How much does Tide Smart cost?

Tide Smart costs £12.49 (no VAT applies*) per month. We collect the fee on the 1st of each month, for that calendar month. If you’d like to pay yearly, it's £124.99 (no VAT applies) for 12 months.

Your fees will be calculated pro-rata, meaning that if you upgrade after the 1st of the month, you'll only pay for the remaining days of that month. From next month we’ll collect the full amount.

It's the same if you're on a free trial – once your trial is over, your fees are calculated pro-rata. You’ll only pay for the remaining days of the month, before we collect the full amount next month.

Let's say your free trial ended on 15 December: 

• If you've cancelled during your free trial – you'll keep your access until your free trial ends and have no charge, at the end of it

• If you cancelled after the trial, but before the billing date – you'll have to pay for the remainder of the current month on pro-rata basis and will be downgraded on the 1st of next month

* From 01 October 2025, VAT no longer applies to our Paid Plans, Tide Instant Saver Boost, Construction Cashback Boost, and Expense cards – so it won’t be charged. However you might continue to see it in-app and on the web by 01 November.