Tide Logo
Tide Logo
Tide Logo
Tide Logo

How to track 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

Anyone can use Budgets

Admin, use it to

  • Stay in control by creating Budgets to keep track of your expenses

  • Save money by setting an overall or per transaction limits for your Budgets

  • Budget for your team members by linking to individual team members' virtual cards

Team members, use it to

  • Plan your expenses by seeing your virtual card spending limit

Admin, set up your Budgets

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

  1. Go to the Payments tab and tap All Accounts

  2. Tap + Add account > Budget account

  3. Choose a nickname and icon

  4. Tap Finish setup

Step 2: Enter your transaction limits

Step 2: Enter your transaction limits

Once you've created your Budget account, you'll be guided to set up your transaction limits.

  1. Enter your Overall spending limit by choosing the maximum amount that can be spent and and in what period (daily, weekly, or monthly)

  2. Tap Save limit

  3. Enter your Per transaction limit by choosing the maximum amount that can be spent per transaction

  4. Tap Save limit

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

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

You'll then be guided to link your cards:

  1. Under Team Cards tap Linked to this spending account

  2. Under Link a Team member tap Add new team member or Select from an existing team member

  3. Tap Save changes

Use virtual cards with your Budgets

Use virtual cards with your Budgets

Your Budgets track payments made with your virtual cards or your digital wallets (Apple Pay and Google Pay).

To start monitoring your payments, you'll need to order a brand new virtual card and link it to your Budget account.

Issue a virtual card for yourself

  1. Tap Budget account > Cards > Order > Virtual card

  2. Tap Customise the card and enter your personal details

  3. Set the spending limit

  4. Tap Link to your Budget account

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

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

  1. Tap Admin > Products > View all > Team Cards

  2. Select a team member and issue a virtual card

  3. Link it to an existing Budget or create a new one

Manage your Budgets

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:

  1. Tap Payments > Budget account > + Deposit or - Withdraw

  2. Select from main Tide account to Budget account name

  3. Enter the amount and tap Confirm

View your Budget account transactions

  1. Tap Payments > Budget account

  2. Tap Activity > View all

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