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BUSINESS BANK ACCOUNT

Open a Tide account and earn up to 4.5% AER - plus £200 cashback

Open a free UK business current account in minutes and get everything you need to run a better business.

Unlock seamless payments, built-in accounting and a dedicated savings account to earn up to 4.5% AER on your business savings.

Open an account

Use offer code TIS200. To be eligible for the promotion, you must open both a Tide business bank account and a Tide Instant Saver. Terms and conditions apply.

*Save more, earn more - up to 4.5% AER (variable). Interest rates are tiered, with the top rate for balances between £1M and £10M. The top rate includes a 0.50% year-end savings boost. New Tide Members get these rates free for 6 months, after which your Tide plan’s rates apply. For full details, see our Summary Box.

Savings account powered by ClearBank.
Rates correct as of 28/11/2025.

Everything you need from your free business bank account

Over 1 million limited company owners, sole traders and freelancers worldwide have chosen to open a business bank account with Tide. Join them today for free.

£0 /month

Only pay for what you use, with low transaction and ATM fees

Personalised invoicing

Create, send and track invoices from the Tide app to get paid faster

Business savings

Earn up to 4.5% AER variable on your capital with our Tide Instant Saver Account *T&Cs apply.

Simple accounting

Connect your accounting software and bank account for easy reporting

Safe and secure

24/7 account monitoring, ensuring your money is safe

24/7 support

Start a chat and get help in the app any time, 365 days a year

Open an account

Open a free business bank account online in minutes

Business banking with Tide is easy.

  1. Download the app

  2. Tell us about your business and verify your identity

  3. Your account is approved and ready to go in minutes - your card will arrive in a couple of days

Open an account

Get a competitive business savings rate and grow effortlessly

At Tide, we’ve built a business savings account that helps you grow your capital and be prepared for the future – with the flexibility to access your funds whenever you need them.

Earn up to 4.5% AER variable interest*

Get instant access to your savings

Enjoy no limits or fees on withdrawals

Open an account

Use our savings calculator to see how much you could earn

Calculate how much interest you could earn with our business savings account and discover which Tide plan maximises your returns. 

Years

Calculations are indicative only and intended as a guide only. The figures calculated are not a statement of the actual repayments that will be charged on any actual loan and do not constitute a loan offer. Tide will not be responsible for any discrepancy in the loan calculations and does not accept any liability for loss, which may be attributable to the reliance on and use of this calculator. You should always check directly with a lender to confirm the final offer and repayment amounts before selecting a financial product.

Plan with the highest return

You’ll be able to select any plan during the onboarding process

Your results

3.04 %
2.54% *
£ 912
£ 30,762

Plan Comparison

 Tide Mastercard in blue
Best for your savings
Tide Mastercard in black
Tide Mastercard in blackTide Mastercard in blackTide Mastercard in black

Plan options

Free
Smart
Pro
Max
Max + Boost

Monthly fee

Free £12.49 + VAT £24.99 + VAT £69.99 + VAT £169.98 + VAT

Total return before plan fees

2.52 % 3.04 % 3.35 % 3.35 % 3.35 %

Return including plan fees

2.52 % 2.54 % 2.35 % 0.55 % -3.45 %

Plan Interest Rates

3.04%
AER (variable)
£0 £100,000

Unlock higher interest rates

Enter a higher Starting amount to earn even more interest and increase your deposit limit

Our business bank account is packed with features to save you time and money

Payment Links

Send payment links in seconds for easy online card transactions.

Auto-categorisation

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

Virtual Cards

Pay for your online subscriptions and advertising expenses with our Virtual Cards, seamlessly connected to the Tide app.

Apple/Google Pay

Set-up Apple and Google Pay to make every payment a breeze.

International Payments

Access your IBAN number in the Tide app to send & receive international payments in a few taps.

CSV exports and more

Export your transactions in multiple formats or share with your accountant.

The all-in-one platform for managing your business seamlessly

Explore our additional tools designed to take your business to new heights.

Tide Accounting

Make completing Self Assessments and VAT returns seamless with Tide Accounting.

Learn more

Business Savings

Earn up to 4.5% AER* (variable) on your business savings

Learn more

Tide Card Reader

In-person card payments without the fuss. Get unlimited mobile data and get paid anywhere.

Learn more

Tide Payroll

Simple, reliable, HMRC-recognised payroll software designed to make payday hassle-free and fast.

Learn more

Try a paid plan for free

Sign up for one of our paid plans today and get 1 month free*. Unlock more features to better manage your finances, like Expense Cards, free transfers and priority in-chat & phone support.

Charlotte Davitt-MillsShotley Vineyard

“Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business”

Compare our business bank account to other banks

See how we stack up against other high street and challenger banks, in one click.

Compare free business accounts

Am I eligible for a Tide business bank account?

Applying for a free business bank account with Tide is quick and easy, whether you’re a sole trader or running a limited company. There’s no hard credit check and it’s all done within minutes in the app.

You must be over 18

Have a UK-based business

Show valid photo ID

Upload a selfie photo

Open a free account

Free business bank account FAQs

No, Tide isn’t a bank.

Tide is a business financial platform and the leading provider of digital business banking services in the UK. We are regulated by the Financial Conduct Authority (FCA) and offer e-money accounts, provided by PrePay Solutions (PPS), as well as business bank accounts, provided by ClearBank.

We believe that this model gives us the opportunity to provide a wider range of products and services to our members, helping them to save time (and money) on their financial admin.

Yes! However, you must have a UK residential address and phone number. Applicants who are not based in the UK may apply for a business bank 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.

You can now digitally deposit cheques using the Tide app. You can’t deposit cheques at the bank or the Post Office. 

We only support cheques made out in GBP. Other currencies won’t be accepted. 

Just a heads up – you can only deposit your cheques if your sort code is 04-06-05.

See how to make a digital cheque deposit over on this page.

Help, my question isn’t answered here Find answers to all our most frequently asked questions about opening an account

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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