TIDE PRO PLAN

Pro benefits vary depending on whether you have a Tide Business Current Account – see the difference below.

If you have a Tide Business Current Account, you’ll get:

• Unlimited, free, inbound and outbound UK transfers (subject to Tide's fair use policy)

• 2 free Team Expense Cards seats

• Tide Accounting – to make your bookkeeping and tax preparation simpler. 

• A preferential savings rate – Earn between 3.09% AER  and 3.29% AER (variable) on savings up to £150,000 in the Tide Instant Saver Account. Enjoy a tiered interest structure. Each portion of your balance earns its own rate. For full details, see the Summary Box

• 24/7 priority in-app chat support

• 9am - 6pm phone support - weekdays (excluding bank holidays) 

• 24/7 access to a legal helpline (Irwin Mitchell LLP)

• A stylish, matte black card

• 0% fees on foreign currency card transactions or ATM withdrawals

• 2 Additional Business Current Account

• 2 Team Members with enhanced Team Access 

• Enhanced rewards

Important: Rates shown are correct as of 18 December 2025. Interest rates are subject to change, and some benefits are subject to eligibility.

If you only have a Tide Instant Saver Account, you won’t get:

• Free inbound or outbound transfers

• 0% fees on foreign currency card transactions or ATM withdrawals

• Additional Business Current Accounts

• A Tide card

• Team Expense Cards seats

These benefits require certain features that only come with a Tide Business Current Account. See more about the advantages of opening one over on this page. If you have any questions, tap Support in the app and we’ll help you.

The plan costs £27.49 per month. We’ll take payment on the 1st of each month for that calendar month.

If you decide to pay annually, your Pro plan is £219.99 per year. 

We won’t charge you VAT on your paid plan.

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

To upgrade in the app, tap: 

Upgrade in the top-left corner of the app > select Pro > choose whether you’d like to pay monthly or annually. 

Read and agree to the terms and conditions to upgrade immediately.

To upgrade via Tide on the web, click on:

Tools & Services > Memberships > Upgrade under your new Pro plan. Then, choose whether you’d like to pay monthly or annually. 

Read and agree to the Terms & Conditions, and confirm the upgrade.

Fees are 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 the following 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

If you're a multi-business member, each business should be upgraded individually.

Our Paid Plans give you preferential interest rates applicable to your Tide Instant Saver Account. Changing your Tide Plan also means changing the interest rate of your Tide Instant Saver account.

You can upgrade your Tide Plan, for example from our Free Plan to Smart, or from Pro to Max, at any time. 

Interest for your Tide Instant Saver is calculated daily, based on the balance available on your Tide Instant Saver account at the end of the day, and paid monthly into your Tide Instant Saver account. The interest rate applicable to your Tide Instant Saver Account, including the interest-earning thresholds and limits, will be aligned to your new Tide Plan on the same day as the upgrade. 

Cancellation or downgrade will take effect on the first day of the following calendar month. The interest rate applicable to your Tide Instant Saver account, including the interest-earning thresholds and limits, will also be aligned to your new Tide Plan on the first day of the following calendar month.

Our billing cycle runs from the 1st to the last day of each month, and payments are collected on the 1st.

If you downgrade your plan on or after the 1st of the month, we’ll still charge you for that month, and the downgrade will take effect from the beginning of the next month.

If you upgrade your plan, the first month you’ll be charged pro-rata – so, if you upgrade on the 16th, you’ll only pay for the days remaining in that month. Starting from the next billing cycle, we’ll collect the full monthly price of your new plan, on the 1st. If you're on a free trial and want to downgrade, make sure to do so before the last day of the month in which your trial ends. 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

If we can’t collect the fee on the 1st of the month because there isn’t enough money in your account, we’ll try again every day until the end of the month.

If we aren’t able to collect the fee, we’ll automatically downgrade your account and you’ll lose access to the paid plan on the 1st of the following month.

We’ll automatically start printing and shipping your black card when you upgrade to your new plan. You can expect it to be delivered to your trading address within 3 to 5 working days.

You get unlimited, free, inbound and outbound transfers. (subject to Tide's fair use policy). You can make payments in pounds sterling using:

• Direct Debit

• Faster Payments

You can receive payments in pounds sterling using:

• Direct Debit

• Faster Payments

• CHAPS

• BACS * Transfers between your main Tide Account and your Tide Instant Saver (if you have one), are always free.

We have to charge Value Added Tax (VAT) on the fee for some of Tide’s paid services. That’s because the fee is for ‘value added’ services associated with your membership.

The VAT charged is the standard rate. You can read more about VAT rates on Gov.uk.

Starting on 1 October 2025, we no longer charge you VAT for the following products:

• Paid plans – Smart, Pro, Max

• Boosts – Tide Instant Saver Boosts, Construction Cashback Boost

• Team Cards

This update follows a review by HMRC, where they granted us VAT-exempt status for some of our core products.

Please note that past VAT payments prior to 1 October 2025 are non refundable.

Why am I seeing VAT applied to my plan in my app?

Once HMRC confirmed that VAT will be removed, we passed this benefit on to you straight away and communicated this change via email. 

If you notice that some parts of the app, website, or Terms and Condition  still show VAT being charged, don’t worry – we’re updating that by 1 November 2025.

Rest assured that if you buy a paid plan or any of the products we mentioned above after 1 October 2025, no VAT will be applied.

If you’d like to review these, you can read and save our plan T&Cs – they cover our Smart, Pro and Max plans.

If you’ve got a question, you can message us in the Tide app or email hello@tide.co.