Empower your team with Expense Cards

For account admins - learn how to assign Expense Cards to your team, give them payment independence, and manage their transactions. For Expense Card holders - learn how to use and manage your Expense Cards independently.

Admin, this information is for you

If you're an Expense Card holder, scroll down further

Card costs and Plans

Normally, each card costs £5 per month. We’ll bill you on the 4th of the month, including inactive cards. Depending on your account plan, you could get one or more Expense Cards for free.

On Smart, you’ll get 1 free Expense Card

On Pro, you’ll get 2 free Expense Cards

On Max, you’ll get 3 free Expense Cards

FX fees

GBP card transactions are free, but we'll charge a currency exchange fee of 2.75% for foreign payments unless you’re on Smart, Pro or Max plan. For cash withdrawals using an Expense Card, it's the standard £1 at home plus the currency exchange fee if withdrawing abroad.

Order your Expense Cards

In the app, go to Accounts > Cards > Team Expense Cards.

You can order a card for an existing Team Member, or enter the details of a new one.

We’ll email them an invitation link to the app that stays live for 48 hours.

They’ll have to pass onboarding checks before they can log into the app.

We'll deliver the Expense Card to your trading address within a week.

Activate your card

Activate cards through your Tide app by going to Accounts > Cards > Team Expense Cards > Select the card > Activate.

Order troubleshooting

If you can’t see the Expense Cards feature, go to the app store and check your Tide app is up-to-date. Important: If your Team Member hasn’t received the invitation email, the link isn’t working or it’s expired, you’ll have to send another email with a new link.

Go to Profile > Profile and Settings > Manage Team > select your Team Member > Send new access email > Yes.

Verify your team's payments

Team Members can access their app and approve their own online payments, but for now the account holder will still receive a ‘Verify Payment’ notification.

This gives you the option to approve or decline the transaction before or instead of the Team Member if you'd like.

Set spending limits

Team Members can only spend within the monthly spend limit you set.

In the app, tap Cards > Expense Cards > Select whose limits you want to change.

Here you can also set enhanced spend control for your team by limiting online payments, gambling and ATM withdrawals. Your Team Member will see these as 'declined'.

Freeze, unfreeze or cancel Team Members' cards

In your app, tap: Cards > Expense Cards > Select Team Member.

To freeze or unfreeze a card, just tap Freeze/Unfreeze.

To cancel a card, just tap Cancel Expense Card.

When you cancel, we’ll charge you a final £5 on the 4th of the following month.

Hi there, Expense Card holder

This information is for you

Your card

Receive your own card with your name on

Make Chip + PIN and contactless card payments

Add your card to digital wallets

In the Tide app

See company details like the trading name, address, and VAT number

View and freeze your card

See or change your PIN - only you can see your PIN

Transaction management

See and approve your own card payments

Add receipts, attachments, tags, categories and references

Get set up on a new device

If you're a new Team Member, download the Tide app, tap Login and enter your email address. You’ll receive an email shortly after: ‘Setup your new device to use Tide’. The first time you log into a new business, you must pass onboarding checks.

To add a new business to your app: Tap the Profile icon > + Add > Existing business > enter email address.

You’ll receive an email that must be opened on your phone – follow instructions from there.

Switch between multiple businesses in your app

You can switch between existing businesses by tapping Profile > selecting a company from the list under ‘Your businesses’.

For your security, switching between businesses must be authenticated with fingerprint, facial recognition, or your app passcode.

Recover your existing Tide account on a new device

Download and open the app, tap I already have an account, and follow the onscreen instructions. The first login on the new device will require fingerprint or facial recognition.

Troubleshooting access

For now, the best experience for Team Members is on a phone, so we only support access on laptops with strong authentication hardware, e.g. MacBooks with a fingerprint reader or computers with Windows Hello.

If you’re having trouble on a device with a hardware authenticator, try using Safari on iOS or Chrome on all other platforms. We’re working on a secure way to enable login on other computers.

SMS codes

For security, we limit how many verification code attempts you can make. If you’re having trouble, you may have hit your limit. Just request a new code to start again. There’s also a limit to how many new SMS codes you can request within 24 hours.

If you don’t receive an SMS code and the send a new code button isn’t working, there’s a chance your phone number is incorrect. Check that the account admin has set you up with the right phone number. They can edit it in their app if needed.

Lost or stolen phone

If your phone has been lost or stolen, visit this page to know what to do.

Once you've completed the immediate steps, you can log in again by visiting https://web.tide.co/team-cards/login on your replacement phone.

If you can’t remember your password, you will need to request a new email invite from the Admin.