Managing your Tide account closure

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

This guide shows you how to:

🔗 Close your main Tide account

🔗 Close any additional accounts

🔗 Get your full transaction history

🔗 Report the death of a Tide account holder

How to close your main Tide account

Step 1: Reduce your balance to £0

Move all money from your Tide account to an account of your choosing.

This is different to a common scam in which fraudsters ask you to move money.

In a scam, fraudsters will tell you which account to move your money to.

When you're closing your Tide account, you can choose where to move your money to.

Tide will never tell you where to move your money.

Step 2: Download any statements you need

  1. Tap the Profile icon > Profile & Settings > Bank account

  2. Tap Statements and documents > Account statements

  3. Select the month(s) you'd like to download

  4. Tap Share to save your document as a PDF

We'll email you a copy of your full transaction history for all of your Tide accounts, except your Cash Register account. You should receive it within 10 days.

You can still request your full transaction history up to 5 years after closing your account, which we'll email to you within 7 days.

Step 3: Cancel any ongoing payments

Your scheduled payments, such as direct debits, will need to be cancelled and set up again in your new account.

You can also close your account and open a new one using the Current Account Switch Service (CASS). This will automatically set up most of your scheduled payments in your new account.

Step 4: Close any additional accounts

  1. Tap Accounts > Details

  2. Next to the additional account, scroll to the bottom of this screen and tap Request account closure

Troubleshooting your account closure

Troubleshooting your account closure

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

Email hello@tide.co to let us know which account you'd like it sent to.

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, 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.

Reporting the death of a Tide account holder

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

For a Sole Trader account

Provide us with the below information and we'll help you through this.

  • 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. This includes 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. This makes sure 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.

Usually the next of kin will be able to access the account.

For a Registered Business account

You'll need to first 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: