Tide offers four plans to suit businesses at every stage — from a completely free account to a premium Max plan with unlimited features. All plans are eligible for the £200 referral offer with code REFER200.
🎁 Referral Offer: Regardless of which plan you choose, use code REFER200 when signing up to receive £200 free cash. The offer applies to all new Tide accounts.
| Feature | Free | Smart | Pro | Max |
|---|---|---|---|---|
| Monthly fee | £0 | £12.49 | £24.99 | £69.99 |
| UK card transactions | Free | Free | Free | Free |
| Foreign currency card transactions | 2.75% FX fee | 0% FX fee | 0% FX fee | 0% FX fee |
| Free transfers/month | 5 | 30 | Unlimited | Unlimited |
| ATM withdrawals | £1 each | £1 each | £1 each | £1 each |
| Instant Saver interest rate | Up to 2.27% AER | Up to 2.78% AER | Up to 3.29% AER | Up to 3.74% AER |
| Additional accounts | — | 1 free | 2 free | 3 free |
| Team expense card seats | £5/month each | 1 free | 2 free | 3 free |
| Team members (enhanced access) | Read-only free | 1 | 2 | 5 |
| Invoicing | 3 free/month | 3 free/month | 3 free/month | Unlimited |
| Payment links | ✓ | ✓ | ✓ | ✓ |
| Tap to Pay on iPhone | ✓ | ✓ | ✓ | ✓ |
| Accounting integrations | ✓ | ✓ | ✓ | ✓ |
| Making Tax Digital tools | ✓ | ✓ | ✓ | ✓ |
| Tide Accounting | From £13.99/mo | From £13.99/mo | Included free | Admin Extra free |
| Payroll software | £12+VAT/mo | £12+VAT/mo | £12+VAT/mo | Included |
| 24/7 legal helpline | — | ✓ | ✓ | ✓ |
| Cashback on card purchases | — | — | — | 0.5% |
| Customer support | In-app chat | Priority chat & phone | Priority chat & phone | Dedicated + priority callback |
| CHAPS transfers | £15 each | 2 free, then £15 | 2 free, then £15 | 5 free, then £15 |
Which plan should I choose? For most new small businesses and sole traders, the Free plan is an excellent starting point — it includes everything you need to run your business finances at no cost. You can upgrade to a paid plan at any time as your business grows. The £200 referral offer with code REFER200 applies regardless of which plan you choose.