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 300,000 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
  • 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

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.

  • 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 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.

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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Contactless Mastercard

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

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Trusted by over 300,000 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.

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

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 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.

You can deposit cash at any Post Office branch in the U.K. If you are 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 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 300,000+ UK businesses.

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