TIDE MAX PLAN

Reward your business’s success with Tide’s Max plan

Supercharge your business finances with the ultimate Tide plan — enjoy 0.5% cashback on eligible card spend, earn higher interest, plus unlock advanced accounting and payroll software.

Join Tide today and get one month free on our Max Plan*, then pay £69.99 per month.

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A plan that celebrates your business growth

Upgrade to Tide’s newest premium plan, where business banking meets an intuitive finance management platform and higher rewards. Manage your money, payments and savings all in one place and get back to what you love.

Get 0.5% cashback

Enjoy getting rewarded for everyday business spending.

Earn up to 4.24% AER

Benefit from a better savings rate and make your spare cash work harder. See our tiered rates below for more details.

Premium accounting

Unlock our full accounting package with built-in free invoicing.

Payroll software

Use HMRC-recognised payroll software that allows you to pay yourself and your team in minutes - straight from the Tide app.

+3 free business accounts

Separate finances, track projects, and streamline finances with extra business accounts.

0% FX fees on card transactions

Make international card payments with zero extra fees—no matter the expense.

Team access x5

Give five team members custom access and control to manage tasks.

Business Credit Score Insights

Track finances in real-time and get tips to keep your business credit healthy.

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Dedicated Member Support

Get direct access to our premium support team for quick assistance on weekdays from 9am to 6pm. On weekends, leave a request and we’ll call you back.

Choose a plan that fits your business needs

At Tide, our mission is to save small businesses time and money – that’s why we offer a free business bank account with no monthly fees. When your business levels up, we do too. Upgrade at ease and get more out of your business account.

	Free	Max	Smart	Pro
Monthly fee	£0	£69.99	£12.49	£24.99
Savings interest rate	up to 2.27% AER	up to 3.60% AER	up to 2.78% AER	up to 3.29% AER
Tide Instant Saver Boost	up to 4.24% AER*	Up to 4.24% AER*	up to 4.24% AER*	up to 4.24% AER*
0.5% cashback	cancel	check_circle	cancel	cancel
Accounting software	cancel	Admin Extra	cancel	Tide Accounting
Payroll software	£12 + VAT/month	Free	£12 + VAT/month	£12 + VAT/month
Transfers in & out	20p per transfer	Unlimited	25 free/month	Unlimited
Expense Cards	£5/month	3 free	1 free	2 free
FX fees on card transactions	2.75% on FX fees	0% FX fees	0% FX fees	0% FX fees
Additional Business Current Account	cancel	3 included	1 included	2 included
Team Access	View only	5 team members with enhanced access	1 team member with enhanced access	2 team members with enhanced access
ATM withdrawals	£1	£1	£1	£1
Priority in-app support	cancel	check_circle	check_circle	check_circle
Phone support	cancel	7 am - 7 pm (Monday to Friday)	9am - 6pm weekdays	9am - 6pm weekdays
Weekend support	cancel	9 am - 1 pm (Saturday), Priority callbacks (Sunday)	cancel	cancel
Legal advice helpline	cancel	24/7 access	24/7 access	24/7 access
Dedicated member support	cancel	check_circle	cancel	cancel
Enhanced Rewards	cancel	check_circle	check_circle	check_circle
Your Tide business card	Free blue card	Free matte black card	Free matte black card	Free matte black card

*Save more, earn more - up to 4.24% AER (variable). Interest rates are tiered, with the top rate for balances between £1M and £10M. The top rate includes a 0.50% year-end savings boost. New Tide Members get these rates free for 6 months, after which your Tide plan’s rates apply. For full details, see our Summary Box.

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How do our savings interest rates work?

Our instant access savings account has tiered rates to suit your business needs. For the first 6 months, earn our best rate of up to 4.24% AER for FREE when you open a Tide account before 1st January 2026 - deposit or withdraw your money at any time. Your savings rate depends on your deposit - save more, earn more. Each tiered rate applies only to the portion within that range. After 6 months, your rate adjusts to your chosen plan.

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With Max, your business gets the best of Tide's products

Enjoy 0.5% cashback

Get exclusive access to our rewards programme and earn 0.5% cashback on eligible card spend.

Earn cashback on transactions made with your Tide Max card

Receive cashback payouts monthly, straight into your Tide account

Transform everyday spending into effortless rewards

Built-in payroll software

Use our simple, HMRC-recognised payroll software is included in the Max plan*, making it easy to pay yourself and your team quickly - straight from the Tide app.

No need for additional software or an accountant

Take-home pay and statutory deductions are calculated for you

Salaries and taxes are automatically filed to HMRC

*This covers 2 team members only. To add more of your team to your payroll, there's a fee of £2/person.

Admin Extra

Get Tide’s simple and secure accounting software with built-in bookkeeping, invoicing, and more.

Submit stress free tax returns and plan ahead for payments, with automated estimates for how much you’ll have to pay

Send and track invoices easily, and get clear insights on cash flow, tax, and P&L

Speed up bookkeeping and collaborate seamlessly with your accountant in one integrated platform

Credit Score Insights

Access real-time credit score data complete with actionable tips on how to improve your business credit profile.

Monitor your credit score in real-time, straight from the Tide app

Protect your eligibility for better finance solutions, insurance premiums, and supplier terms

Get personalised alerts and tips to maintain credit health and stability

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Choose Max in three easy steps

Signup for a Tide Business Account

Choose the Max plan and enjoy a 1-month free trial

Get access to all features immediately

Get Started

Existing members? Go to Profile Settings and tap Upgrade, then Max.

Go Max and bring the essentials with you

Tide Max comes with enhanced features built from our essentials. Level-up your plan and take our free features with you.

FSCS protected

Up to £120,000 protected by the Financial Services Compensation Scheme across all your ClearBank accounts.

24/7 support

Start a chat and get help in the app anytime, 365 days a year.

Deposit cash

At any post office or PayPoint location.

Auto-categorisation

We automatically tag your income and spending. Customise the labels to suit your business.

Export transactions

Quickly export financial data for easy reporting and budgeting.

Switch hassle-free

Switch your business bank account to Tide in a few taps.

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Matt HerdBeaucroft 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.

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Tide Instant Saver (Year-End Boost) Summary Box

Applicable to members joining Tide between 28th November 2025 and 31st December 2025

The information provided in this summary box includes the key features of the account only and is not intended to be a substitute for reading the Tide and ClearBank terms applicable to your account (all available under tide.co/terms). We generate a new version of this summary box whenever any of the information contained herein changes. Download Summary Box here.

Last updated: 18th December 2025

What is the interest rate?

The interest rate applicable to your Tide Instant Saver Account is a variable rate and is equal to the published Bank of England Base Rate (gross) minus a certain percentage ). The current percentage by which the interest rate is below Bank of England Base Rate, can be found in the tables below. The current Bank of England Base Rate is 4.00% (gross). It can be found here: https://www.bankofengland.co.uk.

During the first six (6) months after opening a Tide Instant Saver Account (“Promotional Period”) an introductory bonus rate (the “Introductory Bonus Rate”) will be applied to your balance.

In addition to your Introductory Bonus Rate, you will also earn a Year-End Savings Boost during the Promotional Period. The Year-End Savings Boost earns an additional 0.5% on your balance p.a. (up to £10,000,000). The Table below shows you the interest p.a. you will earn from the Introductory Bonus Rate and Year-End Savings Boost during the Promotional Period.

Interest Rate p.a. during the Promotional Period
Balance	Introductory Bonus Rate	Year-End Savings Boost	Introductory Bonus Rate with Year-End Savings Boost
Up to £100,000.00	3.09% AER / 3.05% gross 0.70% gross below Bank of England Base Rate	0.50% AER	3.59% AER / 3.54% gross
Between £100,000.01 and £500,000.00	3.29% AER / 3.25% gross 0.50% gross below Bank of England Base Rate	0.50% AER	3.79% AER / 3.73% gross
Between £500,000.01 and £1,000,000.00	3.60% AER / 3.55% gross 0.20% gross below Bank of England Base Rate	0.50% AER	4.10% AER / 4.03% gross
Between £1,000,000.01 and £10,000,000.00	3.74% AER / 3.68% gross 0.07% gross below Bank of England Base Rate	0.50% AER	4.24% AER / 4.16% gross
Over £10,000,000	0.00% AER / 0.00% gross	0.00% AER	0.00% AER / 0.00% gross

Please note: The total interest rate during the Promotional Period may be higher than the Bank of England Base Rate depending on your balance due to the Year-End Savings Boost.

The interest is applied in a progressive tiered structure, meaning that each portion of the balance earns interest at the corresponding interest rate for that tier - rather than applying the highest interest rate to the entire balance, only the amount exceeding each threshold earns the higher interest rate.

After the Promotional Period ends, the interest rate applicable to your balance will be based on the Tide Membership Plan you are on on the following day. Please see the tables below for the interest rate applicable to each Tide Membership Plan.

1. Standard interest rate applicable to the Tide Free Membership Plan:

Interest rate after the 6-months Promotional Period
Balance	Interest Rate p.a.*
Up to £75,000.00	2.27% AER / 2.25% gross 1.50% gross below Bank of England Base Rate
Over £75,000.00	0.00% AER / 0.00% gross

2. Standard interest rate applicable to the Tide Smart Membership Plan:

Interest rate after the 6-months Promotional Period
Balance	Interest Rate p.a.*
Up to £100,000.00	2.78% AER / 2.75% gross 1.00% gross below Bank of England Base Rate
Over £100,000.00	0.00% AER / 0.00% gross

3. Standard interest rate applicable to the Tide Pro Membership Plan:

Interest rate after the 6-months Promotional Period
Balance	Interest Rate p.a.*
Up to £100,000.00	3.09% AER / 3.05% gross 0.7% gross below Bank of England Base Rate
Between £100,000.01 and £150,000.00	3.29% AER / 3.25% gross 0.50% gross below Bank of England Base Rate
Over £150,000.00	0.00% AER / 0.00% gross

4. Standard interest rate applicable to the Tide Max Membership Plan:

Interest rate after the 6-months Promotional Period
Balance	Interest Rate p.a.*
Up to £100,000.00	3.09% AER / 3.05% gross 0.70% gross below Bank of England Base Rate
Between £100,000.01 and £500,000.00	3.29% AER / 3.25% gross 0.50% gross below Bank of England Base Rate
Between £500,000.01 and £1,000,000.00	3.60% AER / 3.55% gross 0.20% gross below Bank of England Base Rate
Over £1,000,000.00	0.00% AER / 0.00% gross

5. Standard interest rate applicable to the Tide Max Membership Plan where the Tide Instant Saver Boost has also been purchased:

Balance	Interest Rate p.a.*
Up to £100,000.00	3.09% AER / 3.05% gross 0.70% gross below Bank of England Base Rate
Between £100,000.01 and £500,000.00	3.29% AER / 3.25% gross 0.50% gross below Bank of England Base Rate
Between £500,000.01 and £1,000,000.00	3.60% AER / 3.55% gross 0.20% gross below Bank of England Base Rate
Over £1,000,000.00	3.74% AER / 3.68% gross 0.07% gross below Bank of England Base Rate

* Each tiered rate applies only to the portion of the balance within that range, not to the entire deposit. If Tide Instant Saver Boost has not been purchased the following shall apply: on balances up to the highest applicable threshold for each Membership Plan, you’ll earn interest on the whole balance, if your balance is above this amount at any time you will not earn interest on the excess amount.

“AER” stands for Annual Equivalent Rate and illustrates the interest rate if it was paid and compounded once each year. “Gross” is the basic annual interest rate without considering compounding.

Interest is calculated daily, based on the balance available on your Tide Instant Saver Account at the end of the day, and paid monthly into your Tide Instant Saver Account on the first day of the month following the month in which the interest is earned.

Market conditions may result in negative interest being applied to your Tide Instant Saver Account. If this happens, instead of earning interest on the funds in your account, Tide will deduct interest from your account.

Can Tide change the interest rate?

Yes. As the interest rate is variable it can move up or down. The interest rate can change at any time for the following reasons:

1. Tide can change the Tide Margin at any time and this will impact the interest rate you receive. Please also refer to the Tide Instant Saver Terms.

If we decide to increase the Tide Margin and your interest rate will decrease as a result, we will give you at least 14 days’ notice in writing before the change takes effect.

We don’t have to give you prior notice if your interest rate increases because we decrease the Tide Margin. However, we will notify you about the change within 30 days of it taking effect.

2. In addition, each time the Bank of England Base Rate changes, the interest rate applicable to your Tide Instant Saver Account will also automatically change, in line with the increase or decrease in the Bank of England Base Rate. Please note that this might happen in addition to changes due to changes in the Tide Margin.

The change will take effect from the day the Bank of England announces the change.

We do not have to give you prior notice of the change, but we will notify you about the change within 30 days of it taking effect.

The Bank of England Base Rate may be negative, which may result in a negative interest rate applying to your Tide Instant Saver Account.

What would the estimated balance be on the date of the expiry of the Promotional Period and on the first anniversary of that date based on a £100,000, £500,000, £1,000,000, £2,000,000 and £10,000,000 deposit?

For Tide Members on the Tide Free Membership Plan the estimated balance will be as follows:

Initial amount	Balance after 6 months	Balance after 18 months**
£100,000.00	£101,783.81	£103,471.37
£500,000.00	£509,307.83	£510,995.39
£1,000,000.00	£1,019,473.09	£1,021,160.65
£2,000,000.00	£2,040,454.19	£2,042,141.75
£10,000,000.00	£10,206,505.00	£10,208,192.56

For Tide Members on the Tide Smart Membership Plan the estimated balance will be as follows:

Initial amount	Balance after 6 months	Balance after 18 months**
£100,000.00	£101,783.81	£104,533.85
£500,000.00	£509,307.83	£512,057.87
£1,000,000.00	£1,019,473.09	£1,022,223.13
£2,000,000.00	£2,040,454.19	£2,043,204.23
£10,000,000.00	£10,206,505.00	£10,209,255.04

For Tide Members on the Tide Pro Membership Plan the estimated balance will be as follows:

Initial amount	Balance after 6 months	Balance after 18 months**
£100,000.00	£101,783.81	£104,938.51
£500,000.00	£509,307.83	£513,982.79
£1,000,000.00	£1,019,473.09	£1,024,148.05
£2,000,000.00	£2,040,454.19	£2,045,129.15
£10,000,000.00	£10,206,505.00	£10,211,179.96

For Tide Members on the Tide Max Membership Plan the estimated balance will be as follows:

Initial amount	Balance after 6 months	Balance after 18 months**
£100,000.00	£101,783.81	£104,938.51
£500,000.00	£509,307.83	£525,957.43
£1,000,000.00	£1,019,473.09	£1,053,273.13
£2,000,000.00	£2,040,454.19	£2,074,254.23
£10,000,000.00	£10,206,505.00	£10,240,305.04

For Tide Members on the Tide Max Membership Plan who have also purchased the Tide Instant Saver Boost the estimated balance will be as follows:

Initial amount	Balance after 6 months	Balance after 18 months**
£100,000.00	£101,783.81	£104,938.51
£500,000.00	£509,307.83	£525,957.43
£1,000,000.00	£1,019,473.09	£1,054,577.87
£2,000,000.00	£2,040,454.19	£2,113,771.31
£10,000,000.00	£10,206,505.00	£10,585,453.60

The estimates are based on:

the Bank of England base rate being 3.75%

no further deposits or withdrawals being made and no changes to the interest rate taking place

no further changes in Bank of England rates, the percentage by which the interest rate is below Bank of England Base Rate and the Year-End Savings Boost (beside the one resulting from the expiry of the Promotional Period)

** After the expiry of the Promotional Period a 0.00% AER interest rate has been applied on the amount above the respective threshold of the relevant Tide Membership Plan as per the corresponding interest rate table above.

The projections are for illustrative purposes only and do not take into account your personal circumstances.

How do I open and manage my account?

Account holders must be a UK resident aged 18 or over.

The Tide Instant Saver Account can be opened (a) in the Tide app or on Tide.co by UK-registered sole traders and limited companies who hold a business bank account provided by ClearBank via the Tide Platform (“Tide Business Account”) as well as (b) in the Tide app by UK-registered limited companies who do not hold a Tide Business Account.

To open a Tide Instant Saver Account, you must designate a UK pound sterling current account held solely in the name of your business as your “Nominated Account”.

If you hold a Tide Business Account, your Nominated Account will be your Tide Business Account.

In case you are a UK-registered limited company who does not hold a Tide Business Account, your Non-Tide Account will serve as your Nominated Account.

You may only have one Nominated Account.

The minimum opening deposit is £1.

You can only add funds into your Tide Instant Saver Account by transferring them from your Nominated Account.

Financial or other quantitative limits might be applied to your Tide Instant Saver Account in accordance with relevant risk assessment and policies. We can change these limits at our discretion at any time depending on our ongoing risk assessment of you or to comply with our regulatory obligations. You can contact our Member Support team at any time to ask about the limits applicable to your account or to request a review and increase of your limits.

Once opened, your account can be managed 24/7 (a) online at tide.co or via your Tide app for Tide Members who hold a Tide Business Account; or (b) via your Tide app for Tide Members who do not hold a Tide Business Account. You can also contact the Member Support team by email at hello@tide.co.

You can close your Tide Instant Saver Account at any time.

Can I withdraw my money?

Yes. This is an instant access account. No notice for withdrawals is required and withdrawals can be made at any time.

There is no limit on withdrawals.

Withdrawals from your Tide Instant Saver Account can only be made online and into your Nominated Account.

Please note: While withdrawals can be made at any time, making one or more withdrawals in a calendar month during the first six (6) months after opening your Tide Instant Saver Account will cause you to forfeit the 0.5% Tide Year-End Savings Boost Rate for that entire month. See 'What is the interest rate?' section for details.

Additional information

This version of the Tide Instant Saver Account is available only for new Tide Members who join and open their Tide Instant Saver Account between 28th November and 31st December 2025.

Depending on personal circumstances, you may have to pay tax on the interest to HM Revenue & Customs. Please seek professional tax advice if you are unsure about your tax position.

Changing your Tide Membership Plan would have an effect on the interest rate applicable to your Tide Instant Saver Account. Please see the FAQs for details. You will be presented with a new version of this summary box prior to switching your Tide Membership Plan.

Upon termination of your Tide Instant Saver Account, any interest accrued up to the termination effective date will be transferred to your Nominated Account. Before your Tide Instant Saver Account can be closed, you need to transfer any balance remaining in your Tide Instant Saver Account to your Nominated Account.

If you have set up a Non-Tide Account as your Nominated Account and you close your Nominated Account before or at the same time as your Tide Instant Saver Account, you need to provide us the details of another UK bank account held in your name to which your remaining Tide Instant Saver Account balance can be transferred. Our Member Support team will contact you to confirm where that refund should be made to.

Tide Max Instant Saver Account Summary

Last updated: 18th Dec 2025

What is the interest rate?

The interest rate applicable to your Tide Instant Saver Account is a variable rate and is equal to the published Bank of England Base Rate (gross) minus a certain percentage, determined by Tide (the “Tide Margin”). The current Tide Margin can be found in the table below. The currently applicable Bank of England Base Rate is 4.25% (gross). The applicable Bank of England base rate can be found here: https://www.bankofengland.co.uk.

As part of your Tide Max Membership Plan, you receive a preferential interest rate on your Tide Instant Saver deposit as per the table below:

Balance	Interest Rate p.a.*	Tide Margin
Up to £100,000	3.60% AER / 3.55% gross	0.70% gross
Between £100,000.01 and £500,000.00	3.81% AER / 3.75% gross	0.50% gross
Between £500,000.01 and £1,000,000.00	4.12% AER / 4.05% gross	0.20% gross
Over £1,000,000.00	0.00% AER / 0.00% gross	not applicable

*The interest is applied in a progressive tiered structure, meaning that each portion of the deposit earns interest at the corresponding rate for that tier - rather than applying the highest interest rate to the entire deposit, only the amount exceeding each threshold earns the higher rate.

On balances up to £100,000.00 you’ll earn interest on the whole balance. If your balance is above this amount at any time you will not earn interest on the excess amount.

“AER” stands for Annual Equivalent Rate and illustrates the interest rate if it was paid and compounded once each year. “Gross” is the basic annual interest rate without considering compounding.

Can Tide change the interest rate?

Yes. As the interest rate is variable it can move up or down.

The interest rate can change at any time for the following reasons:

Tide can change the Tide Margin at any time and this will impact the interest rate you receive. Please also refer to the Tide Instant Saver Terms.

If we decide to increase the Tide Margin and your interest rate will decrease as a result, we will give you at least 14 days’ notice in writing before the change takes effect.

We don’t have to give you prior notice if your interest rate increases because we decrease the Tide Margin. However, we will notify you about the change within 30 days of it taking effect.

The change will take effect from the day the Bank of England announces the change.

We do not have to give you prior notice of the change, but we will notify you about the change within 30 days of it taking effect.

The Bank of England Base Rate may be negative, which may result in a negative interest rate applying to your Tide Instant Saver Account.

What would the estimated balance be after 12 months based on a £100,000, £500,000, £1,000,000 and £2,000,000 deposit?

For Tide Members on the Tide Max Membership Plan the estimated balance be on the date of the expiry of the promotional period and on the first anniversary of that date based on a £100,000, £500,000, £1,000,000 and £2,000,000 deposit will be as follows:

Initial amount	Balance after 12 months*
£100,000.00	£103,611.66
£500,000.00	£518,898.25
£1,000,000.00	£1,038,799.96
£2,000,000.00	£2,038,799.96

The estimates are based on:

the Bank of England base rate being 4.25%

no further deposits or withdrawals being made and no changes to the interest rate taking place

no further changes in Bank of England rates and the Tide Margin

* Only the portion of the deposit exceeding a certain threshold as per the interest rate table at the top of the document benefits from the higher rate, rather than the full amount. A 0.00% AER interest rate has been applied on the amount above £1,000,000.

The projections are for illustrative purposes only and do not take into account your personal circumstances.

How do I open and manage my account?

Account holders must be a UK resident aged 18 or over.

The account can be opened in the Tide app or on Tide.co.

You need to have an active Tide Business Account and subscribe to the Tide Max Membership Plan for this version of the Tide Instant Saver Account. Your Tide Business Account will serve as your “Nominated Account”. You cannot use an account provided by another bank or financial institution (a “Non-Tide Account”) as your Nominated Account for this version of the Tide Instant Saver Account. You may only have one Nominated Account.

The minimum opening deposit is £1.

You can only add funds into your Tide Instant Saver Account by transferring them from your Nominated Account.

Once opened, your account can be managed 24/7 online at tide.co or via your Tide app. You can also contact the Member Support team by email at hello@tide.co.

You can close your Tide Instant Saver Account at any time.

Can I withdraw my money?

Yes. This is an instant access account. No notice for withdrawals is required and withdrawals can be made at any time.

There is no limit on withdrawals.

Withdrawals from your Tide Instant Saver Account can only be made online and into your Nominated Account.

Additional information

This version of the Tide Instant Saver Account is available for new Tide Members joining after 1st April 2025.

Depending on personal circumstances, you may have to pay tax on the interest to HM Revenue & Customs. Please seek professional tax advice if you are unsure about your tax position.

Changing your Tide Membership Plan would have an effect on the interest rate applicable to your Tide Instant Saver Account. Please see the FAQs for details. You will be presented with a new version on this summary box prior to switching your Tide Membership Plan.

On termination of your Tide Instant Saver Account any interest accrued up to the termination effective date will be transferred to your Nominated Account. Before your Tide Instant Saver Account can be closed, you need to transfer any balance remaining in your Tide Instant Saver Account to your Nominated Account.

Tide Instant Saver Boost Account Summary Box

Last updated: 18th December 2025

Tide Instant Saver Boost Account Summary Box

Account name: Tide Instant Saver Account

What is the interest rate?

The interest rate applicable to your Tide Instant Saver Account is a variable rate and is equal to the published Bank of England Base Rate (gross) minus a certain percentage, determined by Tide (the “Tide Margin”). The current Tide Margin can be found in the table below. The currently applicable Bank of England Base Rate is 4.00% (gross). The applicable Bank of England base rate can be found here: https://www.bankofengland.co.uk.

The interest rates applicable to your Tide Instant Saver account are:

Balance	Interest Rate p.a.*	Tide Margin
Up to £100,000	3.35% AER / 3.30% gross	0.70% gross
Between £100,000.01 and £500,000.00	3.55% AER / 3.50% gross	0.50% gross
Between £500,000.01 and £1,000,000.00	3.86% AER / 3.80% gross	0.20% gross
Over £1,000,000.00	4.00% AER / 3.93% gross	0.07% gross

Can Tide change the interest rate?

Yes. As the interest rate is variable it can move up or down. The interest rate can change at any time for the following reasons:

1. Tide can change the Tide Margin at any time and this will impact the interest rate you receive. Please also refer to the Tide Instant Saver Terms.

If we decide to increase the Tide Margin and your interest rate will decrease as a result, we will give you at least 14 days’ notice in writing before the change takes effect.

We don’t have to give you prior notice if your interest rate increases because we decrease the Tide Margin. However, we will notify you about the change within 30 days of it taking effect.

The change will take effect from the day the Bank of England announces the change.

We do not have to give you prior notice of the change, but we will notify you about the change within 30 days of it taking effect.

The Bank of England Base Rate may be negative, which may result in a negative interest rate applying to your Tide Instant Saver Account.

What would the estimated balance be after 12 months based on a £100,000, £500,000, £1,000,000 and £2,000,000 deposit?

Initial amount	Balance after 12 months*
£100,000.00	£103,353.44
£500,000.00	£517,604.53
£1,000,000.00	£1,036,961.05
£2,000,000.00	£2,076,976.70

The estimates are based on:

the Bank of England base rate being 4.00%

no further deposits or withdrawals being made and no changes to the interest rate taking place

no further changes in Bank of England rates and the Tide Margin

* Only the portion of the deposit exceeding a certain threshold as per the interest rate table at the top of the document benefits from the higher rate, rather than the full amount.

The projections are for illustrative purposes only and do not take into account your personal circumstances.

How do I open and manage my account?

Account holders must be a UK resident aged 18 or over.

The account can be opened in the Tide app or on Tide.co.

You need to have an active Tide Business Account and subscribe to the Tide Max Membership Plan for this version of the Tide Instant Saver Account. Your Tide Business Account will serve as your “Nominated Account”. You cannot use an account provided by another bank or financial institution (a “Non-Tide Account”) as your Nominated Account for this version of the Tide Instant Saver Account. You may only have one Nominated Account.

You may only have one Nominated Account.

The minimum opening deposit is £1.

You can only add funds into your Tide Instant Saver Account by transferring them from your Nominated Account.

We may apply financial or other quantitative limits to your Tide Instant Saver Account in accordance with our risk assessment and policies. We can change these limits at our discretion at any time depending on our ongoing risk assessment of you or to comply with our regulatory obligations. You can contact our Member Support team at any time to ask about the limits applicable to your account or to request a review and increase of your limits.

Once opened, your account can be managed 24/7 online at tide.co or via your Tide app. You can also contact the Member Support team by email at hello@tide.co.

You can close your Tide Instant Saver Account at any time.

Can I withdraw my money?

Yes. This is an instant access account. No notice for withdrawals is required and withdrawals can be made at any time.

There is no limit on withdrawals.

Withdrawals from your Tide Instant Saver Account can only be made online and into your Nominated Account.

Additional information

This version of the Tide Instant Saver Account is available only to Tide Members who have subscribed to the Tide Max Membership Plan and purchased the Tide Instant Saver Boost.

Depending on personal circumstances, you may have to pay tax on the interest to HM Revenue & Customs. Please seek professional tax advice if you are unsure about your tax position.

Changing your Tide Membership Plan would have an effect on the interest rate applicable to your Tide Instant Saver Account. Please see the FAQs for details. You will be presented with a new version on this summary box prior to switching your Tide Membership Plan.

Tide Max FAQs

What is Tide Max?

Max benefits vary depending on whether you have a Tide Business Current Account – see the difference below.

If you have a Tide Business Current Account, you’ll get:

0.5% cashback on all eligible card purchases

Unlimited, free, inbound and outbound transfers within the UK (subject to Tide's fair use policy)

A stylish matte black card

3 free Expense Cards

0% fee on foreign currency card transactions or ATM withdrawals

24/7 priority in-app chat support

9am - 6pm phone support - weekdays (excluding bank holidays)

Priority callbacks by our team on weekends

Dedicated member support

24/7 access to a legal helpline (Irwin Mitchell LLP)

3 Additional Business Current Accounts

5 Team Members with enhanced Team Access

A preferential savings rate – Earn between 3.09% AER and 3.60% AER (variable) on your business savings up to £1,000,000 in the Tide Instant Saver Account. Enjoy a tiered interest structure. Each portion of your balance earns its own rate. For full details, see the Summary Box

Access to the Tide Instant Saver Boost to earn even more interest – up to 3.74% variable AER on balances above £1,000,000 (this Boost is optional and subject to additional subscription fee)

Enhanced rewards

Free premium accounting with Admin Extra

Free access to Credit Score Insights

Important: Rates shown are correct as of 18 December 2025. Interest rates are subject to change, and some benefits are subject to eligibility.

If you only have a Tide Instant Saver Account, you won’t get:

Free inbound or outbound transfers

Cashback

0% fees on foreign currency card transactions or ATM withdrawals

Additional Business Current Accounts

A Tide black card

Expense cards

These benefits require certain features that only come with a Tide Business Current Account. See more about the advantages of opening one over on this page. If you have any questions, tap Support in the app and we’ll help you.

How much does Tide Max cost?

Max is £69.99 (no VAT applies*) per month, and we’ll take payment on the 1st of each month for that calendar month.

* From 01 October 2025, VAT no longer applies to our Paid Plans, Tide Instant Saver Boost, Construction Cashback Boost, and Expense cards – so it won’t be charged. However you might continue to see it in-app and on the web by 01 November.

What happens to my interest rate if I change my Tide Plan?

Our Paid Plans give you preferential interest rates applicable to your Tide Instant Saver Account. Changing your Tide Plan also means changing the interest rate of your Tide Instant Saver account.

You can upgrade your Tide Plan, for example from our Free Plan to Smart, or from Pro to Max, at any time.

Interest for your Tide Instant Saver is calculated daily, based on the balance available on your Tide Instant Saver account at the end of the day, and paid monthly into your Tide Instant Saver account. The interest rate applicable to your Tide Instant Saver Account, including the interest-earning thresholds and limits, will be aligned to your new Tide Plan on the same day as the upgrade.

Cancellation or downgrade will take effect on the first day of the following calendar month. The interest rate applicable to your Tide Instant Saver account, including the interest-earning thresholds and limits, will also be aligned to your new Tide Plan on the first day of the following calendar month.

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

Open an account

TIDE MAX PLAN

Reward your business’s success with Tide’s Max plan

A plan that celebrates your business growth

Get 0.5% cashback

Earn up to 4.24% AER

Premium accounting

Payroll software

+3 free business accounts

0% FX fees on card transactions

Team access x5

Business Credit Score Insights

Choose a plan that fits your business needs

Free

Max

Smart

Pro

Monthly fee

Savings interest rate

Tide Instant Saver Boost

0.5% cashback

Accounting software

Payroll software

Transfers in & out

Expense Cards

FX fees on card transactions

Additional Business Current Account

Team Access

ATM withdrawals

Priority in-app support

Phone support

Weekend support

Legal advice helpline

Dedicated member support

Enhanced Rewards

Your Tide business card

How do our savings interest rates work?

With Max, your business gets the best of Tide's products

Enjoy 0.5% cashback

Built-in payroll software

Admin Extra

Credit Score Insights

Choose Max in three easy steps

Go Max and bring the essentials with you

FSCS protected

24/7 support

Deposit cash

Auto-categorisation

Export transactions

Switch hassle-free

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.

Tide Instant Saver (Year-End Boost) Summary Box

What is the interest rate?

Can Tide change the interest rate?

What would the estimated balance be on the date of the expiry of the Promotional Period and on the first anniversary of that date based on a £100,000, £500,000, £1,000,000, £2,000,000 and £10,000,000 deposit?

How do I open and manage my account?

Can I withdraw my money?

Additional information

Tide Max Instant Saver Account Summary

What is the interest rate?

Can Tide change the interest rate?

What would the estimated balance be after 12 months based on a £100,000, £500,000, £1,000,000 and £2,000,000 deposit?

How do I open and manage my account?

Can I withdraw my money?

Additional information

Tide Instant Saver Boost Account Summary Box

Tide Instant Saver Boost Account Summary Box

Account name: Tide Instant Saver Account

What is the interest rate?

Can Tide change the interest rate?

What would the estimated balance be after 12 months based on a £100,000, £500,000, £1,000,000 and £2,000,000 deposit?

How do I open and manage my account?

Can I withdraw my money?

Additional information

Tide Max FAQs

What is Tide Max?

How much does Tide Max cost?

What happens to my interest rate if I change my Tide Plan?

We understand businesses, it's all we do