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Tide Logo
Tide Logo
Tide Logo

How to set up and manage your Tide Cash ISA

With Tide's Cash Individual Savings Account (ISA), you can earn 3.25% (Variable) AER on your savings, while protecting your money.

This guide shows you how to:

🔗 Open a Cash ISA

🔗 Manage your Cash ISA

Earn safe, tax-free interest

3.25% (Variable) AER*

We calculate interest based on the end of the day balance held in your Cash ISA. It’s paid into your ISA on the first day of the following month

*Subject to change, please check the conditions in the Summary box

Safe deposits

All your eligible deposits held in the Cash ISA, powered by ClearBank, are covered by the Financial Services Compensation Scheme (FSCS). This covers all your current and savings accounts with ClearBank for up to £120,000

Open a free Cash ISA account

Open a free Cash ISA account

It only takes a few minutes and all you need is your National Insurance (NI) number:

  1. Tap Pay > select your current account > tap + in the righthand corner

  2. From Accounts overview, tap Cash ISA > Open Cash ISA

  3. Review your pre-filled details (tax year you'll subscribe for, your personal details, and your tax residency)

  4. Enter your National Insurance number

  5. Tap Authenticate and your account is ready

Manage your Cash ISA

Manage your Cash ISA

Deposit or withdraw money into your Cash ISA

You can only deposit money into and withdraw money from your Cash ISA using your Tide Business Account .

  1. Tap Pay > Cash ISA > +Deposit or - Withdraw

  2. Enter the amount you want to deposit or withdraw and Confirm

The maximum amount you can deposit per year is £20,000. This is the annual ISA allowance for all your Individual Savings Accounts set by the UK government. The deposit limit resets at the start of every tax year.

If you pay back the money you withdraw, before the same tax year ends (5 April), this won't affect your annual ISA allowance (currently £20,000)

Generate a document for your Tide Cash ISA

Generate a document for your Tide Cash ISA

  1. Go to the Accounts tab

  2. Tap Statements and documents

  3. Under Documents tap Cash ISA declaration form or Summary box

Transfer your money from Tide to another Cash ISA provider

Transfer your money from Tide to another Cash ISA provider

If you wish to switch providers and keep your tax-wrap status, make sure to use the transfer out process:

  1. Contact your new provider to create a new account

  2. Request a transfer out with your new provider

  3. If the transfer is possible, we'll confirm via email

Keep in mind that currently you can't transfer your money from another provider to Tide.

Closing your Cash ISA

Closing your Cash ISA

  1. You’ll need to move your outstanding balance to your main Tide account

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

  3. We'll help you close your account 

  4. On the day your Cash ISA is closed, we’ll pay any interest earned that month to your main Tide account

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.