Tide Logo

Start Your Business

Business Accounts

Credit

Business Tools

Support


Tide Logo


PLANS AND PRICING

Plans that grow with you

Only pay for what you need, with plans to suit businesses at every stage.

Our mission is to save small businesses time and money. We offer a free business bank account with no monthly fee, and our plans provide enhanced expense control and financial management to streamline your growth.

Explore our plans

Join over 1,800,000 business owners today!

Serving over 10% of all SMEs in the UK, helping contractors, freelancers and scaling businesses get back to doing what they love.

A plan for every stage

Start simple, then unlock more tools, automation, and support as your business grows.

  • Free

    Perfect for new business owners. Manage essentials with no monthly fee.


  • Smart

    For those ready to work smarter. Tools to automate admin and save time.


  • Pro

    For growing businesses. Connect, control and simplify your business finances.


  • Max

    For established businesses. Top savings, cashback, and dedicated support.


Compare our plans

 
null
Free
null
Smart
null
Pro
null
Max

Monthly fee

£0

£0

£12.49

£12.49

£24.99

£24.99

£69.99

£69.99

-

-

£99.99

£99.99

£199.99

£199.99

£559.92

£559.92

check_circlecheck_circlecheck_circlecheck_circle

check_circlecheck_circlecheck_circlecheck_circle

2.75% FX fees

2.75% FX fees

0% FX fees

0% FX fees

0% FX fees

0% FX fees

0% FX fees

0% FX fees

5/month

5/month

30/month

30/month

Unlimited

Unlimited

Unlimited

Unlimited

Transfers to/from foreign bank accounts

20p/transfer + 1.50% FX fee

20p/transfer above free limit + 0.50% FX fee

No transfer fee + 0.50% FX fee

No transfer fee + 0.50% FX fee

-

-

2

2

2

2

5

5

ATM withdrawals

£1

£1

£1

£1

£1

£1

£1

£1

check_circlecheck_circlecheck_circlecheck_circle

check_circlecheck_circlecheck_circlecheck_circle

check_circlecheck_circlecheck_circlecheck_circle

-

-

1

1

2

2

3

3

-

-

-

-

-

-

check_circle

-

-

-

-

-

-

check_circle

up to 2.27% AER

up to 2.27% AER

up to 2.78% AER

up to 2.78% AER

up to 3.29% AER

up to 3.74% AER

up to 3.74% AER

Up to 4% AER

Up to 4% AER

Up to 4% AER

Up to 4% AER

up to 4% AER

up to 4% AER

Up to 4% AER

Up to 4% AER

Payment links

check_circlecheck_circlecheck_circlecheck_circle

Tap to Pay on iPhone

check_circlecheck_circlecheck_circlecheck_circle

-

-

1

1

2

2

3

3

View-only

View-only

Enhanced (1 seat)

Enhanced (2 seats)

Enhanced (5 seats)

3/month

3/month

3/month

3/month

3/month

3/month

Unlimited

Unlimited

Free integration with third party accounting software

check_circlecheck_circlecheck_circlecheck_circle

-

-

-

-

Tide Accounting

Tide Accounting

Admin Extra

Admin Extra

check_circlecheck_circlecheck_circlecheck_circle

-

-

-

-

-

-

2 seats

2 seats

-

-

check_circlecheck_circlecheck_circle

-

-

check_circlecheck_circlecheck_circle

check_circlecheck_circlecheck_circlecheck_circle

-

-

24/7 access

24/7 access

24/7 access

24/7 access

24/7 access

24/7 access

*Save more, earn more - up to 4% AER (variable). Interest rates are tiered. For full details, see our Summary Box.

Get even more out of your account with our additional features to help you get paid faster and streamline your finances.

Matt HerdBeaucroft Watches

Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account.

Tide plans and pricing FAQs

You can upgrade your plan through your Tide app by tapping Upgrade in the top-left corner of your app.

From here, select your new plan and you can then choose whether you'd like to pay for it on a monthly or yearly basis. 

Read and agree to the terms and conditions to upgrade immediately.

You can upgrade your plan on the web too. 

Just log in to your Tide account on your browser and click on Tools & Services > Memberships > Upgrade under your new plan. Then, choose whether you’d like to pay monthly or annually. 

Read and agree to the Terms & Conditions, and confirm the upgrade. 

Your fees will be calculated 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. 

It's the same if you're on a free trial – once your trial is over, your fees are calculated pro-rata. You’ll only pay for the remaining days of the month, before we collect the full amount next month.

Let's say your free trial ended on 15 December: 

  • If you've cancelled during your free trial – you'll keep your access until your free trial ends and have no charge, at the end of it

  • If you cancelled after the trial, but before the billing date – you'll have to pay for the remainder of the current month on pro-rata basis and will be downgraded on the 1st of next month

If you're a multi-business member, each business should be upgraded individually.

You can downgrade or change plans through your Tide app by tapping Payments > your initials (top left corner) > Profile and Settings > Membership > Manage your plan.

Then 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.

It's the same if you're on a free trial – once your trial is over, your fees are calculated pro-rata. You’ll only pay for the remaining days of the month, before we collect the full amount next month.

Let's say your free trial ended on 15 December: 

  • If you've cancelled during your free trial – you'll keep your access until your free trial ends and have no charge, at the end of it

  • If you cancelled after the trial, but before the billing date – you'll have to pay for the remainder of the current month on pro-rata basis and will be downgraded on the 1st of next month

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. 

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

Open an account