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When will I get my UTR number?

When you register a company, Companies House will automatically inform HMRC. HMRC will send a letter to your registered address with your UTR number. It can take up to three weeks for this letter to be received. If you do not receive your UTR number within 3 weeks, you can contact HMRC directly.

Members on our Free plan will be charged an additional fee of 2.75% of the transaction amount, for card payments or ATM withdrawals in foreign currencies. 

  • UK: 0300 200 3410

  • Outside UK: +44 151 268 0571

(*The mag stripe, or magnetic strip is a type of security that was common in the UK prior to the introduction of Chip and PIN. It works by taking information held in the black strip on the back of the card to make payments.)

  • Brazil

  • India

  • Indonesia

  • Kuwait

  • Mexico

  • Moldova

  • Myanmar

  • Pakistan

  • Philippines

  • Romania

  • Saudi Arabia

  • Thailand

  • Turkey

  • United Arab Emirates

  • Vietnam

You won't be able to use your card in the countries listed below:

  • Afghanistan

  • Belarus

  • Bosnia & Herzegovina

  • Burundi

  • Central African Republic

  • Cuba

  • Dafur region of Sudan

  • Democratic People's Republic of Korea (North)

  • Democratic Republic of Congo

  • Eritrea

  • Guinea

  • Iran

  • Iraq

  • Lebanon

  • Libya

  • Mali

  • Myanmar

  • Nicaragua

  • Republic of Guinea-Bissau

  • Russia

  • Somalia

  • Sudan

  • Syria

  • Ukraine sanctioned regions (Donetsk, Crimea, Kherson, Luhansk and Zaporizhzhia)

  • Venezuela

  • Yemen

  • Zimbabwe

If you need to transact in these countries, get in touch via the app and speak to our Member Support team.

Should I carry another card?

Your card should work abroad, but we always recommend taking a backup so you have options while you're travelling.

Safety & Security

We have fraud monitoring systems in place in the UK and internationally for our members' protection. These systems may sometimes block certain payments if they look fraudulent, including transactions abroad. If you're having trouble with a transaction or a payment is wrongly declined, please get in touch with our Member Support team via the in-app chat.

Did you find this information useful?

Need to get in touch?

Searching our help articles is usually the quickest and easiest way to get answers. If you still can't find what you’re looking for, contact us in-app or via hello@tide.co