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Tide Logo
Tide Logo
Tide Logo

BUSINESS INVESTMENT ACCOUNT

Your business surplus isn’t just cash. It’s untapped potential.

Want to invest your idle capital? Open an investment account for SMEs that takes your business wealth to the next level. Choose from ready-made Vanguard portfolios so you can focus on your business, not the paperwork. 

Open an account in minutes and put your surplus cash to work today – straight from the Tide app. Remember, when investing, your capital is at risk and the value of investments can go down as well as up.

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In partnership with Vanguard. 

Tide Investment Account is an execution-only investment service. Tide does not provide financial or tax advice. For investment business, Tide Capital Limited is an appointed representative of P1 Investment Services Limited, which is authorised and regulated by the Financial Conduct Authority.

Zero setup fees

From 0.30% annual platform fee*

Zero exit fees

*Other charges may apply and will reduce your returns. Read the relevant key information document before investing.

What is business investment account?

What is business investment account?

A business investment account is a managed portfolio that allows UK SMEs to invest surplus business cash and charge their growth. Instead of leaving reserves in a low-yield account, it can grow your idle company cash by putting it to work in diversified portfolios managed by trusted partners like Vanguard.

If low business interest rates in the UK mean your cash is losing value in real terms, a business investment account offers an alternative way to put that cash to work. As with all investments, returns aren't guaranteed and the value of your investment can fall as well as rise. 

With Tide’s easy business investment account, we have stripped away the usual financial hurdles. Start investing in one click and view your business savings and investments all in one dashboard.

Invest with Tide and take your business capital further

Higher returns potential.

Seamless connectivity.

Simplicity.

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Growth that matches your risk appetite

Balanced Fund

This plan spreads your money between established company shares worldwide and government and corporate bonds or similar fixed income investments. A balanced option for businesses looking for steadier growth potential with lower risk.

✔️ Risk and reward rating: 4 out of 7

✔️ Avg. historical return** over 5-year period: ~6.60%

✔️ Annual platform fee: From 0.3%*

✔️ Vanguard Mutual Fund: Balances safety with stronger potential for growth over 1 to 2 years by spreading your reserves across established shares and bonds. 

Get a balanced fund

Growth Fund

Consider this if you can leave your money invested for 3 to 5 years. Spreading investments across stock markets offers growth potential, though it's never guaranteed. Your balance will go up and down, but this approach offers the highest potential returns for your business.  

✔️ Risk and reward rating: 5 out of 7

✔️ Avg. historical return** over 5-year period: ~12.60%

✔️ Annual platform fee: From 0.3%*

✔️ Vanguard Mutual Fund: Built for maximum growth potential over 3 to 5 years, spreading your investment across stock markets to help beat inflation. 

Get a growth fund

Instant Saver

Not ready to start investing? Keep your cash safe with Tide’s Instant Saver and get up to £120,000 FSCS protection, while earning interest. Best of all, you can instantly move your money back to your main account whenever your business needs it. 

✔️ Risk profile: None

✔️ Interest rate: Up to 4% AER 

✔️Tide Savings: Built for your immediate business safety net. Earns you reliable interest with no limits on withdrawls. 

Start saving

*How our fees work: Tide charges an annual platform fee depending on your Tide plan. You’ll pay 0.6% on Free, 0.5% on Smart, 0.4% on Pro, and 0.3% on Max. 

**Capital at risk. Past performance is not indicative of future returns. Avg. historical returns shown as at 31st May 2026.

How investing with Tide works

Efficiency is at the core of everything we build – go from idle to invested via the Tide app. 

  1. Open a free Tide Business Account Skip the long forms. Open your account in minutes and download the Tide app.

  2. Activate your Tide Investment Account In the Tide app, go to Home > Savings and Investments

  3. Choose your investing strategy Select from two expert-managed funds depending on your business goals and risk appetite. 

 Open an account

One platform for all things business

Explore our additional tools designed to take your business to new heights.

Tide Payroll

Run your payroll in minutes with HMRC-recognised software. Automatically calculate tax, National Insurance, and pensions while filing directly from your Tide account to stay compliant with ease.

Learn more

Tide Accounting

Take the stress out of tax season with MTD-ready tools. Categorise expenses, estimate your tax bill, and file your VAT or Self Assessment returns directly to HMRC, all from one integrated platform. 

 Learn more

Tide Card Reader

In-person card payments without the fuss. Get unlimited mobile data and get paid anywhere.

 Learn more

Business Loans

Apply for finance to keep your business growing, without impacting your credit score.

 Learn more

Join over 2 million members 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."

Tide Investment Account FAQs

Investing involves risk, and the value of your investment can go down as well as up. You may get back less than you originally invested, and past performance isn't a reliable indicator of future returns. Unlike a savings account, your capital isn't guaranteed. 

The FSCS protects you if the investment firm fails – not against investment losses. If covered, you could be eligible for compensation up to £85,000 per person, per firm. This doesn't protect you against your investments falling in value due to market performance. Note: For investments, the FSCS have not increased the threshold to £120,000.

UK SMEs can invest surplus cash using the Tide Investment Account (TIA). It offers two risk-adjusted portfolios (Balanced Fund & Growth Fund). This allows business owners to target higher potential returns from their Tide Current Account with zero manual hassle. 

[i] Tide Investment Account is a general investment account and has no tax wrapper. Any income and gains may be subject to tax. Tax treatment depends on the individual circumstances of each member and may be subject to change in future.

To invest company money with minimal admin, use Tide’s quick setup. By choosing from two pre-set risk levels, SMEs can put idle cash to work without the traditional complexity of manual business investing.

Yes, the Tide Investment Account (TIA) is fully integrated with the Tide Current Account. This ecosystem allows UK SMEs to move funds, and monitor balances in one app, making it easier to manage banking and investing side by side.

The charges associated with the Tide Investment Account include a Tide platform charge, which varies based on your chosen plan, starting from 0.3% on the Max plan. Standard monthly plan fees also apply, and you can compare full plan features, benefits and pricing here. Additionally, Vanguard applies an Ongoing Charges Figure (OCF) of 0.20% on both the Balanced Fund and the Growth Fund, which covers the management fee and is reflected in the value of your investments.

For investments, Tide Capital Limited is an appointed representative of P1 Investment Services Limited, which is authorised and regulated by the Financial Conduct Authority.

Questions about Tide Investment Account?

Find answers to all our most frequently asked questions in our Help Centre.

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.

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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.