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Get £40 on us! It’s fast and free to start your business with Tide and Wainwrights Accountants

Ready to be your own boss? Now you can register your limited company and open a business account, all in one go, for free! Plus, to get you off to the best start we’ll give you £40 and 1 year of free transfers!*

Just use the code: WAINWRIGHTS

T&Cs apply*

Get started

Register a limited company and open a business account, together, for free

  • Two-in-one

    We register your company and open your business account in one streamlined process.

  • Free

    Yes, really! We'll take care of your company registration fee to help you get started.

  • Fast

    Your business account should be open in minutes, and your company is usually registered the same day.

  • Secure

    We're a Companies House approved formation agent with a secure integration, so you're in safe hands.

Here’s why Wainwrights Accountants loves Tide

Make bookkeeping a breeze

Tag income and expenditure with labels of your choice - your accountant will love you for it!

Sync with your accounting software

Forget uploading CSVs - connect your account to Xero, Quickbooks, FreeAgent, Sage, KashFlow and Reckon.

Simple receipt storage

You can attach photos and noted to transactions as you go, saving you time.

Send, pay and track invoices

No need for a separate system, keep on top of your invoices directly in our app.

No monthly or annual fees

We take a tiny fee when you move money between accounts or move cash

  • credit_card

    Card payments (UK and abroad)

    FREE

  • swap_horiz

    Transfers in and out of accounts

    20p

  • swap_horiz

    Transfers between Tide accounts

    FREE

  • atm

    ATM cash withdrawals

    £1

  • card_membership

    Replacement cards

    FREE

  • money

    Cash deposits

    Post Office – £1
    PayPoint – 3%

Trusted by over 350,000 UK businesses

Business Account FAQs

Can I deposit cheques?

We don’t currently accept cheque deposits.

We understand that cheques aren’t going to go away any time soon though. That’s why we’re looking at smart ways to process cheques, like an image clearing system which allows cheques to be deposited straight through your phone.

One of the most common issuers of cheques is HM Revenues and Customs. If you’ve received a cheque from HMRC, you can return it and request a direct bank transfer instead.

In instances where your account is being closed, any remaining funds will be returned to you by banking transfer only. At this stage we do not issue remaining balance cheques.

What are Tide’s features?

Tide accounts come packed with smart and time-saving tools, letting you focus less on admin and more on your business.

  • Full UK sort code and account number
  • Business Mastercard, with free purchases at home and abroad
  • Automatic categorisation of your transactions, for easy accounting
  • Instant invoice payment and creation
  • Up to £150,000 of credit, straight through the app

That’s just the beginning! You can see more on our features page, and keep up to date with what’s coming next on our roadmap

Are there limits on my account?

That will depend on whether you’re a sole trader or a registered company.

Tap “Accounts” from your in-app More menu to see your full account limits, or to request a limit increase.

How do I deposit cash?

We’ve partnered with the Post Office and PayPoint, so you can deposit cash at over 40,000 locations in the UK!

Here’s how to make a deposit:

  1. Find your nearest Post Office or PayPoint location
  2. Let them know you’d like to add money onto your Tide card
  3. Hand over your Tide card and any cash you’d like to deposit
  4. They’ll swipe your card and hand you a receipt

Processing Times

Post Office deposits made before 6pm will be added to your account the next working day, deposits made after 6pm will take an additional working day.
PayPoint deposits will show in your account after about 10 minutes.

Fees and Limits

There is a £1 fee for a deposit at a Post Office, and a 3% fee on the total deposit value at PayPoint.
The fee is automatically deducted from the deposit at time of processing.

You can deposit between £10–500 each day. Other currencies aren’t supported at the moment.

You can deposit cash at any Post Office branch in the U.K. If you are having any issues you can show them this FAQ.

Can I have a monthly statement?

Yes! You can download a statement on the 4th of the following month.

Just tap More > Transactions > Statements, then select the months that you’d like to download a statement for.

Can I export my transactions?

You can export transaction data to CSV files directly from the app – we offer a few different formats to best suit your accounting needs.

The export button is located in the top right corner of your accounts page, directly under the card icon.

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A business bank account that's free, easy to open, and helps you start doing what you love.

Tide is about doing what you love. That’s why we’re trusted by 350,000+ UK businesses.

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