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Make easy, secure payments

Learn how to make, prove and troubleshoot payments through your Tide account.

This guide shows you how to:

🔗 Make a payment via mobile

🔗 Make a payment on the web

🔗 Add a Payment Confirmation

🔗 Understand our payment processing timeframe and fees

Your available payments

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

Make a payment

Make a payment

Transfers and future-dated payments from your Tide account are sent as Faster Payments. They should arrive in your payee's account within minutes, but can take up to 4 hours.

Via your app

  1. Tap Accounts > Send > Make a payment

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

  3. Enter the amount in GBP

  4. You can also add a reference for the transaction or future-date it by tapping Schedule payments > Next

  5. Select the payment category (ie. staff costs, fuel, etc.) and tap Save

  6. Review, confirm, and authorise the payment

Via Tide on the web

Via Tide 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?

  • The payment will be rejected and returned to the sender's bank if it is missing a sort code, has a generic ClearBank BIC or contains an incorrect IBAN.

  • You can check 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.

  • If you've set up a transfer and it still hasn't arrived after 4 hours, tap the Support icon in your app to send us a message.

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.

Prove your payment with a Payment Confirmation

Prove your payment with a Payment Confirmation

Also known as a ‘proof of payment’, this document provides evidence that your payment has been sent or received.

Payment Confirmations are available for

  • 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:

  1. Tap Accounts and select the payment you'd like to share confirmation

  2. Tap Payment Confirmation and download the document or share it as a PDF file

Payment fees

 
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Free
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Smart
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Pro
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Max

Free transactions per month

5

5

30

30

Unlimited*

Unlimited*

Unlimited*

Unlimited*

Inbound Faster Payments, BACS, and CHAPS

20p

20p

30 free, then 20p per transaction

Free*

Free*

Free*

Free*

Outbound Faster Payment, Direct debit

20p

20p

30 free, then 20p per transaction

Free*

Free*

Free*

Free*

Outbound CHAPS

£15

£15

2 free, then £15

2 free, then £15

5 free, then £15

Inbound and outbound international payments

20p and 1,5% to the FX Rate

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

0,5 % FX fee

0,5 % FX fee

0,5 % FX fee

0,5 % FX fee

Inbound SWIFT payments

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

30 free, otherwise same as Lite fee

Free

Free

Free

Free

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