How long do outbound payments take?

Transfers and future-dated payments from your Tide account are sent as Faster Payments.

If you set up a transfer, the payment should arrive in your payee's account within minutes. This will depend on where you're sending the money. Some banks can take two hours or more to process Faster Payments so it might take up to four hours to arrive with your payee.

If you've set up a transfer and it still hasn't arrived after four hours, message us and we'll do our best to help. In the app, go to Support to send us a message.

Good to know: Tide to Tide transfers are instant.

When you're on hybrid billing, we won't immediately charge you the fee for:

• All your Faster Payments

• CHAPS you receive

• Direct Debits you send

• Bankers' Automated Clearing Services (BACS) – that includes Direct Credits – you receive

When confirming the transaction, you’ll see on the transaction screen an icon noting that we'll keep track of these fees all through the month. On the 2nd of the following month, we'll collect them as an aggregated total.

Hybrid billing is now available to some of our new members. If you are billed in-line with each transaction and see the fee appear within the transaction screen, then you're still not on hybrid billing.