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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.

In this guide, find out:

  • What's included in your plan

  • How you can manage it

  • All the benefits it comes along with a Tide Paid Plan

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

£24.99

£69.99

Inbound and outbound UK transfers

25 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%

Additional Business Current Account

1

2

3

Cashback on all eligible card purchases

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0.5%

Team Member with enhanced Team Access

1

2

5

Free Expense Card(-s)

1

2

3

Preferential savings rate in Tide Instant Saver

3.04% variable AER**

Up to 3.55%variable AER**

Up to 3.86% 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

Phone support - weekdays (excluding bank holidays)

9am - 6pm

9am - 6pm

9am - 6pm

Legal helpline access

24/7

24/7

24/7

Priority callbacks on weekends

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Dedicated member support

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* 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

You can upgrade your plan through your Tide app by tapping:

  • Upgrade in the top-left corner of your app > select your new plan > choose whether you'd like to pay for it on a monthly or yearly basis > read and agree to the Terms and Conditions > confirm the upgrade

You can also upgrade on the web, by logging into your Tide account and clicking:

  • Tools & Services > Memberships > Upgrade > choose whether you’d like to pay monthly or annually > read and agree to the Terms and Conditions > confirm the upgrade

If you're a multi-business member, each business should be upgraded individually.

Make full use of your Paid Plan

Your black card

When you upgrade your plan, we automatically start printing and shipping your stylish matte black card. We'll deliver it to your trading address within 3 to 5 working days.

Meanwhile, you can continue to use your blue card – it'll remain active until you receive and activate your new one. After you've activated it, your subscriptions will be automatically updated with the new details.

Your Expense Cards

Order Expense Cards for your team members in app.

  • Go to Accounts > Cards > Team Expense Cards > enter your team member's details > select the account you'd like to link the Expense Card to.

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

Your free transfer allowance

You get unlimited, free, inbound and outbound transfers (subject to Tide's fair use policy) in pounds sterling with Direct Debit or Faster Payments.

You can also receive payments in pounds sterling with CHAPS and BACS.

Your priority in-app and phone support

Send us a message in the app and you’ll automatically be put through to the right team to answer your question, depending on which plan you’re on. To reach us, tap the Support icon in the top-right of your app.

You can call us* from the Support section of the app. Phone support is available from 9am to 6pm on weekdays (excluding bank holidays).

For your security, our phone support team will take a few minutes to verify your identity – just like high street banks do.

*Calls will be charged at your standard network rate.

Get legal help

Get legal help

We have a financial arrangement with Irwin Mitchell LLP who provide a legal helpline to our members.

Trained personnel from Irwin Mitchell LLP will help 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.

The legal helpline is available 24/7 365 days a year. To get in the touch with them:

  • In the app, tap: your initials in the top-left corner > Profile & Settings > Membership > Legal Help

Understand your Paid Plan fees

Your Paid Plan fees will be calculated pro-rata. Here's an example of how pro-rata works in practice.

Say you upgrade your plan on the 16th – you’ll only pay for the days remaining in that month. From the following month, we’ll collect the full amount.

After that, it's important to know that our billing cycle runs from the 1st to the last day of each month, and payments are collected on the 1st.

Keep in mind that 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

❌ When a fee can’t be collected, we may keep your subscription active temporarily or apply a plan change. We’ll let you know what applies to your account

❌ There are transactional fees (ie. transfer fees) due on top of your paid plan – we’ll ask you to pay them later in the month

Enjoy our core products VAT-free from 1 October 2025

Starting on 1 October, we'll no longer charge you VAT for the following products:

  • Paid plans – Smart, Pro, Max

  • Boosts – Tide Instant Saver Boosts, Construction Cashback Boost

  • Team Cards

This update follows a review by HMRC, where they granted us VAT-exempt status for some of our core products.

Please note that past VAT payments prior to 1 October 2025 are non refundable.

Why am I seeing VAT applied to my plan in my app?

Once HMRC confirmed that VAT will be removed, we passed this benefit on to you straight away and communicated this change via email. 

If you notice that some parts of the of the app, website, or Terms and Condition still show VAT being charged, don’t worry – we’re updating that by 1 November 2025.

Rest assured that if you buy a paid plan or any of the products we mentioned above after 1 October 2025, no VAT will be applied.

My balance is low at the moment – will I lose access to my subscription?

My balance is low at the moment – will I lose access to my subscription?

Кeep your Tide subscriptions – like your paid plan, add-ons, boosts or tools – active, even when your balance is temporarily low. This applies to your Tide paid plan, Be Online, Accounting, Payroll, Credit Score Insights, Construction Cashback Boost, Tide Instant Saver Boost, or Next Day Settlement.

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.

Here's what happens when you go into a negative balance:

  • We’ll remind you if your balance is low before we take payment. We’ll continue to bill you at the start of each month

  • We’ll notify you as soon as your balance goes negative, so you can add funds

  • If your account shows a negative balance, any subscription you have will usually continue for up to 3 months

  • During this time, your existing Tide monthly subscription fees will start adding up. If you'd like to avoid accruing further fees, you can cancel your subscription in your app

  • 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

  • Just so you know, while you’re in negative balance, you won’t be able to take out any new paid-for subscriptions

If your balance stays negative after the grace period, we’ll downgrade your Tide subscriptions and you’ll lose access. To reactivate them, you'll need to bring your balance to zero or above.

Keep in mind that a negative balance isn't an overdraft. We won't charge you interest or extra fees when you go into negative balance.

If you don’t have enough money to cover external subscriptions, the payment will simply be rejected and you won’t go into negative balance.

Downgrade your Tide plan

Downgrade your Tide plan

When you downgrade your plan, your black card and Expense Cards* will remain active.

  • In the app, tap: your initials in the top-left > Profile & settings > Membership > select your new plan > Explore (the plan name) plan

  • On the web, click: Tools & Services > Memberships > Downgrade under your new plan

After downgrading, you'll remain on the plan until the end of that month. Your new plan will start at the beginning of the following month.

* If downgrade to our Free plan, we'll start charging you for your Expense Cards, as they're not included in it. We’ll take this payment on the 1st of the month in which your downgrade took effect.