Q: How do I upgrade to Cashback?

To upgrade to a paid plan, including Tide Cashback: Go to More and then Upgrade Choose your plan, and whether you’d like to pay monthly or yearly Read and agree to the Terms and Conditions Enter your app passcode We’ll upgrade you immediately. The fee for your first month is calculated pro-rata, so you’ll only pay for the remaining days rather than a full month. You upgrade on a per company basis. You can only upgrade at company level – if you have multiple companies, you’ll have to upgrade each of these separately to your chosen plan.

Q: What’s included in my free transfer allowance?

You can make payments in pounds sterling using: Direct Debit Faster Payments You can receive payments in pounds sterling using: Direct Debit Faster Payments CHAPS BACS

Question 1

What is Tide Cashback?

Accepted Answer

Tide Cashback is our membership plan that gives you: - 0.5% cashback on all eligible purchases with your Tide card - Unlimited, free, inbound and outbound transfers within the UK* - Support direct from our Premium Support Team - Access to a 24/7 legal helpline through your app - A stylish matte black card *(subject to Tide’s fair use policy)

Question 2

How do I upgrade to Cashback?

Accepted Answer

To upgrade to a paid plan, including Tide Cashback:

Go to
More
and then
Upgrade
Choose your plan, and whether you’d like to pay monthly or yearly
Read and agree to the Terms and Conditions
Enter your app passcode

We’ll upgrade you immediately. The fee for your first month is calculated pro-rata, so you’ll only pay for the remaining days rather than a full month.

You upgrade on a per company basis. You can only upgrade at company level – if you have multiple companies, you’ll have to upgrade each of these separately to your chosen plan.

Question 3

When will I be billed my membership fees?

Accepted Answer

It runs from the first of the month until the end of the month, and we’ll take your payment on the 4th.

If you downgrade to our Standard free plan after the 1st but before the payment date, you’ll still be charged for the paid plan. We’ll downgrade you for the following month onto our Standard free plan.
For your first month, you’ll be charged pro-rata – so if you upgrade on the 16th you’ll only pay for the 16th until the end of that month. On the 4th of the following month, you’ll pay for the full month as usual.

Question 4

What happens if I can’t pay the fee?

Accepted Answer

If we can’t collect the fee on the 4th of the month because there isn’t enough money in your account, we’ll try again every day until the end of the month.

If we aren’t able to collect the fee, we’ll automatically downgrade your account and you’ll lose access to the paid plan on the 1st of the following month.

Question 5

When will my black card arrive?

Accepted Answer

We’ll automatically start printing and shipping your black card when you upgrade to your new plan. You can expect it to be delivered to your trading address within 3 to 5 working days.

Question 6

Will my blue card still work?

Accepted Answer

When you upgrade to a paid membership, your blue card will continue to work until you activate your black card. After that, your blue card is automatically cancelled and you won’t be able to use it anymore.

Question 7

How do I order the Expense Cards included in my plan?

Accepted Answer

You can order Expense Cards in your Tide app by going to the 'Payments' tab and tapping 'My cards'.

Here you'll see the option for 'Team Expense Cards'. Tap it to enter your team member's details and select the account you'd like to link the Expense Card to.

If your team member passes our security checks, we’ll send the card to your trading address within a week.

You’re not able to order an Expense Card for yourself, as they’re only for your team members.

Question 8

How do I access priority in-app and phone support?

Accepted Answer

It’s the same as always: send us a message in the app and you’ll automatically be put through to the right team to answer your question, depending on which plan you’re on.

You can call us from the Support section of the app. Phone support is available from 9am to 6pm on weekdays (excluding bank holidays). For your security, our phone support team will take a few minutes to verify your identity – just like high street banks do.

Calls will be charged at your standard network rate.

Question 9

What’s included in my free transfer allowance?

Accepted Answer

You can make payments in pounds sterling using:
- Direct Debit
- Faster Payments
You can receive payments in pounds sterling using:
- Direct Debit
- Faster Payments
- CHAPS
- BACS

Question 10

Who provides legal help?

Accepted Answer

We have a financial arrangement with Irwin Mitchell LLP who provide a legal helpline to our members. Trained personnel from Irwin Mitchell LLP will help with any general legal questions you may have, and they’ll specify the level of support over the phone. We pay Irwin Mitchell LLP for their services – they’re independent from Tide and provide impartial and confidential advice.

Question 11

What services do the legal helpline provide?

Accepted Answer

Irwin Mitchell LLP can give you advice on any aspect of UK law, and they regularly advise on topics like:

Business law
Consumer law
Employment law
Family law
Personal injury law
Property law (both commercial and personal)

Wills and disputes over estate

If you want to file a trademark, or take any legal or tax action, this is available through Irwin Mitchell LLP. Please note, you’ll be charged for these extended services and you’ll need to pass their professional conflict checks first.

The legal helpline isn’t able to help you start legal proceedings or other similar action, and generally doesn’t review documents.

Question 12

When can I call the legal helpline?

Accepted Answer

They’re available 24/7 365 days a year.

Question 13

How do I contact the legal helpline?

Accepted Answer

In your Tide app, go to More > Legal help > Call legal helpline

Question 14

Why have I been charged twice?

Accepted Answer

It might look like you’re being charged twice, but you’ll only pay your paid plan fees on the 4th of the month. Then, if there are transactional fees due on top of your paid plan allowance, such as transfer fees, we’ll ask you to pay for those later in the month.

Question 15

Why do you charge VAT?

Accepted Answer

We have to charge Value Added Tax (VAT) on the fee for some of Tide’s paid services, including membership plans. That’s because the fee is for ‘value added’ services associated with your membership.

If you’re VAT registered in the UK, you can reclaim the VAT on your membership fee at the end of your accounting period.

The VAT charged on your membership fee is the standard rate. You can read more about VAT rates on Gov.uk.

Question 16

What happens to my black card if I downgrade to the Standard free plan?

Accepted Answer

Your black card will remain active, so you can continue to use it. However, you’ll lose all the other perks that come with our paid plans.

Question 17

What happens to my allocated Expense Card if I downgrade?

Accepted Answer

Any Expense Cards you have will remain active, but we’ll start to bill you for them, as our Standard free plan doesn’t include any free Expense Cards. We’ll take this payment on the 4th of the month in which your downgrade took effect.

You can read more about Expense Card charges

Question 18

How do I downgrade or switch between paid plans?

Accepted Answer

You can downgrade or change plans through your Tide app by going to the 'Payments' tab and tapping the icon in the top right-hand corner.

From here, tap 'Go to settings' > 'Tide plan', select your current plan and choose which plan you would like to move to.

You can downgrade your plan on the web too.

Log in to your Tide account on your browser > click ‘Tools & Services’ > ‘Memberships’ > ‘Downgrade’ under your new plan.

After downgrading, you'll remain on the plan until the end of that month. Your new plan starts at the beginning of the following month.

If you change to a different paid plan, your new plan will activate immediately, including collection of your new fee. Fees are pro-rata, meaning that if you upgrade after the 1st of the month, you'll only pay for the remaining days of that month. From the following month we’ll collect the full amount.

Question 19

What are the terms and conditions for Tide’s paid plans?

Accepted Answer

If you’d like to review these, you can read and save our plan T&Cs – they cover our Plus, Pro and Cashback plans

If you’ve got a question, you can message us in the Tide app or email hello@tide.co

	Cashback	Free	Pro	Plus
Price	49.99	Free	£18.99	£9.99
Your Tide business card	Free	Free	Free	Free
Expense Cards for your team	3 Free	£5/month	2 Free	1 Free
Transfers in & out	Unlimited	20p per transfer	Unlimited	20/month free
ATM withdrawals	£1	£1	£1	£1
Read access for team members	check_circle	check_circle	check_circle	check_circle
Scheduled payments	check_circle	check_circle	check_circle	check_circle
Accounting integrations - Quickbooks, Xero, Sage and more	check_circle	check_circle	check_circle	check_circle
Multi-business - hold up to 5 business accounts	check_circle	check_circle	check_circle	check_circle
Priority in-app support	check_circle	cancel	check_circle	check_circle
Phone support	check_circle	cancel	check_circle	check_circle
24/7 legal helpline	check_circle	cancel	check_circle	check_circle
Exclusive member perks	check_circle	cancel	check_circle	check_circle
Support with trademark filing and disputes	check_circle	cancel	check_circle	check_circle
Dedicated team of account managers	check_circle	cancel	cancel	cancel
0.5% cashback with your Tide card	check_circle	cancel	cancel	cancel

TIDE CASHBACK ACCOUNT

Upgrade to Cashback

Earn 0.5% cashback

Extra help for Cashback members

Account plans that scale with your business

Cashback

Free

Pro

Plus

Price

Your Tide business card

Expense Cards for your team

Transfers in & out

ATM withdrawals

Read access for team members

Scheduled payments

Accounting integrations - Quickbooks, Xero, Sage and more

Multi-business - hold up to 5 business accounts

Priority in-app support

Phone support

24/7 legal helpline

Exclusive member perks

Support with trademark filing and disputes

Dedicated team of account managers

0.5% cashback with your Tide card

Ready for Cashback?

Upgrade to Cashback in 3 taps

I earned £424 cashback this month!

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Cashback Account Upgrade FAQs