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Tide Logo
Tide Logo
Tide Logo

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

View and increase your limits

View and increase your limits

View your limits

  1. Tap Pay > your initials in the top left

  2. Tap Profile & Settings > Bank Account

  3. Tap Account Limits

  4. Select which limit you'd like to view

Increase your limits

Increase your limits

You can request increases for your account balance, monthly transfer and per-transaction limits:

  1. Tap Pay > your initials in the top left

  2. Tap Profile & Settings > Bank Account

  3. Tap Account Limits > Request limit increase

  4. We’ll review your request and let you know the outcome

  5. Find it by tapping the Support icon > Messages

Your account balance limit

Your account balance limit

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

Exceeding this limit can cause restrictions to your account.

If your Tide account is provided by ClearBank

ClearBank accounts have the sort code 04-06-05.

If your balance exceeds your account balance 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 or move money out of your account to one of your choosing.

Tide will never tell you which account to move your money to, including a 'safe account'.

If you are a Tide e-money account holder

E-money accounts have the 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 before it enters your account. You can request an account balance limit increase for your Tide e-money account to resolve this, or move money out of your account to one of your choosing.

Tide will never tell you which account to move your money to, including a 'safe account'.

Your monthly transfer limits

Your monthly transfer limits

This is the limit to how much money you can send via bank transfers in a month.

Once you reach this limit, you won't be able to send any more money via bank transfer for that month.

For multi-business users

The limit applies to each business separately.

For members with Additional Accounts

The limit applies to your main Tide business account plus any Additional Business Account within the same business.

If you move money between accounts you own

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

Your per-transaction limits

Your per-transaction limits

This is a limit to how much money you can move in a single transaction.

If you try to move more money than your limit allows, your payment won't go through.

If you move money between accounts you own

Transfers to Additional Business Accounts under the same business, or to your Tide Instant Saver account, doesn't count towards your monthly transaction limits.

Limit on transfers to your new payees

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.

How the new payee transfer limit works

  1. When you add 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

  2. Once you've added the payee, you'll have to wait 3 hours to be able to pay them

  3. 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 and won't apply to any of your existing payees

Your card transaction limits

Your card transaction limits

There are limits on your card transactions:

  • Your daily card payment limit,

  • Your monthly card payment limit

  • Your daily ATM withdrawal limit

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.