The stated effective yield is variable. As of June 19, 2026, the base interest rate is 1.25% p.a. For Smart Plan members, the yield is 1.75% p.a. and is structured as follows:
1.25% p.a. base interest (paid by Adyen N.V.) and a 0.5% p.a. bonus (paid by Tide Platform S.A.). This bonus is tied to an active Smart membership.
The interest rate for your Tide instant-access savings account (Tagesgeldkonto) is variable. It is pegged to the Euro Short-Term Rate (€STR) published by the European Central Bank, minus a percentage determined by Tide. This means the interest rate may rise or fall depending on market conditions.
How you will be notified: We will always inform you in advance via push notification about any upcoming changes to the interest rate.
This gives you the opportunity to review the update and decide whether you want to keep your funds in your Tide instant-access savings account or make any changes.
You retain full control over your money at all times and can transfer it back to your Tide business account if the interest rate no longer meets your requirements.
