About Tide
Tide is a UK-based all-in-one business finance platform that provides a free business current account via a banking partner, along with tools to manage payments, expenses, invoicing, and bookkeeping. It also offers additional features such as Tide Accounting, business savings, a card reader for in-person payments, and HMRC-recognised payroll and lending options through partner lenders. With FSCS protection on the bank account and 24/7 in-app support, Tide is designed to help small businesses, freelancers and contractors run their finances more efficiently.
Key features
- Free business current account with value-added tools
- In-app invoicing, payment links and Tap to Pay on iPhone
- Expense management with Tide Cards and receipt capture
- Built-in Tide Accounting and easy export to accounting software (e.g., Xero, Sage)
- Cash flow forecasting and budgeting insights
- Access to business loans from partner lenders
- Savings with Tide Instant Saver up to 4% AER (variable) for eligible periods
- Card reader for in-person payments and Pay by Link capabilities
- 24/7 in-app chat support and FSCS protection via the banking partner
- Free third-party software integrations and accounting exports
Why choose Tide?
- All-in-one platform for banking, payments, invoicing, and accounting to save time and admin
- No monthly fee on the free plan; scalable paid plans for growing businesses
- Trusted by over 1.5 million businesses with FSCS protection on the bank account
- Quick access to borrowing from trusted partner lenders with pre-eligibility checks
- Built-in tools to help manage taxes, cash flow, and expenses in one place
- Regular features for both digital and in-person payments (invoicing, cards, Pay links, Tap to Pay)
Pricing
Pricing plans (monthly):
- Free: £0/month
- UK card transactions: Free
- Foreign currency card transactions: 2.75% FX fees
- Transfers to/from other bank accounts: 20p/transfer
- Transfers to/from foreign accounts: 20p/transfer + 1.50% FX fee
- ATM withdrawals: £1
- Cash deposits at Post Office: 0.99% (min £2.50)
- Cash deposits at PayPoint: 3%
- Linked Instant Saver Interest: 2.52% up to £75k
- Additional accounts: Not available
- Expense Cards: £5/month per card
- Invoicing: 3 free invoices per month
- Payroll & Tide Accounting: From £13.99 (Tide Accounting); Payroll £12.99 + VAT/month
- Smart: £12.49/month
- UK card transactions: Free
- Foreign currency card transactions: 0% FX fees
- Transfers to/from other bank accounts: 25 free transfers
- Transfers to/from foreign accounts: No transfer fee + 0.50% FX fee
- Linked Instant Saver Interest: 3.04% on up to £100k
- Additional accounts: 1 free additional account
- Expense Cards: 1 free expense card
- Invoicing: 3 free invoices per month
- Tide Accounting: From £13.99
- Payroll: £12.99 + VAT/month
- Pro: £24.99/month
- Unlimited free transfers
- 0% FX on foreign card transactions
- Transfers to/from foreign accounts: No transfer fee + 0.50% FX fee
- Linked Instant Saver Interest: 3.35% up to £100k, 3.55% on £100k-£150k, 0% beyond £150k
- Additional accounts: 2 free additional accounts
- Expense Cards: 2 free expense cards
- Invoicing: Unlimited
- Tide Accounting: Free
- Payroll: Included
- Max: £69.99/month
- Unlimited free transfers
- 0% FX on foreign card transactions
- Transfers to/from foreign accounts: No transfer fee + 0.50% FX fee
- Linked Instant Saver Interest: 3.86% on £500k-£1m, 3.55% on £100k-£500k
- Additional accounts: 3 free additional accounts
- Expense Cards: 3 free expense cards
- Invoicing: Unlimited
- Tide Accounting: Admin Extra free
- Payroll: Included with full features