How to view and change your account limits

To protect our members and stay compliant with regulations, we have the following account limits in place:

Account balance

Monthly transfers, single payments and card transactions

Payments to newly added payees

Scroll down to see how they work, as well as how to view and change them.

Your account balance limit

This is the maximum amount of money you can hold in one of your Tide Business accounts.

If your Tide account is provided by ClearBank (account sort code is 04-06-05) and your balance exceeds this limit, you won’t be able to make any Outbound Payments. This can happen if you’ve received more money in your account than the limit allows. To start making payments again, you must request a limit increase – scroll to the bottom to see how.

If you are a Tide e-money account holder (account sort code is 23-69-72) , you can receive payments only up to the balance limit. If someone sends you a payment that will exceed the limit, the payment will be rejected by PPS before it enters your account. You can request a limit increase for your Tide e-money account by following the same steps.

Your monthly transfer limits

There’s a limit to how much money you can send via bank transfers, in a month from all your Tide accounts combined.

For multi-business users - the limit applies to each business, separately

If the amount transferred from your main Tide business account, and any Additional Business Account within the same business exceeds the monthly transfer limit, you won’t be able to make outbound transfers for the remainder of the month

Transfers to Additional Business Accounts you might hold under the same business, or to your Tide Instant Saver account, will not count towards your monthly transaction limits

Your per-transaction limits

If you make a transfer to another account, and it exceeds your per-transaction limit, you won’t be able to proceed with the payment.

Transfers to Additional Business Accounts you might hold under the same business, or to your Tide Instant Saver account, will not count towards your monthly transaction limits.

Limit on transfers to your new Payees

When you add a new Payee, we may limit how much you can pay them within the first 3 hours. Fraudsters often rely on pressure and urgency to trick people into paying new recipients. The time limit is there to give you a moment to slow down and double-check you’re sending money to someone you can trust.

Remember, when adding a new Payee, make sure you’ve verified their identity, or call us on 159 if you need advice on whether it is safe to do so

After the 3-hour window, you will be able to pay them immediately at any time in the future

This will only affect new Payees – the limit won't apply to any of your existing payees

This extra layer of protection is a vital part of our mission to keep you and your money safe.

Your card transaction limits

There are limits on card transactions too.

These include your daily and monthly card payments, plus how much you can take out at an ATM in a single day.

If you’re planning a larger spend or cash withdrawal, it’s worth checking your limits first in the app.

How to view and increase your limits

To see your limits in the app:

Tap Accounts and select your account

Then tap Details > Account Limits

Select which limit you'd like to view

You can see your Monthly transaction limits by following the steps above, but they're also displayed while you're setting up a payment – right below the ‘transaction amount’ box.

Increase your limits

At the moment, you can only request increases for your Account balance limit:

In the app, tap: Accounts and select your account

Then tap Details > Account Limits > Request limit increase

We’ll review the request, and once we have an outcome, we’ll share it with you in the in-app chat.

You can't do this for your Monthly transfer, Per-transaction, Card transaction or New Payee limits.