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BUSINESS BANK ACCOUNT

Open a Tide account for a chance to win a share of £5,000

Open a Tide business account for your chance to pitch live to CLIQ on 10th October 2025, and be in the running to win a share of £5,000 in startup capital.

The prizes up for grabs:

🥇 1st Place: £3,000

🥈 2nd Place: £1,500

🥉 3rd Place: £500

Simply open a Tide account between 1st August and 30th September 2025 and enter code F2FCLIQ when you sign up. If you do, you could be one of seven shortlisted founders invited to pitch to CLIQ at Tide HQ and showcase your business, with prizes sponsored by Tide.

Get the tools to run your business and a head start with funding to fuel your next stage. T&Cs apply - by submitting a competition entry you will be deemed to have accepted and be bound by them.

Open an account

Your personal data will be processed by Tide, in accordance with our Privacy Policy, for the purpose of delivering our standard account and related services, as well as validating your competition entry and organising this event. We will also share your details with CLIQ, who will shortlist eligible entrants and manage the competition process.

Everything you need from your free business bank account

Over 1 million limited company owners, sole traders and freelancers worldwide have chosen to open a business bank account with Tide. Join them today for free.

£0 /month

Only pay for what you use, with low transaction and ATM fees

Personalised invoicing

Create, send and track invoices from the Tide app to get paid faster

Business savings

Earn up to 4.5% AER variable on your capital with our Tide Instant Saver Account *T&Cs apply.

Simple accounting

Connect your accounting software and bank account for easy reporting

Safe and secure

24/7 account monitoring ensuring your money is safe and secure

24/7 support

Start a chat and get help in the app any time, 365 days a year

Open an account

Open a free business bank account in minutes

Getting started with Tide is easy

  1. Download the app On Play Store or Apple Store

  2. Tell us about your company What’s your company name and industry?

  3. Upload your ID and take a selfie We’ll securely verify who you are

  4. Get your current account approved in minutes We may ask for additional information if required

  5. You’re all set! Your account is ready to go – we’ll send your card in a couple of days

    Open an account

Our business bank account is packed with features to save you time and money

Payment Links

Send payment links in seconds for easy online card transactions.

Auto-categorisation

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

Virtual Cards

Pay for your online subscriptions and advertising expenses with our Virtual Cards, seamlessly connected to the Tide app.

Apple/Google Pay

Set-up Apple and Google Pay to make every payment a breeze.

International Payments

Access your IBAN number in the Tide app to send & receive international payments in a few taps.

CSV exports and more

Export your transactions in multiple formats or share with your accountant.

Open an account

The all-in-one platform for managing your business seamlessly

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

Tide Accounting

Make completing Self Assessments and VAT returns seamless with Tide Accounting.

 Learn more

Business Savings

Earn up to 4.5% AER* (variable) on your business savings

 Learn more

Tide Card Reader

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

 Learn more

Tide Payroll

Simple, reliable, HMRC-recognised payroll software designed to make payday hassle-free and fast.

Learn more

Our plans at a glance

Whether you’re just starting out, or want tools and features to save you time and help you grow, Tide has your business covered. Sign up for one of our paid plans today and get 1 month free*.

Free

£0.00MONTHLY

Open a free account
  • ❌ Unlimited free transfers
  • ✔️ International payments
  • ✔️ Up to 2.52% on savings
  • ❌ Enhanced team access
  • ❌ Phone support
  • ❌ Legal helpline
  • ❌ 0.5% cashback with your Tide card

Smart

£12.49MONTHLY

Smart account
  • ❌ Unlimited free transfers
  • ✔️ International payments
  • ✔️ Up to 3.04% on savings
  • ✔️ Enhanced team access
  • ✔️ Phone support
  • ✔️ Legal helpline
  • ❌ 0.5% cashback with your Tide card

Pro

£24.99MONTHLY

Pro account
  • ✔️ Unlimited free transfers
  • ✔️ International payments
  • ✔️ Up to 3.55% on savings
  • ✔️ Enhanced team access
  • ✔️ Phone support
  • ✔️ Legal helpline
  • ❌ 0.5% cashback with your Tide card

Max

£69.99 MONTHLY

Max account
  • ✔️ Unlimited free transfers
  • ✔️ International payments
  • ✔️ Up to 3.86% on savings
  • ��️ Enhanced team access
  • ✔️ Phone and dedicated member support
  • ✔️ Legal helpline
  • ✔️ 0.5% cashback with your Tide card
Open an account

Find out more about our plans on our pricing page. Whether you’re just starting out or scaling up, there’s a Tide account for you.  

Claire PedleyThe Poured Project

Once I’d filled in the application online, the account was active in about an hour. I can’t stress how easy Tide is to use.

Free business bank account FAQs

No, Tide isn’t a bank.

Tide is a business financial platform and the leading provider of digital business banking services in the UK. We are regulated by the Financial Conduct Authority (FCA) and offer e-money accounts, provided by PrePay Solutions (PPS), as well as business bank accounts, provided by ClearBank.

We believe that this model gives us the opportunity to provide a wider range of products and services to our members, helping them to save time (and money) on their financial admin.

Yes! However, you must have a UK residential address and phone number. Applicants who are not based in the UK may apply for a business bank account, as long as they are directors of a company registered with UK Companies House. In some cases, we may have to complete additional checks in order to process your application.

Don’t forget – you’ll need to switch your App or Google Play store to the UK to download Tide.

You can now digitally deposit cheques using the Tide app. You can’t deposit cheques at the bank or the Post Office. 

We only support cheques made out in GBP. Other currencies won’t be accepted. 

Just a heads up – you can only deposit your cheques if your sort code is 04-06-05.

See how to make a digital cheque deposit over on this page.

Help, my question isn’t answered here Find answers to all our most frequently asked questions about opening an account

Start your journey and open a business bank account today

Tide is about doing what you love. That’s why we’re trusted by 650,000+ sole traders, freelancers and limited companies throughout the UK.

 Open an account