Tide Logo
Tide Logo
Tide Logo
Tide Logo

BUDGETS

Organise funds and delegate spend with Tide Budgets*

Scale faster with a digital money pot for every business goal. Tide’s Budgets simplify how you organise funds and allocate team spending, removing the admin stress so you can focus on running your business.

Open a free Tide business account in minutes. Start scaling your business and shrinking your admin – straight away.

Open an account

*Powered by ClearBank and FSCS-protected.

SMEs trust Tide

+2 million

SMEs trust Tide

Trustpilot rating

4.4/5

Trustpilot rating

UK app downloads

+3 million

UK app downloads

Benefits of Budgets

Spend with clarity. Stay in control.

Separate budgets, zero confusion. Split your funds and dedicate them to business goals like SaaS subscriptions, marketing, travel and more.

Delegate spend safely with built-in limits.

Empower your team on your own terms. Assign team Expense Cards to a Budget pot and never worry about overspend again.

Track all spend from one, simple account.

See spend and plan smarter. Manage multiple Budgets in one account and get a full view of your finances easily.

Open an account

How Budgets work

Master your cash flow without the guesswork. Budgets allow you to ringfence funds for specific costs, giving you a crystal-clear view of your business spending while empowering your team to spend safely.

Open a Tide business account

  • Get set up in minutes and find Budgets in the Tide app. Simply swipe along to Budgets to get started.

Create up to three budgets

  • You can create up to three Budgets allowing you to easily set aside funds for SaaS subscriptions, bills, or supplies, keeping them separate from your daily spending.

Assign spending controls

  • Specific spending controls can be allocated to each Budget, making it easy to delegate spending to your team, stress-free.

Link Virtual and Team Cards

  • Your own Virtual Card or a team member’s Expense Card can be linked to specific Budgets, ensuring money is always drawn from the right place.
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 a business account

Get everything you need from your free business bank account

With over 2 million freelancers, contractors, and scaling businesses trusting in Tide worldwide, we’re committed to building you the best business bank account to help you set up your business smoothly. 

Payment Links

Generate and send Payment Links for quick online card transactions.

Invoicing

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

Tap to Pay on iPhone

Accept contactless payments securely on your smartphone - no additional hardware needed.

Apple/ Google Pay

Set up a digital wallet to make every payment effortless.

International payments

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

Virtual Cards

Pay for your online subscriptions and ad expenses with our Virtual Cards.

Open an account

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

Ready to switch to Tide?

Considering switching your business account provider? We’ll make the move effortless.

  • Wave manual admin goodbye and use the Current Account Switching Service to move your existing business account

  • Switching is completely free and only takes 7 working days from the date you choose to switch

  • All we need from you is your old bank details, the rest is handled automatically, securely and fuss-free

Switch to Tide

Join over 2 million small business owners worldwide

What members say about Tide

Charlotte Davitt-Mills
Shotley 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."

Matt Herd
Beaucroft Watches

"Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account."

Aaron Mo
Ong Ong Buns

"With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business."

Ismail Uddin
NYAS Studio

"We were just in Portugal last week where we were having to make some payments and pay invoices, and I was just doing it from my phone on the beach...that was good."

Expense management related blogs

Read more articles
Read more articles

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 2 million sole traders, freelancers, and limited companies worldwide.

 Open an account

Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.