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BUSINESS SAVINGS ACCOUNT

Earn up to 4% AER (variable)

  • Get our highest savings rate for the first 4 months – at no cost

  • Start saving from just £1 and enjoy monthly interest payments

  • Get instant access to your money securely through the Tide app

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*Save more, earn more - up to 4% AER (variable). Interest rates are tiered, with the top rate for balances between £1M and £10M. The top rate includes a 0.26% savings boost. New Tide Members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details, see our Summary Box .

Savings account powered by ClearBank. Rates correct as of 11/05/2026.

*Save more, earn more - up to 4% AER (variable). Interest rates are tiered, with the top rate for balances between £1M and £10M. The top rate includes a 0.26% savings boost. New Tide Members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details, see our Summary Box .

Savings account powered by ClearBank. Rates correct as of 11/05/2026.

Join over 1,000,000 business owners today!

Serving over 10% of all SMEs in the UK, helping contractors, freelancers and scaling businesses get back to doing what they love.

Why open an instant access business savings account with Tide?

Our high interest savings account helps you grow your capital with the flexibility to earn more interest as your business grows. 

Earn up to 4% AER variable interest with monthly payments

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Start savings from just ��1 with instant access to your funds

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No limits, penalties or fees on withdrawals

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Get FSCS-protection on up to £120,000 deposited into your account

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How do our savings interest rates work?

For the first 4 months, earn our introductory rate of up to 4% AER* for FREE on your business savings.

Your savings rate depends on your deposit—save more, earn more. Each tiered rate applies only to the portion within that range. After 4 months, your rate adjusts to your chosen plan.

Compare business savings accounts

Find a business savings account that grows your money faster and meets the needs of your business. To assist you in your search, we’ve compared some of the best instant access savings accounts currently available on the market.

 
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Tide
Barclays
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Natwest
Monzo
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Virgin Money
Cynergy Bank
Allica Bank
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Shawbrook
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Hampshire Trust Bank

% interest on business savings account

Up to 4% AER

Up to 4% AER

Up to 1.61% AER

Up to 1.61% AER

Up to 1.51% AER

Up to 1.51% AER

1.30% AER

1.30% AER

3.50% AER

3.50% AER

3.50% AER

3.50% AER

Up to 4.08% AER

Up to 4.08% AER

3.40% AER

3.40% AER

3.40% AER

3.40% AER

Interest

Monthly

Monthly

Quarterly

Quarterly

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Yearly

Yearly

Monthly/Annually

Annually

Annually

Minimum deposit

£1

£1

£0

£0

£0

£0

£0

£0

£1

£1

£1

£1

£50,000

£50,000

£1,000

£1,000

£1

£1

Withdrawal limits

None

None

None

None

None

None

None

None

None

None

None

None

None

None

Minimum of £500

Minimum of £500

None

None

Business current account integration

Yes

Yes

No

No

No

No

Yes

Yes

No

No

Yes

Yes

Yes

Yes

No

No

No

No

The rates compared are all the best variable rates offered in the instant access business savings accounts | Valid as of 11/05/2026

Open a savings account

Open a business savings account in 3 easy steps

You can open a Tide instant access savings account by opening a Tide Business Account or connecting a pre-existing external business bank account in minutes.

  1. Download the Tide app

  2. Open a free business bank account or connect an external business account

  3. Complete the application and start saving

Open a savings account

Your money is in safe hands with a Tide business savings account

At Tide, deposits of up to £120,000 are protected by the Financial Services Compensation Scheme (FSCS) across all ClearBank accounts.

Limited companies can claim up to £120,000 separately for business and personal finances. Whereas sole traders have a combined limit of £120,000 across both types of accounts.

Benefits of having a business savings account

A business savings account helps your savings work harder, whether for emergencies, taxes, or future projects.

With Tide’s instant access savings account, your money can earn interest and remain accessible whenever needed.

For limited companies, separating business and personal finances is legally required, making personal savings accounts unsuitable. A business savings account ensures you comply while benefiting from competitive interest rates to grow your money.

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Am I eligible for a business savings account?

Setting up a company savings account with Tide is quick and easy. Open a business current account via the Tide app and get access to the Tide Instant Saver automatically.

You must be over 18

Have a UK-based business

Show valid photo ID

Upload a selfie photo

Open a savings account

Learn more about business savings

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Introduction to Savings Boost Summary Box

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: 11th May 2026

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.

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