Freelancers, sole traders and limited companies, we’re dedicated to you.
More than 200,000 business owners have chosen Tide for their business current account.
See and manage any Direct Debits in the app
Set up or edit standing orders and one-off payments
Monthly and ad-hoc statements, download as PDF
Export your transactions in multiple formats or share with your accountant
Instantly link your transaction feed to accounting software like Xero and QuickBooks
Easily review your account limits and request changes directly in the app
Straightforward business current accounts at no monthly cost to get started for sole traders, consultants and contractors
Limited companies save time with accounting integration, invoicing directly from the app and Team Cards for easy expense management
Upgrade to our Plus or Premium memberships when your business needs more support and enjoy exclusive perks
Our app is packed with features which save you time and money.
We automatically tag your income and spending. Customise the labels to suit your company.
Upload receipts, auto-match them to transactions, add a note if you like and it’s all stored digitally.
Link your account to software like Xero, QuickBooks and more.
No need for a separate system, keep on top of your invoices directly in our app.
Manage your cards in the app, set-and-forget your auto-categories, integrate with your accountancy software, then get back to doing what you love – growing your business.
Open an account
We’ve made it easy to manage your Tide card so you stay in control.
Spend on your card in the UK and abroad with no fees and no commission. (Getting cash from an ATM costs £1 and some machines might charge an extra fee.)
Stay in control from anywhere. Use the app to freeze, unfreeze, or cancel and re-order your card.
Order up to 35 Team Cards and keep track of who's spending what. Set up sub-accounts to ringfence money for expenses.
Spend in shops, buy online and withdraw cash worldwide wherever Mastercard is accepted.
We don’t currently accept cheque deposits.
We understand that cheques aren’t going to go away any time soon though. That’s why we’re looking at smart ways to process cheques, like an image clearing system which allows cheques to be deposited straight through your phone.
One of the most common issuers of cheques is HM Revenues and Customs. If you’ve received a cheque from HMRC, you can return it and request a direct bank transfer instead.
In instances where your account is being closed, any remaining funds will be returned to you by banking transfer only. At this stage we do not issue remaining balance cheques.
All GBP payments sent from your Tide account are Faster Payments.
These can be processed as standard one time transfers, scheduled payments, standing orders, and Direct Debits.
Tide accounts come packed with smart and time-saving tools, letting you focus less on admin and more on your business.
That’s just the beginning! You can see more on our features page, and keep up to date with what’s coming next on our roadmap
It depends.
For most of our members: not yet. Payments can only be made to and received from UK accounts. For now, you can use third-party services to send and receive international payments.
Some Tide members with limited companies have a Tide International Currency Account. If that’s the case for you, there’s a full list on our blog of which countries you can make payments to and receive payments from: International transfers: our new rules
No. There’s no guarantee your transfer will be directed to us if you’re using an online IBAN generator, it’s very risky and we wouldn’t recommend using this method under any circumstances.
That will depend on whether you’re a sole trader or a registered company.
Tap “Accounts” from your in-app More menu to see your full account limits, or to request a limit increase.
Yes! Tide supports outbound Direct Debits.
If you’re asked to provide the name and address of your banking provider, you can find the address in the app: More > Transactions > Direct Debits.
Please note that Direct Debits can take up to 5 days to become active once requested.
The Direct Debit process starts 8.00am Monday to Friday, excluding public holidays.
We don’t offer overdrafts but we’ve partnered with Iwoca to bring our members business loans.
With Iwoca, you can apply direct via Tide on the web for up to £250,000 of credit, which you can use as an alternative to a traditional overdraft.
This service is for eligible members only. If you’re eligible, you’ll be able to see Credit under the navigation bar when you log into Tide on the web.
We’ve partnered with the Post Office and PayPoint, so you can deposit cash at over 40,000 locations in the UK!
Here’s how to make a deposit:
Processing Times
Post Office deposits made before 6pm will be added to your account the next working day, deposits made after 6pm will take an additional working day.
PayPoint deposits will show in your account after about 10 minutes.
Fees and Limits
There is a £1 fee for a deposit at a Post Office, and a 3% fee on the total deposit value at PayPoint.
The fee is automatically deducted from the deposit at time of processing.
You can deposit between £10–500 each day. Other currencies aren’t supported at the moment.
Yes! You can download a statement on the 4th of the following month.
Just tap More > Transactions > Statements, then select the months that you’d like to download a statement for.
You can export transaction data to CSV files directly from the app – we offer a few different formats to best suit your accounting needs.
The export button is located in the top right corner of your accounts page, directly under the card icon.
Find answers to all our most frequently asked questions and how to contact our Member Support team.
Tide is about doing what you love. That’s why we’re trusted by 200,000+ UK businesses.
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