Brauche ich als Einzelunternehmer*in ein Geschäftskonto? 

Als Einzelunternehmer*in sind Sie nicht verpflichtet, ein Geschäftskonto zu haben und können jedes Konto nutzen. Aus buchhalterischen und steuerlichen Gründen ist es jedoch dringend ratsam, geschäftliche und private Finanzen zu trennen.here. 

You can see your SEPA details in the app, by going to Accounts > Details next to your main account > EUR SEPA.

Tap Share to share them with your customers in SEPA countries and receive payments from them.

We’ll convert any euros you receive into pounds and credit them to your primary GBP Tide bank account, minus a 1.50% FX markup. For paid plan members, the FX markup is 0.5%.

To learn more about SEPA, and how to use it to send or receive international payments, visit the dedicated FAQ page.

You can receive international payments in GBP via SWIFT (Society for Worldwide Interbank Financial Telecommunication) too. To do this, you’ll need your SWIFT account details. 

You can find these in the app by tapping the Accounts > Details next to your main account > SWIFT. Then tap Share to send your details to payors.

The fee for Inbound SWIFT payments in GBP depends on the Tide plan you're on:

• Free - £1 for transactions of up to £100, and £5 for transactions of £100 and above

• Smart - 25 free transactions, then same as the Free plan fee

• Pro - Free

• Max - Free

You can’t send payments via SWIFT but we will let you know if we make this possible in the future.