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Get more done with a Paid Plan

If you’ve just upgraded to a Tide Paid Plan or are thinking about it, you’re in the right place. We’re here to make sure you get the most out of your experience.

This guide shows you how to:

🔗 Upgrade your Tide plan

🔗 Make full use of your Paid Plan

🔗 Get legal help

🔗 Understand your Paid Plan fees

Get to know your Tide Paid Plan

 
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Smart
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Pro
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Max

Monthly fee

£12.49

£12.49

£24.99

£24.99

£69.99

£69.99

Inbound and outbound UK transfers

30 free per month*

Unlimited, free**

Unlimited, free**

A stylish, matte black card

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Fees on foreign currency card transactions or ATM withdrawals

0%

0%

0%

0%

0%

0%

Additional Business Current Account

1

1

2

2

3

3

Cashback on all eligible card purchases

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0.5%

0.5%

Team Member with enhanced Team Access

1

1

2

2

5

5

Team Expense Cards seats

1 free seat

1 free seat

2 free seats

2 free seats

3 free seats

3 free seats

Preferential savings rate in Tide Instant Saver

2.78% variable AER***

Up to 3.29% variable AER***

Up to 3.60% variable AER***

Tide Instant Saver Boost for even more interest

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Tide Accounting

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Admin Extra

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Credit Score Insights

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Enhanced rewards

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Priority in-app chat support

24/7

24/7

24/7

24/7

24/7

24/7

Phone support

9am - 6pm (Monday to Friday, excluding bank holidays)

9am - 6pm (Monday to Friday, excluding bank holidays)

7 am - 7 pm (Monday to Friday), 9 am - 1 pm (Saturday), Priority callbacks (Sunday)

Legal helpline access

24/7

24/7

24/7

24/7

24/7

24/7

Priority callbacks on weekends

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Dedicated member support

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* Up to 30 free transfers per month on the Smart plan, pro-rated when you join or change plans

** Subject to Tide's fair use policy

*** Check out the Summary Box for each plan to fully understand how interest rates work and how they apply to your Instant Saver balances: Smart, Pro, and Max.

Important: Rates shown are correct as of 07 August 2025. Interest rates are subject to change, and some benefits are subject to eligibility.

Upgrade your Tide plan

If you have multiple businesses, you can upgrade the account connected to each one individually.

Through your app

  1. Tap Upgrade in the top-left corner of your app and select your new plan

  2. Choose whether you'd like to pay monthly or annually

  3. Read and agree to the Terms and Conditions and confirm

Through Tide on the web

  1. Tap Tools & Services > Memberships > Upgrade

  2. Choose whether you’d like to pay monthly or annually

  3. Read and agree to the Terms and Conditions and confirm

Make full use of your Paid Plan

Make full use of your Paid Plan

Choose your black card

If you upgrade to a paid plan, you can keep your current blue card or replace it with a stylish matte black card:

  1. Tap Upgrade in the top-left corner of your app

  2. Select your new plan

  3. Tap New black card please 

We'll deliver it to your trading address within 3 to 5 working days, though you'll have access to it in your app straight away. Your subscriptions will be upgraded to your new card automatically.

Once your physical card arrives, perform a Chip and PIN transaction to activate it for contactless payments. This will cancel your old card.

Order your Expense Cards

  1. Go to Accounts and tap Cards > Team Expense Cards

  2. Enter your team member's details

  3. Select which account you'd like to link to the Expense Card

If your team member passes our security checks, we’ll send the card to your trading address within a week.

Your priority in-app and phone support

Access your in-app support:

  1. Tap the Support icon in the top-right of your app

  2. You can start a chat with our team by tapping Messages or call us*

The times you can call us depend on your plan:

  • Smart or Pro plan: 9am to 6pm on weekdays (excluding bank holidays)

  • Max plan: 7 am to 7 pm on weekdays, 9 am to 1 pm on Saturdays, and priority callbacks on Sundays

For your security, our phone support team will take a few minutes to verify your identity.

*Calls will be charged at your standard network rate.

Get legal support

Get legal support

Your legal helpline is available 24/7, 365 days a year.

  1. Tap your initials in the top-left corner

  2. Tap Profile & Settings > Membership > Legal Help

Your legal support is provided by Irwin Mitchell LLP, who will help you with any general legal questions you may have, and they’ll specify the level of support over the phone.

Irwin Mitchell LLP are independent from Tide and provide impartial and confidential advice.

Understand your Paid Plan fees

Your first subscription payment is calculated pro-rata, so you only pay for the days left in that month.

After this, you'll pay the full monthly amount on the 1st of each month.

Your other fees, such as for Expense Cards not included in your plan, will be collected on the 1st as well.

If you're on a free trial and cancel

If you cancel before the end of your free trial, you'll pay nothing for it and keep your access to the end of your free trial period.

If you cancel after your free trial, but before the 1st of the month, you'll only pay pro-rata for the remainder of the month, and keep your access for this time.

If we can't collect your fees

If we can’t collect the fee because there isn’t enough money in your account, we’ll try again every day until the end of the month.

If we’re not able to collect the fees from your main Tide account during our billing cycle, you may go into a negative balance. During this time, you’ll keep access to your Tide subscriptions for a grace period of 90 days.

You can continue to take payments, which will be used to clear your balance. Any new payments you make may bring you further below zero and in some cases, payments may be rejected.

What happens if you go into a negative balance

We’ll remind you if your balance is low before we take payment, and notify you as soon as your balance goes negative.

While your balance is negative, you can still use your subscriptions. Your fees will continue to add up, and you won't be able to take out any new paid-for subscriptions.

If your balance stays negative for 3 consecutive months, we’ll downgrade your subscription and end your access. In some cases, this could happen sooner.

If your balance isn’t settled within a reasonable timeframe, we may recover unpaid fees. You won't pay any interest on fees not paid on your billing date.

Downgrading your Tide plan

Downgrading your Tide plan

Through your app

  1. Tap your initials in the top-left

  2. Tap Profile & settings > Membership

  3. Select your new plan and tap Explore [the plan name] plan

Through Tide on the web

  1. Click Tools & Services > Memberships

  2. Click Downgrade under your new plan

What happens when you downgrade

You'll remain on the plan until the end of that month. Your new plan will start at the beginning of the following month.

When you downgrade your plan, your black card and Expense Cards will remain active. You'll be charged for any Expense Cards you have that aren't included in your new plan.