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EXPENSE CARDS

Business expenses made simple

Save time on your expense admin. Manage your company expenses all in one place. Empower your team to scan and upload their own receipts. Track your business spend all in the Tide app.

Open a Tide Business account and order Expense Cards in-app

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Business expenses made easy

Tide Expense Cards are our company Mastercards for your business current account. From sole trader to limited company expenses, enjoy the smart way to manage your business purchases.

Give flexibility to your team

Order a Tide Expense Card for up to 50 people per account for just £5 per seat. Each seat includes 1 physical and up to 5 virtual cards.

Keep business expenses in check

Set individual spend limits per card to help you manage costs

Eliminate form-filling

No more expense claims – your team can scan and upload multiple receipts at once

Minimise finance admin

See all transactions itemised by both person and spend category

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Your all-in-one expenses solution

Protect and manage access

Tide Expense cards give your team flexibility for easy expenses, yet are secure too. Manage all your team’s cards directly in the Tide app.

  • Freeze cards

  • Cancel cards

  • Order replacement cards

Set spending limits

Keep a rein on expenses by setting spending limits for each team member. Or opt for no limit at all in the Tide app.

  • Set up monthly spending limits

  • Create individual limits for each team member

  • Change or remove limits in an instant

Scan and upload receipts

Swap paper expense claims for a smart expense solution. View transactions and receipts in real-time to keep track of costs. Both you and your team members can:

  • Upload receipts as you go

  • Add notes to transactions

  • Auto-match receipts to transactions

Transactions categorised automatically

Tide’s accounting categories will automatically label all your transactions, helping you to stay on track of spending.

  • Upload receipts as you go

  • Add notes to transactions

  • Auto-match receipts to transactions

Track company expenses at a glance

View your team’s spend all in one place. Keep a hold on business expenses by seeing who has spent what.

  • Simplify your business accounting

  • Sync with your accounting software

  • No need for manual calculations

Open an account

Set spending limits on your company expense cards

Integrate Tide Expense Cards with your accountancy software

Find out how to integrate your Tide account with your accounting software.

Get the smart solution for your business expenses

Here at Tide, our mission is to save small businesses time and money on their finance admin.

Our company Expense Cards provide an all-in-one expense management solution. Say goodbye to receipts and make paper expense claims a thing of the past. Empower your team with individual spend limits, track spend at a glance and sync with your accounting software. All designed to help you get on with running your business.

Jenna HillDirector at Chill Gas Ltd | London, UK

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

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. 

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.

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

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.

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

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.

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.

Help, my question isn’t answered here

Find answers to all our most frequently asked questions about Expense Cards

A guide to spend management and best practices

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