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

The smart business current account

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.

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All your business finance admin in one app

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Direct Debits

See and manage any Direct Debits in the app

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Scheduled payments

Set up or edit standing orders and one-off payments

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Statements

Monthly and ad-hoc statements, download as PDF

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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

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Manage limits

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

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

  • Scheduled payments
  • Transfers in & out - 20p
  • Read access for team members and your accountant
  • Accounting software integration: QuickBooks, Xero, Sage and more
  • Sub-accounts - ringfence money for expenses, wages or bills
  • Multi-business - hold up to 5 business accounts
  • Member perks
  • Priority in-app support
  • Phone support
  • 24/7 legal helpline
  • Dedicated account manager
  • 0.5% cashback when using Tide card
    on all eligible card transactions *
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Plus

£9.99

+VAT monthly

  • Scheduled payments
  • Transfers in & out - 20/mth with no fee
  • Read access for team members and your accountant
  • Accounting software integration: QuickBooks, Xero, Sage and more
  • Sub-accounts - ringfence money for expenses, wages or bills
  • Multi-business - hold up to 5 business accounts
  • Exclusive Plus member perks
  • Priority in-app support
  • Phone support
  • 24/7 legal helpline
  • Dedicated account manager
  • 0.5% cashback when using Tide card
    on all eligible card transactions *
Open an account

Plus Cashback

0.5% Cashback on purchases *

£49.99

+VAT monthly

  • Scheduled payments
  • Transfers in & out - 150/mth with no fee
  • Read access for team members and your accountant
  • Accounting software integration: QuickBooks, Xero, Sage and more
  • Sub-accounts - ringfence money for expenses, wages or bills
  • Multi-business - hold up to 5 business accounts
  • Exclusive Plus Cashback member perks
  • Priority in-app support
  • Phone support
  • 24/7 legal helpline
  • Dedicated account manager
  • 0.5% cashback when using Tide card
    on all eligible card transactions *
Register your interest

* terms apply

See how we compare

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 Team 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

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More than just a business account

Our app is packed with features which save you time and money.

The business current account that works for you

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.

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

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Trusted by over 200,000 UK businesses

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Business current account FAQs

Can I deposit cheques?

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.

Which types of payment can I make?

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.

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, and keep up to date with what’s coming next on our roadmap

Can I make international payments?

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

 

Can I use an online IBAN generator to receive international payments?

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.

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.

Can I set up a Direct Debit?

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.

Do you offer overdrafts?

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.

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 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.

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 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.

Help, my question isn’t answered here…

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

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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 200,000+ UK businesses.

Open an account
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