Keep track of your expenses with Budgets

Use Budgets to organise your finances – set money aside from your main Tide account into separate "pots" with their very own balance.

This guide shows you how to:

Set up your Budgets

Manage your Budgets

Anyone can use Budgets

Admin, use it to:

Stay in control – create Budgets to keep track of your expenses

Save money – set an overall or per transaction limits for your Budgets

Budget for your team members – link individual team members' virtual cards to your Budgets

Team members, use it to:

Plan your expenses – you'll see your virtual card spending limit

Admin, set up your Budgets

Using Budgets is free* and you can create up to 3 Budgets.

*Fees may apply to new virtual cards you issue for your team members. Budgets don't contribute to your additional accounts allowance.

Step 1: Create your Budgets

In your app, you'll need to tap:

Accounts tab > All Accounts

+ Add account > Budget account

Choose a nickname and icon

Finish setup*

* You can skip steps 2 and 3 by tapping Not now. When you’re ready to complete your setup, tap Accounts > Budget account.

Step 3: Link your team members’ virtual cards to your Budgets

Now that you have your limits in place, it's time to add your team members' virtual cards to your Budgets. Within the same setup screen as limits, tap:

Under Team Cards > Linked to this spending account

Under Link a Team member

Add new team member OR Select from an existing team member

Once you have set your limits and added your team members, tap Save changes.

Use virtual cards with your Budgets

Your Budgets track payments made with your virtual cards – or those non-physical cards you use for online payments or with your digital wallets (Apple Pay and Google Pay).

To start monitoring your payments, you'll need to order a brand new virtual card for yourself, a new or an existing team member and link them to your Budget account. Here's how:

Issue a virtual card for yourself

In your app:

Tap Budget account > Cards

Order >Virtual card

Customise the card > enter personal details

Set the spending limit

Link to your Budget account

Issue a virtual card for a new or an existing team member

In your app:

Tap Admin > Products

View all > Team Cards

Select a team member > issue a virtual card

Link it to an existing Budget or create a new one

View your linked cards

To see your cards:

Tap Accounts

Budget account

Cards

Visit this Help Centre page to find out more about your team's virtual cards and fees.

Manage your Budgets

Your Budget account is like a digital ledger – you can’t spend any money or make payments with it. That's why you'll need to use your main Tide account for any deposits or withdrawals.

Add or withdraw money from your Budget

In your app, you'll simply need to:

Tap Accounts

Budget account

+ Deposit OR - Withdraw

Select from main Tide account to Budget account name

Enter the amount in £ > Confirm

View your Budget account transactions

Accounts

Budget account

Activity > View all

Select individual transactions to categorise them or add their receipts, tags, and your notes.

Closing your Budgets

Download your account statements

Tap Budgets > Select a Budget > Statements and Documents > Account statement

Cancel all virtual cards linked to your Budget account

Tap Cards > find your virtual card > Cancel without replacing

Delete your Budgets*

Tap Budget account > Edit Budget account details > Close Budget account

Your remaining money will automatically move back to your main Tide account

*This step is permanent and you won't be able to recover your past Budget account transaction history, so make sure you download your statements beforehand.