Set up and use your Tide Card

Learn how to activate your card, start making payments, and stay in control if your card is lost.

Your card overview

You can have a Physical, Virtual, and Online debit card. The network provider for all Tide cards is Mastercard.

All three cards types are available to both Sole traders and Registered Businesses.

	Physical card	Virtual card	Online debit card
Maximum cards per Admin	1 per account 1 per account	5 per account 5 per account	1 per account 1 per account
Maximum cards per Team member	1 per business 1 per business	5 per business 5 per business	cancel
Physical card delivery time frame	Up to 5 business days	cancel	cancel
Digital card delivery time frame	Instant Instant	Instant Instant	Instant Instant
Add to your digital wallet immediately	check_circle	check_circle	cancel
Card colour	Blue (if you're on a Lite plan or have Team Card holders), Black (if you're on a paid plan)	Blue, Green, Purple, Orange, and Pink	Turquoise Turquoise

Get your cards set up

When you join Tide, we’ll send you a physical card in the post and you’ll have digital access to it in your Tide app immediately.

Activate your digital card

While waiting for your physical card to arrive, you can see your digital card details in your app:

Tap Manage cards

Select your card and tap View details.

You can add it to your phone's Apple Pay or Google Pay instantly.

You'll have to activate your physical card first to make contactless payments, ATM withdrawals, card payments over the phone, and card payments by post

Your physical card delivery

Your card will be sent to your registered delivery address

Tap Accounts > Cards and select your card to check your card's delivery address

To change your card's delivery address, tap Replace this card, choose a new address and order it for free

Your card will arrive within 5 days of your account being approved, or your address being updated

Activate your physical card

To use your physical card for contactless and magstripe payments:

Tap Manage cards

Select your card and tap View details to view your card's PIN

Insert your card into a POS terminal or ATM and make a Chip & PIN transaction

Your physical card will now be activated, and your digital card will now work outside of your digital wallet

Freeze, cancel or reorder your card

If you lose your card, you should freeze or cancel it immediately. This helps prevent anyone else from using it.

Go to the Accounts tab

Tap Cards and select your card

Choose whether to Freeze your card, Cancel without replacing, or Replace this card for free

Make payments with your card

Make payments at home

You can make payments at home, using either contactless, magstripe, Apple Pay, Google Pay, or Chip & Pin.

You may occasionally need to enter your PIN when making contactless payments, just to help keep your card secure.

Make payments abroad

You can use your cards abroad just as you would at home.

We recommend that you're charged in the local currency, as our Mastercard conversion rate is generally far better than the conversion rate a merchant or ATM will charge.

There are certain fees that apply, and there are certain countries which have restrictions. Learn more about these below.

Earn Cashback

Your Tide Card automatically qualifies for Mastercard Business Savings, a cashback programme for selected payments. You'll receive your cashback within 5 days of making a purchase, and will show as RBT on your statement.

You can also earn even more cashback through Tide's Max Plan.

Trouble making card payments?

This could be because:

Your account has insufficient funds

There’s an issue with the merchant’s system

There are some purchases, such as for gambling and crypto, which you can't make. If this is the case, you'll see a notification which says ‘declined due to merchant category blocked'

You’ve reached your payment limit. To check, tap Accounts > Details > Account limits

You’ve reached your contactless limit and need to make a payment with your PIN to use contactless again

Your card is frozen. If so, tap Accounts > Cards > Unfreeze

Your card's PIN is blocked. Enter your card and PIN at any ATM, choose an option usually called 'PIN services' or 'unblock PIN', and follow the onscreen instructions to unblock it.

Your card is faulty. If so, use the steps on this page to order a new one for free

Countries with restrictions on your card payments

You can use your Tide Card in most countries.

You won't be able to use your card's mag stripe in some countries. The mag stripe is a type of security that was common before Chip and PIN. You can still use contactless payments in these countries.

Countries where you can't use your card's mag stripe

Brazil, India, Indonesia, Kuwait, Mexico, Moldova, Pakistan, Philippines, Romania, Saudi Arabia, Thailand, Turkey, United Arab Emirates, Vietnam.

Countries where you can't use your card at all

Afghanistan, Belarus, Bosnia & Herzegovina, Burundi, Central African Republic, Cuba, Dafur region of Sudan, Democratic People's Republic of Korea (North), Democratic Republic of Congo, Eritea, Guinea, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, Republic of Guinea-Bissau, Russia, Somalia, Sudan, Syria, Ukraine sanctioned regions (Donetsk, Crimea, Kerson, Luhansk and Zaporizhzia), Venezuela, Yemen, Zimbabwe.

	Free	Smart	Pro	Max
Purchase in GBP in UK	Free Free	Free Free	Free Free	Free Free
Purchase in GBP abroad	2.75% 2.75%	Free Free	Free Free	Free Free
Non-GBP purchase	2.75% 2.75%	Free Free	Free Free	Free Free
GBP cash withdrawal in UK (up to £500)	£1 £1	£1 £1	£1 £1	£1 £1
GBP cash withdrawal in UK (over £500)	0.25% 0.25%	0.25% 0.25%	0.25% 0.25%	0.25% 0.25%
GBP cash withdrawal abroad (up to £500)	ATM fee £1 + FX fee 2.75%	£1 £1	£1 £1	£1 £1
GBP cash withdrawal abroad (over £500)	ATM fee 0.25% + FX fee 2.75%	0.25% 0.25%	0.25% 0.25%	0.25% 0.25%
Non-GBP cash withdrawal (up to £500)	ATM fee £1 + FX fee 2.75%	£1 £1	£1 £1	£1 £1
Non-GBP cash withdrawal (over £500)	ATM fee 0.25% + FX fee 2.75%	0.25% 0.25%	0.25% 0.25%	0.25% 0.25%
ATM balance enquiry	Free Free	Free Free	Free Free	Free Free

Free

Smart

Pro

Max

Purchase in GBP in UK

Free

Purchase in GBP abroad

2.75%

Free

Non-GBP purchase

2.75%

Free

GBP cash withdrawal in UK (up to £500)

£1

GBP cash withdrawal in UK (over £500)

0.25%

GBP cash withdrawal abroad (up to £500)

ATM fee £1 + FX fee 2.75%

£1

GBP cash withdrawal abroad (over £500)

ATM fee 0.25% + FX fee 2.75%

0.25%

Non-GBP cash withdrawal (up to £500)

ATM fee £1 + FX fee 2.75%

£1

Non-GBP cash withdrawal (over £500)

ATM fee 0.25% + FX fee 2.75%

0.25%

ATM balance enquiry

Free

*Extra fees may be charged by certain ATM providers

*UK cash withdrawal over £500 is only available to ClearBank accounts

Set up and use your Tide Card

Your card overview

Physical card

Virtual card

Online debit card

Maximum cards per Admin

Maximum cards per Team member

Physical card delivery time frame

Digital card delivery time frame

Add to your digital wallet immediately

Card colour

Get your cards set up

Get your cards set up

Activate your digital card

Your physical card delivery

Activate your physical card

Activate your physical card

Freeze, cancel or reorder your card

Freeze, cancel or reorder your card

Make payments with your card

Make payments with your card

Make payments at home

Make payments abroad

Earn Cashback

Trouble making card payments?

Countries with restrictions on your card payments

Countries with restrictions on your card payments

Countries where you can't use your card's mag stripe

Countries where you can't use your card at all

Free

Smart

Pro

Max

Purchase in GBP in UK

Purchase in GBP abroad

Non-GBP purchase

GBP cash withdrawal in UK (up to £500)

GBP cash withdrawal in UK (over £500)

GBP cash withdrawal abroad (up to £500)

GBP cash withdrawal abroad (over £500)

Non-GBP cash withdrawal (up to £500)

Non-GBP cash withdrawal (over £500)

ATM balance enquiry