BANKING FOR SOLETRADERS

All your sole trader finance needs in one place

Manage your business finances anywhere, anytime with Tide. Open a business bank account today and get built-in tools for invoicing, accounting, expenses and more.

Open an account

A banking app that makes sole trading simple

Get paid on time

Create, send and track invoices in-app, and generate secure payment links to get paid faster.

Automate tax and accounting

Use our simple, built-in accounting software or connect your account to Xero, Sage, and others.

Control company spending

Eliminate manual expense claims and monitor all your company spending with Tide Expense Cards.

Forecast cash flow

Get automated forecasts of incomings and outgoings, and tips for avoiding shortfalls.

Apply for business loans

Start your business or fund its growth with tailored borrowing from our trusted credit partners.

Improve your credit score

Track your business credit score and take steps to improve with our Credit Builder solution.

Smart features at your fingertips

More than 500,000 entrepreneurs take care of their business banking and finances with Tide. Here’s how you could reduce your admin and get more time to do what you love.

Get paid on time with in-app invoices

Generate invoices and send them to customers directly from the Tide app, as soon as you finish the job. Upgrade for automatic late invoice chasing to cut down on your admin.

Generate and send professional invoices

Match payments to invoices to see who’s paid

Spend less time chasing late payments

Invoicing

Control company spending with Expense Cards

Eliminate manual expense claims. Give your team flexibility to make company purchases directly from your account. Set individual spending limits and monitor everything in the app.

Spending itemised by person and category

Upload receipt pics and match to transactions

Monitor spending and change limits instantly

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Simplify taxes with our built-in accounting software

Avoid manual accounting admin with the small business accounting software that’s built into your Tide bank account. Try it for free for 2 months, then pay just £9.99 +VAT a month.

Automate accounting tasks to save valuable time

Get automated, real-time estimates of your tax bill

Simple and easy to use, ideal for busy entrepreneurs

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Forecast cash flow to improve financial health

Keep your finances healthy with automated 30-day cash flow forecasts. Receive actionable tips for maintaining a strong position and track your credit score with Experian.

View status of incoming and outgoing payments

See your predicted account balance 30 days ahead

Get suggested actions to improve your cash flow

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Start or grow your business with affordable borrowing

Your Tide account usage helps us see where credit could help you thrive. We’ll run pre-eligibility checks to show you suitable borrowing options from our partner lenders.

Pre-eligibility checks don’t affect your credit score

Apply online within minutes for business loans

Get quick decisions and receive funds within hours

Learn more

Claire PedleyThe Poured Project

Once I’d filled in the application online, the account was active in about an hour. I can’t stress how easy Tide is to use.

Open a free account

Account plans that scale with your business

Our mission is to save small businesses time and money. That’s why we offer a free business bank account with no monthly fee. Choose the plan that’s right for you now and upgrade any time as your business grows.