Tide Logo
Tide Logo
Tide Logo
Tide Logo

SMALL BUSINESS ACCOUNTING

Smart, secure accounting straight from your Tide Account

Work smarter with Tide Accounting. Streamline your bookkeeping and breeze through tax season using our free, HMRC-recognised, and MTD-ready tools.

Open a Tide Account and do your accounting on your own terms. Stay compliant and grow at ease using the Tide app. Plus, get a free trial of Admin Extra for 2 months* on us.

Open an account

Existing customer? Log in to Tide. *T&Cs apply

Do your banking and accounting together

Finances are easy when you can manage them in one place – and with Tide’s business bank account, you can.

Manage tax season easily with free MTD-ready tools

Grow your business using insights and reports

Automate bookkeeping and daily admin

Open an account

Smarter banking starts now with Admin Extra from Tide.

Level-up your banking and accounting with a two-month free trial of Admin Extra. Simply open a Tide account to be eligible. Streamline business operations, get paid faster and submit taxes with ease — all from the Tide app. T&Cs apply.

Free Making Tax Digital tools

Stay compliant and file with confidence using Tide’s MTD-ready tax preparation toolkit.

  • Generate your Self Assessment form with tax estimates

  • Get a linked Tax Account to put money aside for payments

  • File your returns directly to HMRC via the Tide app

  • Auto-categorise and capture receipts for instant bookkeeping

  • Send up to 3 customisable invoices per month

Learn more

Drive better business decisions with clear cash flow and profit insights

Get ahead of cash shortfalls and rising costs with interactive charts that cover your cash flow, profits and expenses.

  • Understand what’s driving your costs and the source of your revenue – leverage the data to identify your next steps

  • Download financial reports in one click to inform your decisions, stay compliant and secure funding

  • Track overdue invoices and upcoming supplier bills to avoid cash flow disruptions

Estimate your tax bill and prepare ahead of tax deadlines

Avoid unexpected tax surprises and stay compliant with HMRC. Partner with your accountant if you need additional support.

  • Get Self Assessment and Corporation Tax estimates to know what you owe and avoid fines

  • Open a dedicated Tax Account and set aside money as you earn for stress-free filing

  • File Income Tax and VAT returns to HMRC using our Making Tax Digital tool via the Tide app

Automate bookkeeping and daily admin

Avoid falling behind in your bookkeeping with automations, real-time bookkeeping scores and to-do lists.

  • Auto-categorise income and expenses, including VAT and streamline your business’s daily admin

  • Speed through bookkeeping fixes – use bulk edit or tagging to make instant adjustments

  • Eliminate manual admin and time wasted on data transfers with a platform that brings everything under one roof

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Choose a tailored toolkit that suits the unique needs of your business

 
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£0.00/month for Sole Traders
£5.99 + VAT/month
£19.99 + VAT for Limited Companies £13.99 + VAT for Sole Traders
£24.99 + VAT for Limited Companies £17.99 + VAT for Sole Traders

TAXES

File VAT to HMRC

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Self Assessment form generator

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Tax estimates + deadlines

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Put money aside in a Tide Tax Account

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Making Tax Digital filings to HMRC

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BUSINESS INSIGHTS

Profitability, expenses and cash flow forecasting

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Financial reports

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BOOKKEEPING & ADMIN

Real-time reconciliation to Tide BCA

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Live bookkeeping score and task list

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Categorise transactions in bulk

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Auto-categorisation of income and expenses

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Give user-access to your accountant

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Connect your external bank accounts

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INVOICING

Send customised invoices

3/month

3/month

Unlimited

Unlimited

3/month

3/month

Unlimited

Unlimited

Auto-chasing and auto-matching invoices

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Premium templates and cloning

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Send payment receipts

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Get the most out of your Tide Account with free invoicing and finance management tools

Get paid faster and boost your cash flow

Send professional invoices and quotes to your customers as soon as you finish the job, and get paid on time.

  • Send 3 invoices or quotes per month using our professional templates

  • Match incoming payments to invoices and add Payment Links to get paid instantly

  • Prioritise and plan future payments to maintain a healthy cash flow

Open an account

Charlotte Davitt-MillsShotley Vineyard

Tide Accounting is very, very useful for helping us run the business — we can see our day-to-day cash flow as well, meaning we don't have to worry about it, because it’s taken care of.

Learn more about Making Tax Digital

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Tide Accounting FAQs

Yes, if you already have a Tide business bank account, you can use Tide Accounting.

In the app, go to ‘Admin’ > ‘Accounting’ > ‘Explore Tide Accounting’, and choose the accounting service that’s best for your business. We’ll ask you some questions about your current accounting setup, before you can access these benefits.

You can read more about our accounting add-ons here.

We offer 2 types accounting add-ons:

  1. Tide Accounting, which comes with all of our standard accounting features, costs £13.99 + VAT per month for sole traders, and £19.99+VAT for limited companies

  2. Admin Extra is a bundle that combines Tide Accounting and Invoice Assistant, costs £17.99 for sole traders and £24.99 + VAT per month * Invoice Assistant is available separately, too, and costs just £5.99 + VAT per month.

Sole Traders and Directors of a Limited Company can use Tide Accounting. 

To use Tide Accounting for Self Assessment, you must be a Sole Trader who is not using the construction industry scheme. 

To use Tide Accounting for submitting your VAT return, you must be a VAT registered business and not using the VAT Flat Rate Scheme.

When you add a category to your transactions, Tide Accounting automatically matches these categories to HMRC’s self assessment SA103 Business Income and Business Expenses categories. This means your Self Assessment estimate is based on your Tide bank account transactions, plus any other transactions you’ve added manually to the estimate. You can connect your business bank accounts from other providers, as well as your Tide accounts, to Tide’s accounting add-ons. This will allow you to view and manage all your accounting and transactions in one place. Read more about the accounting add-ons we offer here.

Tide Accounting automatically calculates VAT based on the VAT rate added to your transactions, invoices, or bills. The VAT liability depends on your VAT scheme.

Cash VAT Scheme

You pay VAT to HMRC when you receive payments from customers, and reclaim VAT when you pay suppliers. Your VAT liability will be calculated based on transactions only, and not on invoices.

Standard VAT Scheme 

Your VAT liability is based on invoices & transactions. You pay VAT when you issue an invoice and reclaim it when you receive an invoice from a supplier, regardless of when the payment is made. If there is no invoice for a payment that includes VAT, this payment will still be included in your VAT report – contributing to your VAT liability or reclaim.

It's mandatory to match all invoices to the respective transactions, to ensure correct reporting.

Help, my question isn’t answered here…

Find answers to all our most frequently asked questions about Tide accounting

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.