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Tide Logo
Tide Logo
Tide Logo

How to manage and maximise your Paid Plan

If you’ve just upgraded to a Tide Paid Plan or are thinking about it, you’re in the right place. We’re here to make sure you get the most out of your experience.

This guide shows you how to:

🔗 Upgrade your Tide plan

🔗 Make full use of your Paid Plan

🔗 Understand your Paid Plan fees

Get to know your Tide Paid Plan

 
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Smart
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Pro
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Max

Monthly fee

£12.49 per month

£27.49 per month

£69.99 per month

Annual fee*

£99.99 per year

£99.99 per year

£219.99 per year

£559.92 per year

Inbound and outbound UK transfers

30 free per month

Unlimited, free*

Unlimited, free*

A stylish, matte black card

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Fees on foreign currency card transactions or ATM withdrawals

0%

0%

0%

0%

0%

0%

Additional Business Current Account

1

1

2

2

3

3

Cashback on all eligible card purchases

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0.5%

0.5%

Team Member with enhanced Team Access

1

1

2

2

5

5

Team Expense Cards seats

1 free seat

1 free seat

2 free seats

2 free seats

3 free seats

3 free seats

Preferential savings rate in Tide Instant Saver

2.50% variable AER**

3.00% variable AER**

3.25% variable AER**

Tide Instant Saver Intro *

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Tide Accounting

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Admin Extra

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Xero Connector

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Credit Score Insights

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Enhanced rewards

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Priority in-app chat support

24/7

24/7

24/7

24/7

24/7

24/7

Phone support

9am - 6pm (Monday to Friday, excluding bank holidays)

9am - 6pm (Monday to Friday, excluding bank holidays)

7 am - 7 pm (Monday to Friday), 9 am - 1 pm (Saturday), Priority callbacks (Sunday)

Priority callbacks on weekends

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Dedicated member support

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* Subject to Tide's fair use policy

** Check out the Summary Box for each plan to fully understand how interest rates work and how they apply to your Instant Saver balances: Smart, Pro, and Max.

Important: Rates shown are correct as of 07 August 2025. Interest rates are subject to change, and some benefits are subject to eligibility.

Upgrade your Tide plan

If you have multiple businesses, you can upgrade the account connected to each one individually.

Through your app

  1. Tap Upgrade in the top-left corner of your app and select your new plan

  2. Choose whether you'd like to pay monthly or annually

  3. Read and agree to the Terms and Conditions and confirm

Through Tide on the web

  1. Tap Tools & Services > Memberships > Upgrade

  2. Choose whether you’d like to pay monthly or annually

  3. Read and agree to the Terms and Conditions and confirm

Make full use of your Paid Plan

Make full use of your Paid Plan

Choose your black card

If you upgrade to a paid plan, you can keep your current blue card or replace it with a stylish matte black card:

  1. Tap Upgrade in the top-left corner of your app

  2. Select your new plan

  3. Tap New black card please 

We'll deliver it to your trading address within 3 to 5 working days, though you'll have access to it in your app straight away. Your subscriptions will be upgraded to your new card automatically.

Once your physical card arrives, perform a Chip and PIN transaction to activate it for contactless payments. This will cancel your old card.

Order your Expense Cards

  1. Go to Pay and tap Cards > + Add card > Team Expense Cards

  2. Enter your team member's details

  3. Select which account you'd like to link to the Expense Card

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

Access your priority in-app and phone support

  1. Tap the Support icon in the top-right of your app

  2. You can start a chat with our team by tapping Messages or call us*

The times you can call us depend on your plan:

  • Smart or Pro plan: 9am to 6pm on weekdays (excluding bank holidays)

  • Max plan: 7 am to 7 pm on weekdays, 9 am to 1 pm on Saturdays, and priority callbacks on Sundays

For your security, our phone support team will take a few minutes to verify your identity.

*Calls will be charged at your standard network rate.

Understand your Paid Plan fees

Your first subscription payment is calculated pro-rata, so you only pay for the days left in that month.

After this, you'll pay the full monthly amount on the 1st of each month.

Your other fees, such as for Expense Cards not included in your plan, will be collected on the 1st as well.

If you’re on a Lite or Smart plan, some of your transfers could be billed on a hybrid model. Find out more about this here.

If you're on a free trial and cancel

If you cancel before the end of your free trial, you'll pay nothing for it and keep your access to the end of your free trial period.

If you cancel after your free trial, but before the 1st of the month, you'll only pay pro-rata for the remainder of the month, and keep your access for this time.

If we can't collect your fees

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

If we’re not able to collect the fees from your main Tide account during our billing cycle, you may go into a negative balance. During this time, you’ll keep access to your Tide subscriptions for a grace period of 90 days.

You can continue to take payments, which will be used to clear your balance. Any new payments you make may bring you further below zero and in some cases, payments may be rejected.

What happens if you go into a negative balance

We’ll remind you if your balance is low before we take payment, and notify you as soon as your balance goes negative.

While your balance is negative, you can still use your subscriptions. Your fees will continue to add up, and you won't be able to take out any new paid-for subscriptions.

If your balance stays negative for 3 consecutive months, we’ll downgrade your subscription and end your access. In some cases, this could happen sooner.

If your balance isn’t settled within a reasonable timeframe, we may recover unpaid fees. You won't pay any interest on fees not paid on your billing date.

Downgrading your Tide plan

Downgrading your Tide plan

Through your app

  1. Tap your initials in the top-left

  2. Tap Profile & settings > Membership

  3. Select your new plan and tap Explore [the plan name] plan

Through Tide on the web

  1. Click Tools & Services > Memberships

  2. Click Downgrade under your new plan

What happens when you downgrade

You'll remain on the plan until the end of that month. Your new plan will start at the beginning of the following month.

When you downgrade your plan, your black card and Expense Cards will remain active. You'll be charged for any Expense Cards you have that aren't included in your new plan.

Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.