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Make a payment with your Tide account

In this page, we walk you through how to make payments with your Tide account.

Discover how to:

  • Make a payment via mobile and on the web

  • Add a Payment Confirmation

  • Make a Direct Debit payment (and cancel your Mandate)

  • Understand our payment processing timeframe and fees

Payments made simple

You can make payments as:

One-off transfers

Simple bank payments made through your app

Scheduled payments

Future-dated transfers or standing orders

Direct Debits

Bank payments that repeat in the future, such as monthly bills

EUR via SEPA

SEPA is The Single Euro Payments Area

USD via ACH

ACH is Аutomated Clearing House

All GBP transfers sent from your Tide account are made as Faster Payments.

Make a payment via mobile

Make a payment via mobile

Here's the quickest way to make a payment. In your app, tap:

  1. Accounts > Send > Make a payment

  2. Select either the recipient from the list or tap Pay someone new

  3. Enter the amount in GBP. You can also add a reference for the transaction or future-date it with Schedule payments > Next

  4. Select the payment category (ie. staff costs, fuel, etc.) > Save

  5. Review, confirm, and authorise the payment

Make a payment on the web

Make a payment on the web

You can also start making your payments on the web. Click:

  1. Accounts > Domestic Payments

  2. Enter the recipient name and amount. You can also add a transaction reference, schedule it, enter a frequency of how often to send the payment, or add a payment date

  3. Submit payment > approve your payment in your app via Send Money

Is your expected payment missing?

Is your expected payment missing?

Check back with the sender, who should ask their bank to initiate a trace. This bank trace could help them find all domestic payment types, including Faster Payments and CHAPS In.

Keep in mind that the payment will be rejected and returned to the sender's bank if it:

  • Is missing a sort code

  • Has a generic ClearBank BIC

  • Contains an incorrect IBAN

Add a Payment Confirmation

Add a Payment Confirmation

Payment Confirmation is

Also known as a ‘proof of payment’, this document provides evidence that your payment has been sent or received. You can send it for your:

  • Card payments

  • UK bank transfers

  • Bank transfers between Tide accounts

  • Direct debits

  • Cash withdrawals

  • SEPA payments

Provide a Payment Confirmation

In your app or on the web:

  • Accounts > select the payment you'd like to share confirmation of > Payment Confirmation > download the document or share it as a PDF file

Make a Direct Debit payment

Make a Direct Debit payment

You can set up and pay by Direct Debit with your Tide account.

  1. Speak to the payee and fill in a Direct Debit Mandate*

  2. If you need to provide the address of your banking provider to the payee, in your app tap: Accounts > Send > Recurring payments > Direct Debits

  3. Your Direct Debit Mandate will automatically allow your payee to collect a payment when it’s due

  4. The payee will send the filled form to ClearBank and start collecting the payment on the agreed date

* If you’ve filled in a Direct Debit Mandate and it hasn’t been set up, please reach out to the payee for further assistance.

Direct debit processing

Direct debit processing

It can take up to 5 business days for a Direct Debit to be scheduled.

Direct Debit payments are usually collected from 3am on the due date - on weekdays, excluding bank holidays. If the due date falls on a weekend or a bank holiday, the payment will be collected on the next business day.

You need to make sure that you have enough money in your Tide Business Account the day before your Direct Debit is due.

Before the first payment, the payee should send you a Direct Debit Advance Notice, to confirm the amount and collection date.

After that, you’ll receive a notification in your app as a reminder that Direct Debit of £X to [Merchant] is scheduled and will go out in 24 hours. We'll also notify you know if there have have been changes to the amount, due date or payment frequency.

Cancelling your Direct Debit Mandate

Do so in your Tide app by tapping:

  • Accounts > Send > Recurring payments > Direct Debits > select a payment > Cancel Direct Debit

If the payee continues to collect Direct Debit payments after you’ve cancelled the mandate, you’ll be entitled to ask for a refund within 24 hours of the Direct Debit collection.

To do this, in your app tap the Support icon in the top-right. In such cases, make sure to cancel the Direct Debit Mandate through the Tide app right away.

You need to request the cancellation at least 24 hours before the payment due date, and tell the payee about the change.

Good-to-know about making payments

Good-to-know about making payments

Processing your payment

Transfers and future-dated payments from your Tide account are sent as Faster Payments.

If you set up a transfer, the payment should arrive in your payee's account within minutes. This will depend on where you're sending the money. Some banks can take two hours or more to process Faster Payments so it might take up to four hours to arrive with your payee.

If you've set up a transfer and it still hasn't arrived after four hours, message us and we'll do our best to help. In the app, go to Support to send us a message.

Good to know: Tide to Tide transfers are instant.

Payment fees

 
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Lite
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Smart
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Pro
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Max

Free transactions per month

cancel

25

Unlimited*

Unlimited*

Inbound Faster Payments, BACS, and CHAPS

20p

25 free, then 20p per transaction

Free*

Free*

Outbound Faster Payment, Direct debit

20p

25 free, then 20p per transaction

Free*

Free*

Inbound and outbound international payments

FX fee

20p and 1,5% to the FX Rate

25 with 0.5% FX fee, then 20p + 0.5% FX fee per transaction

0,5 % FX fee

0,5 % FX fee

Inbound SWIFT payments

£1 for less than £100 transactions, £5 for £100 and above transactions

25 free, otherwise same as Lite fee

Free

Free

* Unlimited or free transfers in pounds sterling are subject to our fair use policy

Why did we pause your payment to a business we don’t support?

As part of our commitment to the security of all Tide members, there are certain business types we are unable to service.

This is because each business that joins Tide carries a certain level of risk, and we carefully control this through our acceptance criteria to ensure the safety of our members.

If the business you try to pay is outside of this criteria, we are unable to process your payment.

The business could be outside of this criteria for a number of reasons.

Most often this is because it operates in an industry we are unable to support, such as gambling.

It could also be because the business is funded fully or in part by donations, which creates a higher level of risk as we are unable to verify the source of these finances.

You can find our full list of acceptance criteria here.