Business bank account

Ready for business

Powerful and simple. Apply today through Tide to open an FSCS protected bank account provided by ClearBank.infoTide offers bank accounts provided by ClearBank (ClearBank® Ltd. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority; registration number 754568).

Open an account
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For companies of all shapes and sizes

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Freelancers

Straightforward business current accounts at no monthly cost to get started for sole traders, consultants and contractors

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Small businesses

Limited companies save time with accounting integration, invoicing directly from the app and Expense Cards for easy expense management

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Scaling businesses

Upgrade to our Plus or Premium memberships when your business needs more support and enjoy exclusive perks

Account plans that scale with your business

We’re dedicated to supporting small businesses – that’s why the prices for our business current account start from free. Choose the plan that’s right for you now and upgrade any time as your business grows.

Free

£0.00 monthly
  • Your Tide business card Free
  • Expense Cards for your team £5 / month
  • Transfers in & out 20p per transfer
  • ATM withdrawals £1
  • Read access for team members check
  • Scheduled payments check
  • Accounting integrations - Quickbooks, Xero, Sage and more check
  • Multi-business - hold up to 5 business accounts check
  • Priority in-app support close
  • Phone support close
  • 24/7 legal helpline close
  • Exclusive member perks close
  • Dedicated account manager close
  • 0.5% cashback with your Tide card close

Plus

star_rateBest for most businesses £9.99 +VAT monthly
  • Your Tide business card Free
  • Expense Cards for your team 1 free expense card included
  • Transfers in & out 20/month free
  • ATM withdrawals £1
  • Read access for team members check
  • Scheduled payments check
  • Accounting integrations - Quickbooks, Xero, Sage and more check
  • Multi-business - hold up to 5 business accounts check
  • Priority in-app support check
  • Phone support check
  • 24/7 legal helpline check
  • Exclusive member perks check
  • Dedicated account manager close
  • 0.5% cashback with your Tide card close

Cashback

£49.99 +VAT monthly
  • Your Tide business card Free
  • Expense Cards for your team 3 free expense cards included
  • Transfers in & out 150/month free
  • ATM withdrawals £1
  • Read access for team members check
  • Scheduled payments check
  • Accounting integrations - Quickbooks, Xero, Sage and more check
  • Multi-business - hold up to 5 business accounts check
  • Priority in-app support check
  • Phone support check
  • 24/7 legal helpline check
  • Exclusive member perks check
  • Dedicated account manager check
  • 0.5% cashback with your Tide card check

Trusted by 300,000+ UK businesses

Register your limited company and open a Tide account all in one go

  • It’s FREE

    We pay the incorporation fee on your behalf and give you a free business account.

  • It’s fast

    Apply within minutes and get set up all in one go.

  • It’s safe

    We’re an approved formation agent with a secure Companies House integration, so you’re in good hands.

Get started

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Tide App timeline

More than just an account

Our business current account is packed with features which save you time and money:

  • Auto-categorisation

    We automatically tag your income and spending. Customise the labels to suit your company.

  • Easy expenses

    Upload receipts, auto-match them to transactions, add a note if you like and it’s all stored digitally.

  • Sync with accountancy software

    Link your account to software like Xero, QuickBooks, Sage and more.

  • Send, pay and track invoices

    No need for a separate system, keep on top of your invoices directly in our app.

Easy account access

Desktop access

Manage your finances in a way that works for you, whether it’s in the palm of your hand, or from your computer.

Read access for your team

Invite business partners, colleagues or your accountant to view and download transactions.

Export CSV files

Download all your payments, attachments and notes, then upload them to any accounting software.

Sync up with your accounting software

Forget uploading CSVs – connect your account to Xero, QuickBooks, FreeAgent, Sage, KashFlow and Reckon.

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Contactless Mastercard

We’ve made it easy to manage your Tide card so you stay in control.

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Plus everything else you might need

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Rapid setup

Get a sort code and account number in minutes.

security

Protected and trusted

We’re fully authorised and regulated by the FCA.

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In-app support

Our Member Support team are available to help 24/7, 365.

Frequently asked questions

What ID will I need to open an account?

We’ll be able to verify your identity from most European National ID cards, international driving licences and passports.

Can I open an account? (our eligibility criteria)

To apply for an account with Tide, you will need to meet our eligibility criteria outlined below:

To apply for a registered business account, you’ll need to be registered with UK Companies House as a director of that company.
To apply for a sole trader account, you’ll need to be a UK based sole trader or freelancer.

For both account types, you’ll need to be aged 18 or above, have a valid UK phone number and address, and hold a compatible device registered to a UK App or Google Play store.

We’re on a mission to help businesses owners spend less time on money admin, and we want to enable as many small businesses as possible to do that. It’s a balancing act though, certain company types are more complex to onboard, so the scope of businesses we’re currently able to offer accounts to is a little more focused than your average high street bank.

We hope to broaden this scope as we grow, but currently we’re unable to onboard the following types of companies:

  • Trading of cryptocurrencies
  • Trading of precious metals and stones
  • Money services (such as foreign exchange, loan providers, money transfers)
  • Casinos, prize draws and other betting or gambling activities
  • Sale of unlicensed pharmaceuticals
  • Sale or trade of cannabidiol (CBD) products
  • Trading of weapons, explosives or armaments
  • Unlicensed trading and processing of scrap metal
  • Unlicensed waste management
  • Sale, import and export of used vehicles or heavy machinery
  • Escort services and other services in the adult industry
  • Bidding fee auctions
  • Modelling agencies
  • Travel agencies
  • Car wash services
  • Political parties
  • Charities
  • CICs and CIOs

You can read more about this in our blog post: Providing financial security for our members.

How long does it take to open an account?

On-boarding timeframes vary depending on the types of applications we receive, but more than half of our new members this year opened their account in less than 10 minutes.

To be exact, 53% opened their accounts in under 10 minutes, 70% in under 60 minutes, and 81% within 48 hours. Even if your business is a bit more complex and we can’t complete your application right away, if you meet our eligibility requirements it’ll still be far quicker than most high street banks!

Saving our members time is at the core of what we do, so we’re always working to optimise and improve wait times. You can read about why we sometimes need a little more information on our blog.

Can a charity open an account with Tide?

Unfortunately we’re unable to on-board charities at this stage.

Do you carry out credit checks?

No! To open a current account, we perform electronic checks (run by third-party services) to verify your identity and comply with UK anti-money laundering regulations. While these checks will not impact your credit score, they will appear on your credit report.

Can I apply from outside the UK?

Yes! Applicants who are not based in the UK may apply for a Registered Business account, as long as they are directors of a company registered with UK Companies House. In some cases, we may have to complete additional checks in order to process your application.

Don’t forget – you’ll need to switch your App or Google Play store to the UK to download Tide.

Does Tide offer a switching service?

Unfortunately not – but you can use Tide alongside your existing bank account until you have fully switched over.

Help, my question isn’t answered here…

Find answers to all our most frequently asked questions and how to contact our Member Support team.

Business tips from our expert community

Getting started is easy

No queuing or appointment required

  1. Download the app

    On play store or app store

  2. Scan your ID and take a selfie

    To securely verify who you are

  3. Tell us about your company

    Like what you do and any shareholders

  4. Most accounts approved in minutes

    Sometimes we ask for more information

  5. check_circle

    You’re up and running!

    Your account is ready to go, we’ll get your card to you in a couple of days

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A business current account that's free, easy to open, and helps you start doing what you love.

Tide is about doing what you love. That’s why we’re trusted by 300,000+ UK businesses.

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