TIDE SMART PLAN

Smart 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:

• 30 free inbound and outbound UK transfers a month

• 1 Additional Business Current Account

• 1 Team Member with enhanced Team Access

• A preferential savings rate – Earn 2.78% AER (variable) on savings up to £100,000 in the Tide Instant Saver Account. For full details, see the Summary Box

• 1 free Team Expense Cards seat

• 24/7 priority in-app chat support

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

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

• A stylish, matte black card

• 0% fees on foreign currency card transactions or ATM withdrawals

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

• 0% fees on foreign currency card transactions or ATM withdrawals

• Additional Business Current Accounts

• A Tide card

• Team Expense Cards seats

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.

Tide Smart costs £12.49 per month. We collect the fee on the 1st of each month, for that calendar month. 

You can get 12 months for the price of 8 when you pay annually – £99.99 per year. 

We won’t charge you VAT on your paid plan.

Your fees will be calculated pro-rata, meaning that if you upgrade after the 1st of the month, you'll only pay for the remaining days of that month. From next month we’ll collect the full amount.

It's the same if you're on a free trial – once your trial is over, your fees are calculated pro-rata. You’ll only pay for the remaining days of the month, before we collect the full amount next month.

Let's say your free trial ended on 15 December: 

• If you've cancelled during your free trial – you'll keep your access until your free trial ends and have no charge, at the end of it

• If you cancelled after the trial, but before the billing date – you'll have to pay for the remainder of the current month on pro-rata basis and will be downgraded on the 1st of next month

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.

With Tide Smart, you get 30 free inbound and outbound transfers.

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

* Transfers between your main Tide Account and your Tide Instant Saver (if you have one), are always free.

Our billing cycle runs from the 1st to the last day of each month, and payments are collected on the 1st.

If you downgrade your plan on or after the 1st of the month, we’ll still charge you for that month, and the downgrade will take effect from the beginning of the next month.

If you upgrade your plan, the first month you’ll be charged pro-rata – so, if you upgrade on the 16th, you’ll only pay for the days remaining in that month. Starting from the next billing cycle, we’ll collect the full monthly price of your new plan, on the 1st. If you're on a free trial and want to downgrade, make sure to do so before the last day of the month in which your trial ends. Once your trial is over, your fees are calculated pro-rata. You’ll only pay for the remaining days of the month, before we collect the full amount next month.

Let's say your free trial ended on 15 December: 

• If you've cancelled during your free trial – you'll keep your access until your free trial ends and have no charge, at the end of it

• If you cancelled after the trial, but before the billing date – you'll have to pay for the remainder of the current month on pro-rata basis and will be downgraded on the 1st of next month

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.