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Annie, Tide member & founder of Luxemore London

TIDE PRO ACCOUNT

Upgrade to Pro

Scaling up? As your business grows, your Tide account can grow with you.

Upgrade to Tide Pro to unlock unlimited free transfers every month, telephone support and a legal helpline. infoTransactions must not exceed 6000 per month as per the Tide Fair Use Policy - see FAQs

Join Pro for £18.99 + VAT per month

Open an account

How Tide Pro can help your growing business

📤Unlimited FREE transfers per month

💳2 FREE Expense Cards for your co-workers

📞phone support, 9am - 6pm weekdays

📑24/7 legal advice helpline infoLegal helpline provided by our partner, Irwin Mitchell

member discounts

🖤matte black card

Not sure if Pro is right for you?
Take a look at the table below, read the Terms and Conditions If you have any questions, ask us in the Tide app: tap Support and send us a message.

Extra help for Pro members

Our mission is to help those who work for themselves. As your business grows, your banking needs will too. Tide Pro offers unlimited free transfers to save you time and money, plus a host of other benefits:

Access an exclusive Pro feature

Save 20p each time you make or receive a transfer, thanks to unlimited free transfersinfoTransactions must not exceed 6000 per month as per the Tide Fair Use Policy - see FAQs

tide-pro-business-bank-account-free-transfers

Enjoy 24/7 support

Message us in the app anytime and our team will be on hand to help.

Or, call us from 9am to 6pm on Monday to Friday (excluding bank holidays).

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Expenses made simple for your team

Get two free expense cards. Streamline your admin, give your team flexibility and stay in control with spending limits decided by you.

tide-pro-business-bank-account-expense-card

Get professional legal and tax advice

Get answers to your questions on any legal issue, business or personal with a legal helpline provided by our parter, Irwin Mitchell. Help protect your intellectual property, including support with filing trademark applications. infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis

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Account plans that scale with your business

Our mission is to save small businesses time and money. That’s why we offer a free business bank account with no monthly fee. 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
  • Create and send invoices for free check
  • Priority in-app support close
  • Phone support close
  • 24/7 legal helpline close
  • Exclusive member perks close
  • Support with trademark filing and disputes infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis close
  • Dedicated team of account managers close
  • 0.5% cashback with your Tide card close

Plus

£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
  • Create and send invoices for free check
  • Priority in-app support check
  • Phone support check
  • 24/7 legal helpline check
  • Exclusive member perks check
  • Support with trademark filing and disputes infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis check
  • Dedicated team of account managers close
  • 0.5% cashback with your Tide card close

Pro

star_rateNew £18.99 +VAT monthly
  • Your Tide business card Free
  • Expense Cards for your team 2 free expense cards included
  • Transfers in & out Unlimited
  • 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
  • Create and send invoices for free check
  • Priority in-app support check
  • Phone support check
  • 24/7 legal helpline check
  • Exclusive member perks check
  • Support with trademark filing and disputes infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis check
  • Dedicated team of account managers 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
  • Create and send invoices for free check
  • Priority in-app support check
  • Phone support check
  • 24/7 legal helpline check
  • Exclusive member perks check
  • Support with trademark filing and disputes infoDepending on the nature of trademark services, additional fees may be incurred on a case by case basis check
  • Dedicated team of account managers check
  • 0.5% cashback with your Tide card check

Ready to become a Tide Pro?

Pro membership is £18.99 + VAT per month. To upgrade, open your Tide app and tap More > Upgrade

💡 Tip: You can expense the fee as a ‘bank/finance charge’.

Membership is subject to the Terms and Conditions.

Not yet a Tide member? Join us for FREE today and upgrade when you’re ready.

Open an account
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Upgrade to Pro in 3 taps

Follow these steps are you'll be upgraded instantly. You can starting using your fee-free transfers immediately.

  1. Sign up to Tide

    If you aren't already a Tide member, sign up for a Tide account

  2. Tap upgrade

    Open the Tide app, tap More > Upgrade

  3. Select Pro

    Tap Pro and you’ll be upgraded instantly

  4. grade

    All done!

    Your account number and sort code stay the same and you can start using your fee-free transfers immediately

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"One of the best things about Tide Pro is the flexibility it gives as I'm expanding my company. Scaling up means I'm making more transfers and having unlimited transfers gives me one less thing to worry about as my business grows."

Response from a Tide member in a survey for Tide, 2022

Trusted by over 450,000 UK businesses

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Pro Account Upgrade FAQs

What is Tide Pro?

With our Pro plan, you’ll get:

  • Unlimited free inbound and outbound UK transfers (subject to Tide’s fair use policy, and not including international transfers)
  • 2 Expense Cards
  • Priority support 24/7 in the app, and on the phone from 9am to 6pm weekdays (excluding bank holidays)
  • Access to a 24/7 legal helpline provided by Irwin Mitchell LLP
  • A matte black card 

How much does Tide Pro cost?

It’s £18.99 + VAT per month, and we’ll take payment on the 4th of each month for that calendar month. If you’d like to pay yearly instead of monthly, it’s £189.90 + VAT.

How do I upgrade to Pro?

To upgrade to a paid plan, including Tide Pro: 

  • Go to More and then Upgrade
  • Choose your plan, and whether you’d like to pay monthly or yearly 
  • Read and agree to the Terms and Conditions
  • Enter your app passcode

We’ll upgrade you immediately. The fee for your first month is calculated pro-rata, so you’ll only pay for the remaining days rather than a full month.

You upgrade on a per company basis. You can only upgrade at company level – if you have multiple companies, you’ll have to upgrade each of these separately to your chosen plan.

When does the billing cycle run?

It runs from the first of the month until the end of the month, and we’ll take your payment on the 4th.

    • If you downgrade to our Standard free plan after the 1st but before the payment date, you’ll still be charged for the paid plan. We’ll downgrade you for the following month onto our Standard free plan.
    • For your first month, you’ll be charged pro-rata – so if you upgrade on the 16th you’ll only pay for the 16th until the end of that month. On the 4th of the following month, you’ll pay for the full month as usual.

What happens if I can’t pay the fee?

If we can’t collect the fee on the 4th of the month because there isn’t enough money in your account, we’ll try again every day until the end of the month.

If we aren’t able to collect the fee, we’ll automatically downgrade your account and you’ll lose access to the paid plan on the 1st of the following month.

When will my black card arrive?

We’ll automatically start printing and shipping your black card when you upgrade to your new plan. You can expect it to be delivered to your trading address within 3 to 5 working days.

Will my blue card still work?

Your blue card will work until you activate your black card. After that, your blue card is automatically cancelled and you won’t be able to use it anymore.

How do I order the Expense Cards included in my plan?

You can order these in the Tide app:

  • Go to More > Expense cards
  • Enter your team member’s details
  • Select the account you’d like to link the Expense Card to

If your team member passes our security checks, we’ll send the card to your trading address within a week.

You’re not able to order an Expense Card for yourself, as they’re only for your team members.

How do I access priority in-app and phone support?

It’s the same as always: send us a message in the app and you’ll automatically be put through to the right team to answer your question, depending on which plan you’re on.

You can call us from the Support section of the app. Phone support is available from 9am to 6pm on weekdays (excluding bank holidays). For your security, our phone support team will take a few minutes to verify your identity – just like high street banks do.

Calls will be charged at your standard network rate.

What’s included in my free transfer allowance?

  • You can make payments in pounds sterling using:
    • Direct Debit
    • Faster Payments
  • You can receive payments in pounds sterling using:
    • Direct Debit
    • Faster Payments
    • CHAPS
    • BACS

What is Tide’s fair use policy?

To make sure you get the best experience from our Pro plan, there are some fair use limitations for our unlimited transfers feature. We’ve worked hard to ensure that these limitations are fair and, rest assured, most members won’t be affected. For example, making an unusually high volume of transfers in and out of your Tide account would not be considered fair use. “High volume” includes receiving and sending more than 6,000 account transfers a month. In addition, any transfers which aren’t allowed under your Tide Terms, such as transactions that breach financial crime regulation, would also not be considered fair usage. If you exceed our fair use policy, we reserve the right to end your access to the free transfers feature and charge you the standard rates – this is per our Tide Terms and applies to any transfer that doesn’t meet our fair use policy.

We may send you an alert if you exceed (or you’re at risk of exceeding) our fair use policy.

When can I call the legal helpline?

They’re available 24/7, 365 days a year.

Why have I been charged twice?

It might look like you’re being charged twice, but you’ll only pay your paid plan fees on the 4th of the month. Then, if there are transactional fees due on top of your paid plan allowance, such as transfer fees,  we’ll ask you to pay for those later in the month. 

Why do you charge VAT?

We have to charge Value Added Tax (VAT) on the fee for some of Tide’s paid services, including membership plans. That’s because the fee is for ‘value added’ services associated with your membership.

If you’re VAT registered in the UK, you can reclaim the VAT on your membership fee at the end of your accounting period.

The VAT charged on your membership fee is the standard rate. You can read more about VAT rates on Gov.uk.

What happens to my black card if I downgrade to the Standard free plan?

Your black card will remain active, so you can continue to use it. However, you’ll lose all the other perks that come with our paid plans.

What happens to my allocated Expense Card if I downgrade?

Any Expense Cards you have will remain active, but we’ll start to bill you for them, as our Standard free plan doesn’t include any free Expense Cards. We’ll take this payment on the 4th of the month in which your downgrade took effect.

You can read more about Expense Card charges

How do I downgrade or change plan?

  • Go to More > Membership > Change Plan  
  • Select the plan you’d like to change to

What are the terms and conditions for Tide’s paid plans?

If you’d like to review these, you can read and save our plan T&Cs – they cover our Plus, Pro and Cashback plans

If you’ve got a question, you can message us in the Tide app or email hello@tide.co

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A business bank 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 450,000+ UK businesses.

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