Tide Logo
Tide Logo
Tide Logo
Tide Logo

Your available payments and how to make them

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 Pay > 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. Payments > 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 Pay 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

 
null
Free
null
Smart
null
Pro
null
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 EUR payments, outbound USD payments

£1 and 1.50% FX markup

£0.50 and 1.25% FX markup

0.75 % FX markup

0.5 % FX markup

0.5 % FX markup

Inbound GBP SWIFT payments

£10

£10

£7.50

£7.50

£5

£5

£3

£3

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

Tide | Do what you love.
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.