Question 1

How much do Team Expense Cards cost?

Accepted Answer

Each Tide Team Expense Card you order, costs just £5 (no VAT applies*) per calendar month. We’ll automatically take the fee from your Tide account, on the 2nd of each month, including for cards that haven’t yet been activated.

Depending on your plan, you could get one or more Seats for free:

On Smart, you’ll get 1 free seat
On Pro, you’ll get 2 free seats
On Max, you’ll get 3 free seats

All card transactions in GBP (home and abroad) are free, but currency exchange fees may apply to payments in foreign currencies:

If you’re on our Free plan, we’ll charge you 2.75% currency exchange fee, for non- GBP card transactions, as well as for GBP transactions made outside of the UK. If you’re on a Smart, Pro or Max plan, we won’t charge you this fee.

When your team members withdraw money at an ATM, our standard £1 for cash withdrawals will apply, in addition to the currency exchange fee. Some ATMs may charge a separate fee too, for using the machine.

Please see our Tide Terms for full details.

* From 01 October, VAT no longer applies to our Team Expense Cards, Tide Instant Saver Boost, Construction Cashback Boost, and our Paid Plans – so it won’t be charged. However you might continue to see it in-app and on the web by 01 November.

Question 2

How many Team Expense Cards can I apply for?

Accepted Answer

As an Admin, you can hold a total of 35 active cards per account at a time.

Your Team Members can hold a maximum of 6 Expense Cards per any of your businesses.

If you have your Tide Expense Cards linked to additional accounts, these count towards the overall account maximum.

Question 3

Am I eligible for Tide Expense Cards?

Accepted Answer

If you’re already with us, you’re eligible to apply. 🙂

Question 4

How do I order Tide Expense Cards and give my Team Members access to the app?

Accepted Answer

You can order Team Expense Cards in the Tide app, by going to Pay > Cards > + Add card > Team Expense Cards.

Here, you can order a card for an existing Team Member, or enter the details of a new one.

We’ll email them an invitation link to the app, and they’ll have to pass onboarding checks before we can issue their Expense Card. The link in the email will expire in 48 hours.

Important: If your Team Member hasn’t received the invitation email, the link isn’t working or it’s expired, you’ll have to send another email with a new link.

Tap your initials in the top-left corner of the app > Profile and Settings > Manage Team > select your Team Member > Send a new Tide invite > Send invite.

If they pass onboarding checks, they’ll be able to log in to the app.

We'll deliver the Team Expense Card to your trading address within a week.

Anyone with a Tide account is eligible for Team Expense Cards.

Question 5

Will my team be able to spend more with the Expenses app?

Accepted Answer

No – they’ll still only be able to spend within the monthly spend limit you’ve set.

Question 6

What can my Team Members do if I choose to give them access to the app?

Accepted Answer

If you decide to give a team member access to the app, they can:

see company details like the trading name, address, and VAT number
view, freeze and reorder cards
add cards to digital wallets - if they’ve updated the app to v3.77 or later
view and change their card PIN
see and approve their own transactions
add receipts, attachments, tags, categories and references in the ‘view access’ panel

You can share Read-Only access with your team, so that they can also view all other account transactions.

Team Members with app access can’t see the account balance or make transfers.

As a security measure, you can’t see your Team Members’ Expense Card PIN codes.

Question 7

Can I order an Expense Card for myself?

Accepted Answer

Tide Expense Cards are intended for your team members. For any business purchases you’d like to make yourself, you can use the Tide card you received when you opened an account with us.

EXPENSE CARDS

Business expenses made simple

Business expenses made easy

Give flexibility to your team

Keep business expenses in check

Eliminate form-filling

Minimise finance admin

Your all-in-one expenses solution

Protect and manage access

Set spending limits

Scan and upload receipts

Transactions categorised automatically

Track company expenses at a glance

Set spending limits on your company expense cards

Integrate Tide Expense Cards with your accountancy software

Get the smart solution for your business expenses

Expense Cards allow our staff the autonomy to continue their work without needing us there to approve payments. It gives us more time to focus on making money, rather than back-office tasks.

Expense Cards FAQs

How much do Team Expense Cards cost?

How many Team Expense Cards can I apply for?

Am I eligible for Tide Expense Cards?

How do I order Tide Expense Cards and give my Team Members access to the app?

Will my team be able to spend more with the Expenses app?

What can my Team Members do if I choose to give them access to the app?

Can I order an Expense Card for myself?

A guide to spend management and best practices

3 top tips to keeping track of small business expenses

A guide to spend management and best practices

Expenses: what they are and how small businesses can manage them

A business bank account that's free and easy to open