UK's Best Tide Referral Offer — Get £200 FREE Cash

Copy Your Tide Referral Code

How to Claim Your Tide Referral Offer

1. Sign Up to Tide

2. Enter Code REFER200

3. Spend £100 in 30 Days

4. Save £5k for £125 More

Tide Business Account Features — Why 1.8 Million UK Businesses Choose Tide

5-Minute Account Setup

Free Business Account

Up to 4% AER Savings

Accounting Integrations

International Payments

FSCS Protected

Tap to Pay on iPhone

Team Expense Cards

Company Registration

Two Ways to Claim Your £200 Tide Referral Offer

What Business Owners Say About Tide

Tide Referral Offer vs Traditional Banks — How Does Tide Compare?

Tide Referral Code & Tide Promo Code — Frequently Asked Questions

Claim Your Tide Referral Offer — £200 FREE Cash with Code REFER200