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

Open an account

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.

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Give flexibility to your team

Order a Tide Expense Card for up to 50 people per account for just £5 + VAT per card

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Keep business expenses in check

Set individual spend limits per card to help you manage costs

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Eliminate form-filling

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

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Minimise finance admin

See all transactions itemised by both person and spend category

Open an account

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 and cancel cards
  • View and manage PINs
  • Order replacement cards
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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
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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
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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
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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
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Open an account

Set spending limits on your company expense cards

Here's how to set up spending limits for your team in an instant.

Integrate Tide Expense Cards with your accountancy 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.

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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.

Jenna Hill
Director at Chill Gas Ltd | London, UK

Expense Cards FAQs

Does my team have to use the Expenses app?

No – however, we recommend that they do. From July 2023, in order for your team to make online purchases of £30 or more, they’ll need to download the Expenses app.

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

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

With the Expenses app, will my team get access to my bank account and be able to see all my data?

No – your team will only be able to view their own transactions, spend limit and receipts.

Why am I still being asked to verify payments for my team members' online purchases on their Expense Card?

We’ve now rolled out our new Expenses app, which allows your team to verify their own online purchases. However, you’ll continue to receive the verify payment prompt until your team member approves the payment in their app. Please make sure your team members know how to approve their own online expenses while you continue to do what you do best.

My team member has left the company, how do I revoke their access?

You can revoke access from their Expense Cards team member profile at any time within the app. Go to Expense Cards > More where you will see a list of all your team members.  Click into the name of the member who has left and you will then be able to revoke their access.

Can I order an Expense Card for myself?

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.

Can I edit my team members' spending limit as a one-off within the month?

Unfortunately not.  The way this works at the moment, you would need to edit your team members’ spending limit for one month and remember to change it back for the next month.

How can I change my team members' monthly spending limit?

In your Tide app, tap More > Expense Cards and select the name of the team member whose limits you want to change. From here, you can also set enhanced spend control for your team by limiting online payments, gambling payments and ATM withdrawals. You can do this any time and as many times as you like. If your team member makes a purchase that goes against the limits you’ve set, their transaction will be declined.

How do I order Tide Expense Cards?

You can order company expense cards in the Tide app.

  • Go to More > Expense Cards
  • Enter your team member’s details
  • Select the account(s) for which you want your team member to have an Expense Card

If your team member passes our security checks, the card will arrive at your trading address within a week.

How much do Expense Cards cost?

Tide Expense Cards, our company expenses cards, are £5+VAT per calendar month. You’ll be charged £5+VAT per month for every Expense Card you’ve ordered (whether you activate it or not).

The fee is taken automatically from your Tide account on the fourth of each month.

Depending on your membership, you could get one or more Expense Cards for free. On Plus you’ll get 1 free, on Pro you’ll get 2 free and on Cashback or Premium, you’ll get 3 free.

Please see our Tide Terms for full details.

 

Am I eligible for Tide Expense Cards?

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

How many Expense Cards can I apply for?

You can order up to 50 Expense Cards per account.

If you have your Expense Cards linked to sub-accounts, these count towards the overall account maximum of 50.

If you have more than one Tide account, you can have a maximum of 50 Expense Cards for each account.

How do I activate and manage Tide Expense Cards?

You can activate, manage and cancel your team’s expense cards in the Tide app. Go to More > Expense Cards

Why can’t I see Expense Cards in my More menu?

If you can’t see the Expense Cards feature, go to the app store and check your Tide app is up-to-date.

Who can manage Tide Expense Cards?

The main account holder can manage all your Tide Expense Cards.

Expense Cards are a step towards building full team access. For now, team members can manage Expense Cards through the Tide app that belongs to the main account holder. Team members can also use the Tide Expenses app to view their own transactions and upload receipts.

The main user can fully manage access for the team – they can freeze and cancel cards, as well as share and view PIN codes. And, of course, they can see who’s spent what.

How do I freeze a Tide Expense Card?

The main account holder can freeze or unfreeze individual or all company expense cards.

  • Go to More > Expense Cards
  • Select a person from the list and then you can freeze or unfreeze their Expense Card

How do I cancel a Tide Expense Card? What happens when I cancel a card?

  • Go to More > Expense Cards
  • Select a person from the list and then cancel their Expense Card

When you cancel an expense Card, you’ll be charged £5+VAT per Expense Card on the 4th of the following month. Any Expense Cards ordered within the same month will be billed on the 4th of the following month (there will be no further payment after that). There’s no pro-rata fee refund when you cancel an Expense Card.

Remember, if you have Plus membership, 1 free Expense Card is included.
And if you have Cashback or Premium membership, 3 free Expense Cards are included.

Can my staff view their expenses?

Yes, your team members can view their own transactions and add receipts for any business purchases they make with their Expense Card.

To take full advantage of this feature, invite your team members to the Tide Expenses app.

  1. In your Tide app, tap More, then Expense Cards
  2. Select the team member’s name
  3. Tap ‘Grant access’ – your team member will receive an invitation to register and download the new app

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