Tide Referral Code FAQ — All Your Questions Answered

The Tide referral code is REFER200. When you enter this code during the Tide business account sign-up process, you become eligible for up to £200 free cash credited directly to your Tide account balance. The code also activates one year of free bank transfers.

You can receive up to £200 free cash in total, split into two parts:

• £75 — credited after you complete £100 of debit card transactions within 30 days of opening your account.
• £125 — credited after you deposit at least £5,000 into a Tide Instant Saver Account within 7 days of opening and hold that balance for 30 days.

You can claim either or both parts of the offer independently.

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 in this field. If you use our direct sign-up link, the code may be pre-populated — but always double-check before proceeding.

The £75 bonus is typically credited within 4–6 weeks of completing your £100 of qualifying card transactions. The £125 Instant Saver bonus is paid after the 30-day holding period has elapsed. Both payments appear as credits in your main Tide current account balance.

Yes. As of March 2026, the Tide referral offer with code REFER200 is still active and available to new Tide customers. We update this page regularly to reflect the current offer status. Always check the Tide website for the most up-to-date terms.

They are the same thing. REFER200 can be referred to as a referral code, promo code, promotional code, offer code, or discount code — they all refer to the same field during the Tide sign-up process. All of these terms will lead you to the same £200 free cash offer.

The offer is available to new Tide customers only who are UK residents with a valid UK business. You must enter the code REFER200 during sign-up (or within 7 days via in-app support). Existing Tide account holders are not eligible for this particular promotion.

No. The REFER200 offer is exclusively for new Tide customers. If you already have a Tide business account, you are not eligible for this promotion. However, you may be eligible to refer others through your own Tide account and earn rewards that way.

No. Tide does not perform a credit check when you apply for a free business account. This makes Tide accessible to new businesses, sole traders, and anyone who may have had credit difficulties in the past. Most accounts are approved within minutes of completing the identity verification.

Tide accepts the following business types: sole traders, limited companies (Ltd), limited liability partnerships (LLP), general partnerships, and charities. You must be a UK resident and your business must be registered or operating in the UK.

You will need: a valid UK photo ID (passport or driving licence), a smartphone for the selfie identity verification, and your business details (business name, type, registered address). For limited companies, you will also need your Companies House registration number. No additional paperwork is required.

The Tide Instant Saver is a linked business savings account that allows you to earn interest on your business funds while maintaining instant access. New members earn up to 4% AER (variable) for the first 4 months. After the introductory period, the rate varies by plan (up to 3.74% AER on Max). There are no penalties for withdrawals and no minimum notice period.

No — the offer has two independent parts. You can claim the £75 simply by spending £100 on your Tide card within 30 days, without needing to use the Instant Saver at all. The additional £125 requires the Instant Saver deposit. You can claim one or both parts.

If your Instant Saver balance drops below £5,000 during the 30-day qualifying period, you will not receive the £125 bonus for that period. You must maintain a balance of at least £5,000 for the full 30 days. After the qualifying period ends, you can withdraw freely without any penalties.

Tide is an FCA-authorised e-money institution (FRN: 900843), not a traditional bank. However, customer funds are held with ClearBank Ltd, a fully authorised UK bank regulated by the PRA and FCA. This means your deposits are protected by the FSCS up to £120,000 per eligible depositor — the same protection as a traditional bank. Tide serves over 1.8 million UK business owners and is rated Excellent on Trustpilot.

Yes. Existing Tide members can refer new businesses using their personal referral link, which can be found in the Tide app under the "Refer a Friend" section. Both the referrer and the new customer can receive rewards when the new customer opens an account and meets the qualifying criteria.

Every Tide account comes with a Tide Mastercard debit card. It is accepted at millions of merchants worldwide, supports contactless payments, Apple Pay, and Google Pay, and can be used for ATM withdrawals. UK card transactions are free on all plans. Foreign currency transactions incur a 2.75% FX fee on the Free plan, but are free (0% FX) on Smart, Pro, and Max plans.

Tide offers 24/7 in-app chat support on all plans, 365 days a year. Smart, Pro, and Max plan members also have access to priority phone support. You can access support directly from the Tide app by tapping the Help icon, or by visiting tide.co/help.