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How to submit your FATCA declaration

As part of the The International Tax Compliance Regulations, we're required to collect details about your tax residency.

These rules apply to all financial institutions, including Tide, and to ensure we meet global tax compliance standards.

This guide shows you how to:

  • Provide your FATCA and CRS information

  • Submit your details if you're a Sole Trader

  • Submit your details if you're a Registered Business

How the FATCA declaration process works

How the FATCA declaration process works

This process helps work out your tax residency, so your account is in line with international regulations.

  1. Log in to your app provide your details You can also provide them by email if you need

  2. Answer our quick questions These will determine your tax residency

  3. We'll securely hold your information as required by international law Using our internationally certificated standards for data protection

  4. We'll ask for this information periodically to keep our records up to date This will be if your situation changes, or every 1, 3 or 5 years if not

You'll then be all set to continue operating as normal. If you aren't able to provide your details, we may be forced to pause your account as a last resort.

Sole Traders, here's how to submit your details

Sole Traders, here's how to submit your details

Step 1: Log in to your app to provide your details

The easiest and quickest way to submit your details is directly through your Tide app. Providing your details quickly helps avoid disruption to your account.

If your app is updated to the latest version, you'll be guided through the process when you log in.

You can also provide this information through a secure Typeform link via email. Typeform acts as a trusted service provider under a contractual agreement with Tide. They process your data only under Tide’s written instructions and in line with our Privacy Policy

Not sure if an email you received is genuine? Tap Support in the app – we’ll quickly check this for you.

Step 2: Answer where your business pays tax

This is usually where you:

  • Spend most of the year

  • Have your main home or family

  • Have your main life and money ties

Examples:

  • If you live most of the year in the UK, and your home and family are in the UK, You are likely a UK tax resident

  • If you split your time, you might be a tax resident in one or both countries. In the UK, 183+ days in a tax year usually means a UK tax resident. With fewer days, HMRC considers where your home and other ties are. See HMRC’s Statutory Residence Test for details

Step 3: Answer if you're a US person

Step 3: Answer if you're a US person

Under the FATCA regulations, the term US person is defined as:

  • A citizen or resident of the United States

  • A partnership or corporation created or organised in the United States

  • An estate (other than a non U.S. estate)

  • A Trust if a court within the United States is able to exercise primary supervision over the administration of the trust, and one or more United States persons have the authority to control all substantial decisions of the trust

  • The United States Government (including an agency or instrumentality thereof)

  • A US State (including an agency or instrumentality thereof)

  • The District of Columbia (including an agency or instrumentality thereof)

Step 4: Provide your TIN if needed

Step 4: Provide your TIN if needed

If you reside outside of the UK, you'll need to provide your TIN.

Tax Identification Number (TIN) is a unique combination of letters and/or numbers assigned by tax authorities to identify individuals and entities for tax purposes.

You'll normally find it on any correspondence you receive from your tax authority.

Some authorities don't issue a TIN, instead using a similar code, such as Social Security Number (SSN) for individuals in the US, or SIREN in France.

Visit the OECD website for more information about the TIN or its equivalent.

After you provide your FATCA details

What happens with your information

Keeping our records up to date

How your data is securely stored