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Tide Logo
Tide Logo
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How to receive international payments

How to get your account ready to accept international payments.

This guide shows you how to:

🔗 Receive money from abroad into your Tide account

🔗 Understand our fees and FX markup rates

Get your SWIFT details

  1. Tap Pay > select your account from stacked accounts

  2. Tap International account details > > wait for them to be enabled

  3. Select your currency

You'll only get one set of SWIFT account details. If you have more than one Tide account, these details will be linked to your primary Tide account.

Receive international payments into your account

Receive international payments into your account

Share your details with the person paying you

  1. Tap Pay > select your account from stacked accounts

  2. Tap International account details > select your currency

  3. Tap Share details to send your IBAN, Bank Identifier Code (BIC), and bank address

  4. The person paying you can then use these details to send you money from abroad

Processing the international payments you receive

If you’re receiving a payment sent to you via SWIFT, it will usually take a few minutes to arrive in your account.

Sometimes this may take up to 5 business days, as any money sent to you will need to pass our security checks.

The money will be automatically converted to GBP and will appear in your main account's balance.

Amounts you can receive

This depends on your Tide account limits. To view yours:

  1. Tap Pay > select your account from stacked accounts

  2. Tap Limits to see the limit on what you can receive

Not receiving your international payment?

This could be because:

  • They'll need to select the currency before sending the payment. If they send it in GBP, their bank may charge them additional fees

  • If a payment takes longer to arrive, you should request a Proof of Payment from the sender. They can get this from their bank. When they share the Proof of Payment with you, tap the Support icon in the top-right of your app so our team can look into it for you

  • All international payments are subject to eligibility criteria. The eligibility criteria is set internally between ourselves and our partner, and we’re not able to disclose this for security reasons

See your statements

See your statements

Your SWIFT payments are processed through a separate license to your GBP payments.

You'll be able to see them on your monthly statement, and in a separate statement too.

  1. Tap Pay > select your account from stacked accounts

  2. Tap Statements and documents > SWIFT statements

International fees

Your SWIFT transactions are subject to a fee (based on your Tide plan), the interbank exchange rate on the day, and a FX markup.

We collect the fees during payment processing. You'll see them listed in the confirmation screen (when making a payment) and under the transaction details (when receiving a payment).

 
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Free
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Smart
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Pro
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Max

SWIFT payment

£10 each

£10 each

£7.50 each

£7.50 each

£5 each

£5 each

£3 each

£3 each

SWIFT FX fee

1.50%

1.50%

1.25%

1.25%

0.75%

0.75%

0.50%

0.50%

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Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.