Q: How do I upgrade to a paid plan?

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.

Question 1

How do I upgrade to a paid plan?

Accepted Answer

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.

Question 2

How do I downgrade or switch between paid plans?

Accepted Answer

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

Question 3

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.

	Free	Smart	Pro	Max
Monthly fees	Free Free	£12.49 £12.49	£24.99 £24.99	£69.99 £69.99
UK card transactions	Free Free	Free Free	Free Free	Free Free
Foreign currency card transactions	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
Transfers to/from other bank accounts	5 free transfers per month	30 free transfers	Unlimited free transfers	Unlimited free transfers
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
Transfers via CHAPS	£15 per transfer	2 free transfers, then £15 each	2 free transfers, then £15 each	5 free transfers, then £15 each
ATM withdrawals	£1 £1	£1 £1	£1 £1	£1 £1
Cash deposits at the Post Office	0.99% (minimum £2.50)	0.5% (minimum £2.50)	0.5% (minimum £2.50)	0.5% (minimum £2.50)
Cash deposits at a PayPoint	3% 3%	3% 3%	3% 3%	3% 3%
Digital cheque deposits	70p + 20p standard transfer fee	70p + 20p standard transfer fee	70p + 20p standard transfer fee	70p + 20p standard transfer fee
Linked Instant Saver Interest	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 3.29% AER	up to 3.74% AER up to 3.74% AER
Additional accounts	Not available* Not available*	1 free additional account	2 free additional accounts	3 free additional accounts
Expense Cards	Additional team member seats: £5/month each (includes 1 physical card + up to 5 virtual cards)	Seats included: 1 free	Seats included: 2 free	Seats included: 3 free
Virtual debit card	check_circle	check_circle	check_circle	check_circle
Team Access	Free read-only access	1 team member with enhanced access	2 team members with enhanced access	5 team members with enhanced access
Invoicing	Send 3 free invoices per month	Send 3 free invoices per month	Send 3 free invoices per month	Unlimited Unlimited
Payment links	check_circle	check_circle	check_circle	check_circle
Tap to Pay	check_circle	check_circle	check_circle	check_circle
Free integration with third party accounting software	check_circle	check_circle	check_circle	check_circle
Tide Accounting	From £13.99 From £13.99	From £13.99 From £13.99	Tide Accounting free	Admin Extra free
Free Making Tax Digital tools	check_circle	check_circle	check_circle	check_circle
Payroll software	£12 + VAT/month £12 + VAT/month	£12 + VAT/month £12 + VAT/month	£12 + VAT/month £12 + VAT/month	Included Included
Benefits and rewards	Basic member perks	Enhanced rewards	Enhanced rewards	Enhanced rewards and 0.5% cashback on card purchases
Support	Chat support Chat support	Prioritised chat and phone support	Prioritised chat and phone support	Prioritised chat and phone support, dedicated member support and priority callback on weekends
Legal help	Not available Not available	24/7 legal helpline with trademark filing & disputes support	24/7 legal helpline with trademark filing & disputes support	24/7 legal helpline with trademark filing & disputes support
Credit Flex	Subject to eligibility	Subject to eligibility	Subject to eligibility	Subject to eligibility
Inbound SWIFT payments	£1 for transactions <£100 \| £5 for transactions ≥£100	Included in 25 free transfers, standard fee then applies	Free Free	Free Free

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How do I upgrade to a paid plan?

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What services do the legal helpline provide?

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