Why open an instant access business savings account with Tide?
Earn up to 4%* AER variable interest
Instant access to your funds
No need to change bank accounts
How do our savings interest rates work?
Compare business savings accounts
 Tide |  Barclays |  Natwest |  Monzo |  Virgin Money |  Cynergy Bank |  Allica Bank |  Shawbrook |  Hampshire Trust Bank | |
|---|---|---|---|---|---|---|---|---|---|
% interest on business savings account | Up to 4% AER Up to 4% AER | Up to 1.61% AER Up to 1.61% AER | Up to 1.51% AER Up to 1.51% AER | 1.30% AER 1.30% AER | 3.50% AER 3.50% AER | 3.50% AER 3.50% AER | Up to 4.08% AER Up to 4.08% AER | 3.40% AER 3.40% AER | 3.40% AER 3.40% AER |
Interest | Monthly Monthly | Quarterly Quarterly | Monthly Monthly | Monthly Monthly | Monthly Monthly | Monthly Monthly | Yearly Yearly | Monthly/Annually | Annually Annually |
Minimum deposit | £1 £1 | £0 £0 | £0 £0 | £0 £0 | £1 £1 | £1 £1 | £50,000 £50,000 | £1,000 £1,000 | £1 £1 |
Withdrawal limits | None None | None None | None None | None None | None None | None None | None None | Minimum of £500 Minimum of £500 | None None |
Business current account integration | Yes Yes | No No | No No | Yes Yes | No No | Yes Yes | Yes Yes | No No | No No |
The rates compared are all the best variable rates offered in the instant access business savings accounts | Valid as of 11/05/2026
Open a business savings account in 3 easy steps
Download the Tide app Open a free business bank account or connect an external business account Complete the application and start saving
Start saving from just £1
Enjoy easy access to your business savings account
Keep your money protected at all times
Saving is simple at Tide
Manage everything from one place
It’s hassle-free
Save at your own pace
View your accounts all at once
Introduction to Savings Boost Summary Box
Tide Pro Instant Saver Account Summary
Balance | Interest Rate p.a. (variable) |
|---|---|
Up to £150,000.00 | 3.00% AER / 2.96% gross 0.79% gross below Bank of England Base Rate |
Over £150,000.00* | 0.00% AER / 0.00% gross |
Tide can change the percentage by which the interest rate is below Bank of England Base Rate at any time and this will impact the interest rate you receive. Please also refer to the Tide Instant Saver Terms.
If this change will decrease your interest rate, we will give you at least 14 days’ notice in writing before the change takes effect. If this change increases your interest rate, we don’t have to give you prior notice, but we will notify you about the change within 30 days of it taking effect.
In addition, each time the Bank of England Base Rate changes, the interest rate applicable to your Tide Instant Saver Account will also automatically change, in line with the increase or decrease in the Bank of England Base Rate. Please note that this might happen in addition to changes to the percentage by which the interest rate is below Bank of England Base Rate.
The change will take effect from the day the Bank of England announces the change. We do not have to give you prior notice of the change, but we will notify you about the change within 30 days of it taking effect. The Bank of England Base Rate may be negative, which may result in a negative interest rate applying to your Tide Instant Saver Account.
Initial amount | Balance after 12 months |
|---|---|
£1,000.00 | £1,030.00 |
the Bank of England base rate being 3.75% no further deposits or withdrawals being made and no changes to the interest rate taking place no further changes in Bank of England rates and the percentage by which the interest rate is below Bank of England Base Rate
If you hold a Tide Business Account, your Nominated Account will be your Tide Business Account. In case you are a UK-registered limited company who does not hold a Tide Business Account, your Non-Tide Account will serve as your Nominated Account.