Tide Logo
Tide Logo
Tide Logo
Tide Logo

BUSINESS ACCOUNT FOR LANDLORDS

You manage your property, we'll take care of business

Get a free business bank account, Making Tax Digital tools, access to property finance tailored for landlords, and so much more.

Setting up a limited company? We’ll handle your registration for just £14.99 (instead of £100 with Companies House).

Open a business account

Already a Tide member? You can get access to Making Tax Digital, Business Loans & more directly within the Tide app.

Already a Tide member? You can get access to Making Tax Digital, Business Loans & more directly within the Tide app.

SMEs trust Tide

+2 million

SMEs trust Tide

Trustpilot rating

4.4/5

Trustpilot rating

UK app downloads

+3 million

UK app downloads

 Everything you need as a landlord. Nothing you don’t.

Free and fast set-up

Open a dedicated business account for your property income with no fees and 5 free transfers a month.

An account that moves with you

Manage your portfolio transactions from anywhere and access everything you need in-app.

Get paid on your own terms

Keep rental income flowing with professional invoicing, payment links and more.

Tax and accounting sorted

With landlords who earn over £50k requiring to file taxes 5 times a year, our free business account and accounting software has you covered.

Access to credit

Compare finance options from +80 lenders without affecting your credit score.

24/7 Support & security

Help from our dedicated team of real people and FSCS protection for your eligible deposits up to £120,000.

Open a free account

A powerful all-in-one platform to support you and your portfolio

Unlock smart, powerful tools designed to grow and scale according to your needs.

Property finance

Lending from £50,000 - £50 million to secure property funding.

Explore property finance

Company registration

Ready to incorporate? Seamlessly register your new property limited company through Tide for just £14.99.

Explore registration

Business savings

Earn up to 4% AER (variable) on your rental profits, with instant access whenever you need it.

Explore savings

Tide Accounting

Automate your property bookkeeping, track rental income, and submit your quarterly updates directly to HMRC.

Explore accounting

Stay Making Tax Digital compliant with Tide for free

Without the right Making Tax Digital setup, landlords could be looking at hours of extra admin, accounting bills and potential HMRC penalties. With Tide, it’s all done for you in our HMRC-recognised, MTD-compatible business bank account.

AUTOMATION

Real-time categorisation

Transactions are recorded and categorised automatically the moment you spend, keeping your books effortlessly organised 24/7.

COMPLIANCE

Direct HMRC submissions

Tax deadlines are handled quarterly and automatically filed to HMRC from your account, preventing costly admin errors.

STRESS-FREE

Final declaration support

Your year-end return is fully prepared by Tide for your final review and approval before being submitted directly.

3 ways to access our MTD features

You need to have your setup ready before officially signing up for Making Tax Digital. That's why we've built our business account to work with you – with 3 routes that help you access our MTD features, no matter who you bank with.

Connect your business bank account

Open a free Tide account to access our MTD features. You can connect an existing bank account to Tide via Open Banking if you're not ready to switch.

Use a Tide Accounting subscription

With our accounting tools, you have access to everything you need to submit your returns for income tax and VAT.

Keep using your accounting software

Connect your Tide account to your accounting software. We'll send a live feed of transactions over to complete your MTD submission and meet compliance.

Open a free account

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."

Guides for landlords in the UK

Read more articles
Read more articles

Frequently asked questions for landlords

The rollout for MTD for ITSA is phased based on your qualifying income: 

  • Sole traders earning over £50,000 must comply by 6 April 2026

  • Those earning between £30,000 and £50,000 will join on 6 April 2027

  • Those with income over £20,000 will be mandated to join from 6 April 2028

Tide’s free business bank account provides free, HMRC-recognised MTD features for members, including digital record-keeping, quarterly updates, and direct filing to HMRC through the Tide app.

Tide's MTD features allow you to connect your business bank account seamlessly, auto-categorise transactions, capture receipts, generate Self Assessment forms with tax estimates, and file returns directly to HMRC via the app.

You'll need to keep digital records of all income and expenses, submit quarterly updates to HMRC and finalise your income tax with a final declaration. This can all be done via software or Tide's free business bank account.

Tide's free business bank account only supports MTD for Income Tax requirements.

However, with Tide Accounting you can submit returns for both VAT and Income Tax.

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.