Lindsays Highland Tours, with Tide since 2019
Lindsays Highland Tours, with Tide since 2019

Business Bank Account

The smart bank account for your business

Freelancers, sole traders and limited companies, we’re dedicated to you.

More than 450,000 business owners have chosen Tide to take care of their business finance.

Open an account

All your business finance admin in one app

Icon direct debits feature

Direct Debits

See and manage any Direct Debits in the app

Icon scheduled payments feature

Scheduled payments

Set up or edit standing orders and one-off payments

Icon monthly bank statements feature

Statements

Monthly and ad-hoc statements, download as PDF

Icon transactions CSV export feature

CSV exports and more

Export your transactions in multiple formats or share with your accountant

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Accounting integration

Instantly link your transaction feed to accounting software like Xero and QuickBooks

Icon account limit management feature

Manage limits

Easily review your account limits and request changes directly in the app

Account plans that scale with your business

Our mission is to save small businesses time and money. That’s why we offer a free business bank account with no monthly fee. 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
  • Create and send invoices for free check
  • Priority in-app support close
  • Phone support close
  • 24/7 legal helpline close
  • Exclusive member perks close
  • Support with trademark filing and disputes infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis close
  • Dedicated team of account managers close
  • 0.5% cashback with your Tide card close

Plus

£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
  • Create and send invoices for free check
  • Priority in-app support check
  • Phone support check
  • 24/7 legal helpline check
  • Exclusive member perks check
  • Support with trademark filing and disputes infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis check
  • Dedicated team of account managers close
  • 0.5% cashback with your Tide card close

Pro

star_rateNew £18.99 +VAT monthly
  • Your Tide business card Free
  • Expense Cards for your team 2 free expense cards included
  • Transfers in & out Unlimited
  • 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
  • Create and send invoices for free check
  • Priority in-app support check
  • Phone support check
  • 24/7 legal helpline check
  • Exclusive member perks check
  • Support with trademark filing and disputes infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis check
  • Dedicated team of account managers 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
  • Create and send invoices for free check
  • Priority in-app support check
  • Phone support check
  • 24/7 legal helpline check
  • Exclusive member perks check
  • Support with trademark filing and disputes infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis check
  • Dedicated team of account managers check
  • 0.5% cashback with your Tide card check

For companies of all shapes and sizes

Image of Freelancers icon

Freelancers

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

Image of Small businesses icon

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

Tide App timeline

More than just a business bank account

Our app 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 your accountancy software

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

  • Send, pay and track invoices

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

Contactless Mastercard

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

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Trusted by over 450,000 UK businesses

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Business bank account FAQs

Help, my question isn’t answered here…

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

Can I deposit cheques?

We don’t accept cheque deposits at the moment. However, we understand that cheques aren’t going away any time soon. In 2022, we’ll look into smart ways to process cheques and will contact you when we’ve put these in place.

HM Revenue and Customs (HMRC) is one of the most common issuers of cheques. 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 bank transfer only. We don’t issue remaining balance cheques at this stage.

What are Tide’s features?

Tide accounts come packed with smart and time-saving tools, letting you focus less on admin and more on your business.

  • Full UK sort code and account number
  • Business Mastercard, with free purchases at home and abroad
  • Automatic categorisation of your transactions, for easy accounting
  • Instant invoice payment and creation
  • Up to £150,000 of credit, straight through the app

That’s just the beginning! You can see more on our features page.

Are there limits on my account?

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.

How do I deposit cash?

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:

  1. Find your nearest Post Office or PayPoint location
  2. Let them know you’d like to add money onto your Tide card
  3. Hand over your Tide card and any cash you’d like to deposit
  4. They’ll swipe your card and hand you a receipt

Processing Times

Post Office deposits will be credited to your Tide account within a few minutes.

PayPoint deposits will show in your account after about 10 minutes.

Fees and Limits

The Post Office fees are:

  • £2.50 for deposits up to £500
  • 0.5% of the cash deposit amount for deposits over £500

There’s a 3% fee on the total deposit value at PayPoint.

At the Post Office, you can make monthly cash deposits of up to £25,000 and a yearly deposit of up to £300,000 (subject to transaction limits controlled by Post Office branches). Other currencies aren’t supported at the moment.

At PayPoint locations, you can deposit between £10–500 each day. Other currencies aren’t supported at the moment.

The fee is automatically deducted from the deposit at the time of processing.

You can deposit cash at any Post Office branch in the UK. If you’re having any issues, you can show them this FAQ.

Can I have a monthly statement?

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.

Can I export my transactions?

You can export transaction data to CSV files directly from the Tide app, and we also offer different accounting solutions to best suit your business needs.

To get your transaction data, tap Export – it’s in the top right corner of your Accounts page, directly under the card icon. 

Please note that you’ll need to filter your transactions by date or category before you export them.

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A business bank 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 450,000+ sole traders, freelancers and limited companies throughout the UK.

Open an account
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