Managing your Tide account closure

We’ll be sorry to see you go, but you’re free to close your account at any time.

In this guide, discover:

How to close your main Tide account

What happens if you receive a refund into your closed account

How to close any additional accounts you've

How to close your main Tide account

Tap the Support icon in the top-right of your app or email us at hello@tide.co and we'll help you close your account.

Before you close your main account

Make sure:

Your account balance is £0 by transferring out all your finances to an account of your choosing

You've cancelled any ongoing payments, such as direct debits

You’ve closed all your additional accounts

You've downloaded any statements you'd like to keep

Before you close your account, you can also use the Current Account Switch Service (CASS) to transfer to a new bank. This ensures that any payments made to your old account are automatically redirected to your new account.

How to close any additional accounts

Here's how you can close any additional account. You can either tap:

Accounts > Details, next to the additional account > scroll to the bottom of this screen > Request account closure

The Support icon in the top-right of your app or email us at hello@tide.co

Before you close your additional account

Make sure you download your statements. Also ensure that your account balance is 0 by moving your money to your main account. Otherwise, you may have to complete any additional steps, such as paying any outstanding fees.

Getting your full transaction history

After you close your Tide account

We'll automatically send you a copy of your full transaction history for all your Tide accounts, except your Cash Register account. You can expect to receive it by email within 10 days* – from the date you close your account.

You can still request your full transaction history in up to 5 years, after closing your account. When we get your request, you’ll need to verify your identity to prove it’s you. Once you do, we'll send it by email within 7 days.

* If it has been over 10 days since you’ve closed your account, and you still haven’t received your full transaction history, get in touch with us at hello@tide.co.

Troubleshooting your account closure

What if you've received a refund into your closed Tide account?

If you think you’ve received a card refund into your closed Tide account, email hello@tide.co to let us know.

To send the money to your other bank account, we’ll need a statement from within the last 3 months, to show that you’re the account holder. It should include your:

Account Number and Sort Code

Full name and address

We’ll then transfer the money and confirm this to you in an email.

How closing your account affects your monthly fees

If you’re paying for an additional account and want to close it, you’ll need to do this before the end of the current month.

If you close the account on or after the 1st of the following month, we’ll collect the monthly fee for that month.

How can I report the death of a Tide account holder?

If a Tide member passes away, please email us at hello@tide.co with the following information and we'll walk you through the next steps.

What to provide for a Sole Trader account

Your full legal name and relationship to the account holder – if you’re a Next of Kin, Named Executor, Third-Party Representative, a Co-Director (for Limited Companies only), or if you hold a different relationship to the deceased

The deceased account holder’s details – their full legal name, date of death, trading name, as well as an email address or phone number linked to their Tide account

Confirmation of whether the records in the Probate Registry have been updated – ensuring that all required documents related to the deceased person's estate, such as their will or probate application, have been properly filed and recorded with the probate court*

* This confirmation is essential for legally managing and distributing the estate according to the will or applicable laws.

Usually, if it's a Sole Trader account, the capital will go to the deceased's Next of Kin.

What to provide for a Registered Business account

You need to inform Companies House within 14 days of the account holder’s passing – once they’ve updated their records, the newly appointed director, next of kin or will executor, can access the account. See more about this here

Ownership of Registered Businesses can be passed to another director that’s listed on Companies House. If there are no other directors, the finances will go to:

A newly appointed director of the company, or

A liquidator – if the company’s status is ‘In Liquidation’

How to apply for a Grant of Probate or Letters of Administration

If there is a will left by the deceased, a Named Executor must apply for a Grant of Probate.

If there isn’t a will – an Appointed Administrator must apply for Letters of Administration. An administrator can be a:

Spouse or civil partner

Children (if no spouse or civil partner)

Parents (if no children)

Siblings (if no parents)

Other relatives (if none of the above)

You can do this through the UK government’s online portal or by completing the required forms and submitting them by post.

More detailed guidance is available on official pages, such as:

Gov.uk: What to do when someone dies: step by step

Companies House: How to prepare for the death of a director

Citizens advice: Dealing with the financial affairs of someone who has died