Tide is packed with tools designed specifically for UK small businesses, freelancers, and sole traders. Here is a comprehensive overview of what you get — all for £0/month on the free plan.
Everything you need to manage your day-to-day business finances, included free with every Tide account.
A full UK business current account with sort code and account number. No monthly fee on the Free plan — only pay for what you use.
A contactless Mastercard debit card accepted worldwide. Use it for purchases, online payments, and ATM withdrawals.
Manage your account from the Tide app (iOS and Android) or through the Tide web dashboard. Real-time notifications for every transaction.
Get push notifications the moment money leaves or enters your account. Stay on top of your cash flow in real time.
Deposit cash at any Post Office or PayPoint location. Over 28,000 locations across the UK for convenient cash handling.
Switch your existing business bank account to Tide in a few taps using the Current Account Switch Service (CASS).
The Tide Instant Saver — Earn Up to 4% AER & Unlock £125 of Your Tide Referral Offer Account lets you earn competitive interest on your business funds while keeping instant access to your money. New members earn up to 4% AER (variable) for the first 4 months.
There are no penalties for withdrawals and no minimum notice period. You can move money between your current account and Instant Saver instantly at any time.
Bonus: Depositing £5,000 in your Instant Saver within 7 days of opening your account (and holding for 30 days) earns you the £125 bonus as part of the REFER200 offer — on top of the interest you earn.
Tide provides a comprehensive suite of payment and expense management tools to help you run your business more efficiently.
Create and send professional invoices directly from the Tide app. Track payment status and send automated reminders for overdue invoices. Free plan includes 3 invoices per month.
Generate shareable payment links and send them to customers via email, WhatsApp, or any messaging platform. Customers pay instantly with their card.
Accept contactless card payments directly on your iPhone using Tap to Pay — no additional hardware required. Perfect for market traders, tradespeople, and mobile businesses.
Tide's card reader lets you accept chip and PIN, contactless, and mobile payments in person. No monthly fees or contracts — just a simple per-transaction fee.
Send and receive international payments in multiple currencies. Smart, Pro, and Max plans offer 0% FX fees on card transactions — ideal for businesses with overseas suppliers or clients.
Issue physical and virtual expense cards to team members with customisable monthly and individual spending limits. All expenses are consolidated in one place for easy management.
Tide integrates with all major accounting platforms and includes built-in tools to make tax time stress-free.
Connect Tide with Xero, QuickBooks, FreeAgent, Sage, and other popular accounting platforms. Transactions sync automatically, eliminating manual data entry and keeping your books up to date in real time.
Tide automatically categorises your income and spending. Customise the labels to suit your business and get a clear picture of where your money is going without any manual effort.
Free MTD-compliant tools to help you file your VAT returns and prepare for Self Assessment. Tide makes it easy to stay compliant with HMRC's digital tax requirements.
Tide's own built-in accounting software is available from £13.99/month on the Free plan, and is included free with Pro and Max plans. Manage all your bookkeeping without leaving the Tide app.
Tide takes the security of your business funds seriously. Here is how your money and data are protected.
Funds held with ClearBank are FSCS-protected up to £120,000 per eligible depositor.
Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011.
Secure your Tide app with Face ID, fingerprint, or PIN. Advanced fraud detection monitors your account 24/7.
Get help any time via in-app chat, 365 days a year. Priority phone support available on Smart, Pro, and Max plans.