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Submission: On February 11 via api from US — Scanned from DE
Effective URL: https://www.tide.co/
Submission: On February 11 via api from US — Scanned from DE
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<p style="margin-bottom: 30px; font-size: 12px; line-height: 1.2em;">By subscribing you agree to receive marketing communications from Tide. You can unsubscribe anytime using the link in the footer of any of our emails. See our
<a href="https://www.tide.co/privacy/">privacy policy</a>.</p>
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<p style="color: #4a4a4a; margin: 0 0 12px 0;">Welcome to the Tide community!</p>
<p style="color: #4a4a4a; margin-bottom: 15px;">Contact our Support team now on <span style="white-space: nowrap;"><i class="material-icons">phone</i> <strong>01277 284499</strong></span>. They are on hand to answer any questions you may
have about opening a Tide account or any of our products, 9am - 6pm daily.</p>
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</form>Text Content
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* Business accounts
ACCOUNTS
* Free business account
* Tide Instant Saver Account
* Tide Plus account
* Tide Pro account
* Tide Cashback account
* Switch to Tide
* Pricing
FEATURES
* All features
* Tide Accounting
* Tide Card reader
* Accounting integrations
* Expense Cards
* Invoicing
* Direct Debit
* Open banking
* Borrow
* Business Loans
* Start Up Loans
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* Register a company
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* Support
* Help and FAQs
* Report fraud ⚠
* Contact us
* Small business tips
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* Partner with us
* Service status
* Careers
Open an account Log in to web
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Open an account Log in to web
BUSINESS BANK ACCOUNT
READY FOR BUSINESS
Powerful and simple. Apply today through Tide to open an FSCS protected bank
account provided by ClearBank.infoTide offers bank accounts provided by
ClearBank. ClearBank Ltd is Authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority (Financial Services Register number: 754568). Registered Address: 13
Dirty Lane, Borough Yards, London, SE1 9PA.
Open an account
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FOR COMPANIES OF ALL SHAPES AND SIZES
FREELANCERS
Straightforward business current accounts at no monthly cost to get started for
sole traders, consultants and contractors
SMALL BUSINESSES
Limited companies save time with accounting integration, invoicing directly from
the app and Expense Cards for easy expense management
SCALING BUSINESSES
Upgrade to our Plus or Premium memberships when your business needs more support
and enjoy exclusive perks
ACCOUNT PLANS THAT SCALE WITH YOUR BUSINESS
Our mission is to save small businesses time and money. That’s why we offer a
free business bank account with no monthly fee. Choose the plan that’s right for
you now and upgrade any time as your business grows.
* Free
* Plus
* Pro
* Cashback
* Your Tide business card
* Expense Cards for your team
* Transfers in & out
* ATM withdrawals
* Read access for team members
* Scheduled payments
* Accounting integrations - Quickbooks, Xero, Sage and more
* Multi-business - hold up to 5 business accounts
* Create and send invoices for free
* 24/7 fraud helpline
* Priority in-app support
* Phone support infoMembers, on any plan, can call the Fraud Rapid Response
team by calling 159. Use +44 20 4587 0366 if you're calling from abroad.
Lines are open 24/7.
* 24/7 legal helpline
* Exclusive member perks
* Support with trademark filing and disputes infoDepending on the nature of
trademark services, additional fees may be incurred on a case by case basis
* Dedicated team of account managers
* 0.5% cashback with your Tide card infoTerms apply
FREE
£0.00 monthly
* Your Tide business card Free
* Expense Cards for your team £5 / month
* Transfers in & out 20p per transfer
* ATM withdrawals £1
* Read access for team members check
* Scheduled payments check
* Accounting integrations - Quickbooks, Xero, Sage and more check
* Multi-business - hold up to 5 business accounts check
* Create and send invoices for free check
* 24/7 fraud helpline check
* Priority in-app support close
* Phone support infoMembers, on any plan, can call the Fraud Rapid Response
team by calling 159. Use +44 20 4587 0366 if you're calling from abroad.
Lines are open 24/7. close
* 24/7 legal helpline close
* Exclusive member perks close
* Support with trademark filing and disputes infoDepending on the nature of
trademark services, additional fees may be incurred on a case by case basis
close
* Dedicated team of account managers close
* 0.5% cashback with your Tide card infoTerms apply close
PLUS
£9.99 +VAT monthly
* Your Tide business card Free
* Expense Cards for your team 1 free expense card included
* Transfers in & out 20/month free
* ATM withdrawals £1
* Read access for team members check
* Scheduled payments check
* Accounting integrations - Quickbooks, Xero, Sage and more check
* Multi-business - hold up to 5 business accounts check
* Create and send invoices for free check
* 24/7 fraud helpline check
* Priority in-app support check
* Phone support infoMembers, on any plan, can call the Fraud Rapid Response
team by calling 159. Use +44 20 4587 0366 if you're calling from abroad.
Lines are open 24/7. check
* 24/7 legal helpline check
* Exclusive member perks check
* Support with trademark filing and disputes infoDepending on the nature of
trademark services, additional fees may be incurred on a case by case basis
check
* Dedicated team of account managers close
* 0.5% cashback with your Tide card infoTerms apply close
PRO
star_rateNew £18.99 +VAT monthly
* Your Tide business card Free
* Expense Cards for your team 2 free expense cards included
* Transfers in & out Unlimited
* ATM withdrawals £1
* Read access for team members check
* Scheduled payments check
* Accounting integrations - Quickbooks, Xero, Sage and more check
* Multi-business - hold up to 5 business accounts check
* Create and send invoices for free check
* 24/7 fraud helpline check
* Priority in-app support check
* Phone support infoMembers, on any plan, can call the Fraud Rapid Response
team by calling 159. Use +44 20 4587 0366 if you're calling from abroad.
Lines are open 24/7. check
* 24/7 legal helpline check
* Exclusive member perks check
* Support with trademark filing and disputes infoDepending on the nature of
trademark services, additional fees may be incurred on a case by case basis
check
* Dedicated team of account managers close
* 0.5% cashback with your Tide card infoTerms apply close
CASHBACK
£49.99 +VAT monthly
* Your Tide business card Free
* Expense Cards for your team 3 free expense cards included
* Transfers in & out Unlimited
* ATM withdrawals £1
* Read access for team members check
* Scheduled payments check
* Accounting integrations - Quickbooks, Xero, Sage and more check
* Multi-business - hold up to 5 business accounts check
* Create and send invoices for free check
* 24/7 fraud helpline check
* Priority in-app support check
* Phone support infoMembers, on any plan, can call the Fraud Rapid Response
team by calling 159. Use +44 20 4587 0366 if you're calling from abroad.
Lines are open 24/7. check
* 24/7 legal helpline check
* Exclusive member perks check
* Support with trademark filing and disputes infoDepending on the nature of
trademark services, additional fees may be incurred on a case by case basis
check
* Dedicated team of account managers check
* 0.5% cashback with your Tide card infoTerms apply check
WHY SWITCH TO TIDE?
* Get all your business admin done in one place effortlessly by switching your
existing business bank account over to Tide with the Current Account
Switching Service.
* It’s free, easy and we’ll handle all of it for you.
* Simply fill out your old bank details and the switch will be done
automatically, reliably and hassle-free.
Switch to Tide today
TRUSTED BY 500,000+ UK BUSINESSES
PROTECT YOURSELF FROM FRAUD
Fraud is on the rise, so we’ve put together some tips to help you stay ahead of
scams.
Understanding the key information on our fraud page - such as that Tide will
never ask you to share your details or move funds to another account - can help
keep your finances safe.
If you need support, call our Fraud Rapid Response team 24/7 on 159 (supported
by Stop Scams UK).
Protect yourself from fraud
REGISTER YOUR LIMITED COMPANY AND OPEN A TIDE ACCOUNT ALL IN ONE GO
* IT’S FREE
We pay the incorporation fee on your behalf and give you a free business
account.
* IT’S FAST
Apply within minutes and get set up all in one go.
* IT’S SAFE
We’re an approved formation agent with a secure Companies House integration,
so you’re in good hands.
Get started
MORE THAN JUST AN ACCOUNT
Our business current account is packed with features which save you time and
money:
* AUTO-CATEGORISATION
We automatically tag your income and spending. Customise the labels to suit
your company.
* EASY EXPENSES
Upload receipts, auto-match them to transactions, add a note if you like and
it’s all stored digitally.
* SYNC WITH ACCOUNTANCY SOFTWARE
Link your account to software like Xero, QuickBooks, Sage and more.
* SEND, PAY AND TRACK INVOICES
No need for a separate system, keep on top of your invoices directly in our
app.
EASY ACCOUNT ACCESS
DESKTOP ACCESS
Manage your finances in a way that works for you, whether it’s in the palm of
your hand, or from your computer.
READ ACCESS FOR YOUR TEAM
Invite business partners, colleagues or your accountant to view and download
transactions.
EXPORT CSV FILES
Download all your payments, attachments and notes, then upload them to any
accounting software.
SYNC UP WITH YOUR ACCOUNTING SOFTWARE
Forget uploading CSVs – connect your account to Xero, QuickBooks, FreeAgent,
Sage, KashFlow and Reckon.
CONTACTLESS MASTERCARD
We’ve made it easy to manage your Tide card so you stay in control.
* FREE BUSINESS MASTERCARD
Spend on your card in the UK and abroad with no fees and no commission.
(Getting cash from an ATM costs £1 and some machines might charge an extra
fee.)
* INSTANT CARD MANAGEMENT
Stay in control from anywhere. Use the app to freeze, unfreeze, or cancel and
re-order your card.
* COMPANY EXPENSE CARDS
Order up to 50 Tide Expense Cards for your team and keep track of who's
spending what. Set up additional accounts to set aside money for expenses.
* USE EVERYWHERE
Spend in shops, buy online and withdraw cash worldwide wherever Mastercard is
accepted.
PLUS EVERYTHING ELSE YOU MIGHT NEED
update
RAPID SETUP
Get a sort code and account number in minutes.
security
PROTECTED AND TRUSTED
Instant card freezing and real-time notifications – used by 500,000+ members.
support_agent
IN-APP SUPPORT
Our Member Support team are available to help 24/7, 365.
FREQUENTLY ASKED QUESTIONS
WHO CAN OPEN A TIDE ACCOUNT?
We offer business accounts to directors of limited companies or sole traders.
If you’re a director of a limited company, your company must be registered with
Companies House. If you haven’t done this yet, we can register your company and
even pay the Companies House admin fee for you.
If you’re a sole trader or freelancer, you must have a valid UK home address and
be registered with HMRC. To register with HMRC, you just need to get in touch at
gov.uk and follow the site navigation to let HMRC know you’re now self-employed.
We welcome everyone to apply for a Tide account. Our mission is to empower
diverse and often under-represented small and medium business owners who lack
access to financial services. We don’t discriminate against anyone on the basis
of political beliefs, religion, race, or any other characteristic protected by
law.
However, we can’t provide services for everyone.
When someone wishes to join Tide, we calculate their risk factors. These risk
factors include what type of business they have, how their business makes money
and which industry it operates in. If this risk is too high for us to support,
we won’t accept their application.
This is to make sure that we keep Tide members safe, that we have the resources
to fully support them and their businesses in line with our regulatory
requirements.
As a result, we can’t accept anyone whose business is funded fully or in part by
regular donations, as these carry specific risks that we are not currently able
to service. This is especially true if we or the business owner is unable to
trace where these funds are coming from.
We are also unfortunately unable to accept businesses in the following
industries:
* The holding, managing and/or controlling of a third party’s
(client’s/customer’s) funds in the Tide account. This includes using the
funds on behalf of other individuals Insurance companies (incl. insurance
brokers)
* Trading of cryptocurrencies
* The wholesale of precious metals and stones
* Investments (incl. real estate investments)
* Money services (such as foreign exchange, loan providers, money transfers)
* Casinos, prize draws and other betting or gambling activities
* Sale of unlicensed pharmaceuticals
* Sale or trade of cannabidiol (CBD) products
* Trading of weapons, explosives or armaments
* Unlicensed trading and processing of scrap metal
* Unlicensed waste management
* Sale, import and export of used vehicles or heavy machinery
* Escort services and other services in the adult industry
* Bidding fee auctions
* Non-profit organisations, including charities CICs and CIOs
We understand that this won’t be good news for some people. But we have to do
this so we can fully support the financial strength and safety of our new and
existing members.
You’re always welcome to get in touch with us at hello@tide.co if you have any
questions or comments about this.
IS MY MONEY SAFE WITH TIDE?
Yes.
If you have a ClearBank account, like most of our members, then eligible
deposits up to £85,000 are protected by the UK Government’s deposit guarantee
scheme, the Financial Services Compensation Scheme (FSCS). You can tell whether
your account is a ClearBank account, if its sort code is 04-06-05.
In the past we offered e-money accounts to new customers, which we no longer do.
If you still have an e-money account with us, then the funds in your account are
stored and protected. With an e-money account, your money is never invested or
loaned out, and is safeguarded in line with regulatory requirements. FSCS
protection does not apply to the legacy e-money accounts. You can tell whether
your account is a legacy e-money account, if its sort code is 23-69-72.
WHAT'S THE DIFFERENCE BETWEEN AN E-MONEY ACCOUNT AND A BANK ACCOUNT?
With a bank account, eligible deposits will be protected up to £85,000* by the
Financial Services Compensation Scheme (FSCS).
E-money accounts store your money in electronic form which can be used to make
payments. Your money is held in a Safeguarding Account. This means your money is
kept separate from the funds we use to run Tide.
*Eligible deposits with ClearBank are protected up to a total of £85,000 by the
Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee
scheme. This limit applies to the total of any deposits you have with ClearBank.
Any total deposits you hold above this limit are unlikely to be covered.
I'M A TIDE MEMBER. HOW DO I KNOW WHETHER I HAVE A PPS OR A CLEARBANK ACCOUNT?
There are 3 ways in which Tide members can identify if they have a PPS or
ClearBank account:
1. Sort Codes: If the sort code is 04-06-05 – the account is with ClearBank, if
the sort code is 23-69-72 – it is with PPS
2. Statements: The footer of members’ statements will give details of the
account provider and terms
3. By requesting an Account Verification Letter (AVL) from Tide
DOES TIDE OFFER BANK ACCOUNTS?
Yes!
We offer FSCS-protected bank accounts provided by ClearBank Ltd.
ClearBank is authorised by the Prudential Regulation Authority and regulated by
the Financial Conduct Authority and the Prudential Regulation Authority under
registration number 754568. Eligible deposits with ClearBank are protected up to
a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the
UK’s deposit guarantee scheme. For further information visit fscs.org.uk.
WHAT ID WILL I NEED TO OPEN A BANK ACCOUNT WITH TIDE?
We’ll be able to verify your identity from most European National ID cards,
international driving licences and passports.
IS TIDE A BANK?
No, Tide isn’t a bank.
Tide is a business financial platform and the leading provider of digital
business banking services in the UK! We are regulated by the Financial Conduct
Authority (FCA) and offer e-money accounts, provided by PrePay Solutions (PPS),
as well as business bank accounts, provided by ClearBank.
We believe that this model gives us the opportunity to provide a wider range of
products and services to our members, helping them to save time (and money) on
their financial admin.
HOW LONG DOES IT TAKE TO OPEN A BANK ACCOUNT WITH TIDE?
On-boarding timeframes vary depending on the types of applications we receive,
but more than half of our new members this year opened their bank account in
less than 10 minutes.
To be exact, 53% opened their accounts in under 10 minutes, 70% in under 60
minutes, and 81% within 48 hours. Even if your business is a bit more complex
and we can’t complete your application right away, if you meet our eligibility
requirements it’ll still be far quicker than most high street banks!
Saving our members time is at the core of what we do, so we’re always working to
optimise and improve wait times. You can read about why we sometimes need a
little more information on our blog.
CAN A CHARITY OPEN A BANK ACCOUNT WITH TIDE?
Unfortunately, registering charities requires us to follow a different set of
rules which would take us away from our main mission as a company. We may
support these types of organisations in the future, but we’re currently focused
on offering the best experience for small and medium-sized businesses.
DO YOU CARRY OUT CREDIT CHECKS?
No! To open a current account, we perform electronic checks (run by third-party
services) to verify your identity and comply with UK anti-money laundering
regulations. While these checks will not impact your credit score, they will
appear on your credit report.
CAN I APPLY FROM OUTSIDE THE UK?
Yes! However, you must have a UK residential address. Applicants who are not
based in the UK may apply for a business bank account, as long as they are
directors of a company registered with UK Companies House. In some cases, we may
have to complete additional checks in order to process your application.
Don’t forget – you’ll need to switch your App or Google Play store to the UK to
download Tide.
DOES TIDE OFFER A SWITCHING SERVICE?
Tide has recently joined the Current Account Switch Service.
You can find out more about this in your Tide app by tapping ‘Support’ >
‘Messages’.
HELP, MY QUESTION ISN’T ANSWERED HERE…
Find answers to all our most frequently asked questions and how to contact our
Member Support team.
BUSINESS TIPS FROM OUR EXPERT COMMUNITY
HOW TO START A BUSINESS IN THE UK: 9 ESSENTIAL STEPS
THE COMPLETE GUIDE TO SMALL BUSINESS ACCOUNTING (WITH STEP-BY-STEP ADVICE)
NET PROFIT MARGIN: WHAT IT IS & HOW TO CALCULATE IT
20 BUSINESS IDEAS YOU CAN GET STARTED WITH IN 2024
AN IN-DEPTH GUIDE TO STARTING AN ONLINE BUSINESS
HOW TO CREATE A BUSINESS PLAN: A COMPLETE GUIDE TO WRITING YOUR COMPANY ROADMAP
EVERYTHING YOU NEED TO KNOW ABOUT VAT
SMALL BUSINESS TAX: A SIMPLE GUIDE
WHAT IS AN INVOICE AND HOW DO I RAISE ONE? A GUIDE TO GETTING PAID
EXPENSES: WHAT THEY ARE AND HOW SMALL BUSINESSES CAN MANAGE THEM
HOW MUCH DOES IT COST TO START A BUSINESS IN THE UK?
WHAT’S THE DIFFERENCE BETWEEN DIRECT DEBITS AND STANDING ORDERS?
GETTING STARTED IS EASY
No queuing or appointment required
1. DOWNLOAD THE APP
On play store or app store
2. TELL US ABOUT YOUR COMPANY
Like what you do and any shareholders
3. SCAN YOUR ID AND TAKE A SELFIE
To securely verify who you are
4. MOST ACCOUNTS APPROVED IN MINUTES
Sometimes we ask for more information
5. check_circle
YOU’RE UP AND RUNNING!
Your account is ready to go, we’ll get your card to you in a couple of days
A BUSINESS BANK ACCOUNT THAT'S FREE, EASY TO OPEN, AND HELPS YOU START DOING
WHAT YOU LOVE.
Tide is about doing what you love. That’s why we’re trusted by 500,000+ sole
traders, freelancers and limited companies throughout the UK.
Open an account
4.7, 27k
4.6, 3.7k
STAY IN THE LOOP
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INDEPENDENT SERVICE QUALITY SURVEY RESULTS
Business current accounts
Published August 2023
As part of a regulatory requirement, an independent survey was conducted to ask
approximately 1,200 customers of each of the 15 largest business current account
providers if they would recommend their provider to other small and medium-sized
enterprises (SMEs*). The results represent the view of customers who took part
in the survey.
OVERALL SERVICE QUALITY
We asked customers how likely they would be to recommend their business current
account provider to other SMEs.
View full survey results
COMPANY
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Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide
is not a bank.
Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic
Money Regulations 2011 under firm reference number 900843 for the issuing of
electronic money and the provision of payment initiation services and account
information services under the Payment Services Regulations 2017. Tide is also
authorised and regulated by the Financial Conduct Authority in relation to its
credit and insurance broking activities (firm reference 718743). Tide is
incorporated and registered in England and Wales with company number 09595646
and registered office at 4th Floor The Featherstone Building, 66 City Road,
London, EC1Y 2AL.
Tide offers bank accounts provided by ClearBank® Ltd (ClearBank) (account sort
code is 04-06-05). ClearBank is authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority under registration number 754568. Eligible deposits with
ClearBank are protected up to a total of £85,000 by the Financial Services
Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further
information visit fscs.org.uk.
Some of Tide’s members also hold e-money accounts provided by Prepay Solutions
(PPS) (account sort code is 23-69-72). PPS is a trading name of Prepay
Technologies Ltd which is an electronic money institution authorised by the FCA
under the Electronic Money Regulations 2011 under firm reference number 900010
for the issuing of electronic money. PPS holds an amount equivalent to the money
in Tide current accounts in a safeguarding account which gives customers
protection against PPS’ insolvency.
Tide Cards may be issued by both Tide and PPS, who are licensed by Mastercard
International for the issuance of cards. The issuer of your Tide card will be
identified on your monthly card statement.
Tide, the Tide logo, the Swell, and Do less banking are trademarks and trade
names of Tide Platform Limited, and may not be used or reproduced without the
consent of the owner.
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Welcome to the Tide community!
Contact our Support team now on phone 01277 284499. They are on hand to answer
any questions you may have about opening a Tide account or any of our products,
9am - 6pm daily.
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