heart_check Best Deal
Get £200 cashback and up to 4.22% AER when you open a Tide Instant Saver account. Enter this Tide offer code when signing up for a business account and Instant Saver to claim your reward.
Tide Deals for October 2025
Claim £150 cashback when you open a new Tide business bank account and spend £500 within the first 60 days. Apply this Tide voucher code at sign-up to boost your business funds.
Open a Tide business bank account, spend £1,000 within 60 days, and get £100 cashback. Remember to use this Tide promo code when you apply to lock in this fantastic welcome offer.
Earn 1% cashback on all your business card spending until the end of the year with this offer. Apply the Tide voucher code during sign up to activate this offer and get a maximum of £150 back.
Get a £200 cash reward when you process £500 in payments each month for the first 3 months with your new Tide Card Reader. Just enter the Tide discount code to benefit from lower fees and bigger rewards.
Receive £200 cashback when you purchase a Tide card reader and take £500 in payments within 60 days of opening an account. Use this Tide promo code when you sign up to secure this brilliant deal.
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Tide stands as a revolutionary force in the world of business banking, empowering small and medium-sized enterprises (SMEs) across the UK and beyond with seamless financial solutions. Designed specifically for freelancers, contractors, and scaling businesses, Tide transforms traditional banking into a digital powerhouse that saves time and reduces costs. By offering an all-in-one platform, Tide enables entrepreneurs to focus on growth rather than paperwork.
What is Tide?
Tide is a UK-based fintech company that provides business banking services tailored to the needs of modern SMEs. Unlike conventional high-street banks with their hefty fees and rigid structures, Tide delivers a fee-free business account backed by the Financial Services Compensation Scheme (FSCS) protection through ClearBank. Serving over 10% of UK SMEs and more than 1.5 million users worldwide, Tide combines mobile-first banking with innovative tools to streamline everyday operations.
At its core, Tide operates as an e-money institution, offering a fully digital experience accessible via app or web. This means no branches, no queues, and instant access to your finances from anywhere. Whether you’re a sole trader just starting out or a growing business managing teams, Tide’s platform integrates banking, payments, and accounting into one intuitive interface.
Products and Services
Tide offers a diverse range of products and services designed to support every stage of business growth. Their flagship free business account includes essential features like multi-user access and real-time notifications, with premium plans such as Smart Plan, Pro Plan, and Max Plan unlocking advanced capabilities for larger operations.
- Business Accounts: Choose from standard free accounts or upgraded options with higher transaction limits and priority support, all protected up to £85,000 by FSCS.
- Credit Solutions: Access business loans, start-up loans, asset finance, and credit cards with tools like loan calculators and credit score insights to help secure funding quickly.
- Payment Tools: Utilise invoicing, Tap to Pay on iPhone, POS card readers, QR payment codes, and payment links for effortless collections, including international payments in multiple currencies.
- Accounting and Payroll: Integrate with Tide Accounting for seamless VAT returns and Self Assessments, plus Xero connectors and expense management features to keep your books in order.
- Savings and Investments: Earn competitive interest with Tide Instant Saver Account, offering up to 4% AER on balances, variable based on market conditions.
- Company Formation: Register your business for as low as £14.99, including a free bank account, bypassing Companies House fees.
Additionally, Tide provides virtual cards for team spending, merchant cash advances, and revenue-based finance, ensuring businesses have flexible funding options without the red tape of traditional lenders.
Key Features
What sets Tide apart is its suite of user-friendly features that prioritise efficiency and security. The mobile app allows for instant transfers, automated categorisation of expenses, and 24/7 chat support, making banking as simple as checking your emails. International payments are processed at competitive rates, with no hidden fees, ideal for UK businesses expanding globally.
Accounting integrations like Making Tax Digital compliance and payroll tools eliminate the need for separate software, saving hours on admin. For in-person sales, the Tide Card Reader supports unlimited transactions with mobile data included, perfect for market stalls or pop-up shops. Security is paramount, with biometric logins, fraud monitoring, and virtual office addresses for privacy.
Tide’s Tide Rewards programme adds value through cashback and perks, while the Resource Hub offers FAQs, blogs, and case studies to guide users. These features collectively create a holistic ecosystem that evolves with your business needs.
Benefits
Choosing Tide brings tangible benefits for UK businesses, starting with zero monthly fees on the basic account, which can save thousands compared to legacy banks. You’ll enjoy faster payments and real-time insights into cash flow, helping you make informed decisions without delays. For freelancers and contractors, the platform’s simplicity means more time for client work and less for finances.
Scalable plans ensure growing teams can access collaborative tools like shared accounts and expense approvals, fostering efficiency. With FSCS protection and robust anti-fraud measures, your funds are secure, giving peace of mind in an unpredictable economy. Businesses report up to 50% time savings on admin tasks, allowing focus on revenue-generating activities.
Looking to maximise savings on Tide’s services? BudgetFitter is an invaluable resource for UK entrepreneurs, helping track the latest deals and discounts on business tools. You can uncover exclusive offers through the BudgetFitter website, browser extension, or mobile app, ensuring you get the best value from Tide’s ecosystem.
History and Background
Tide was founded in 2015 by a team of fintech innovators aiming to disrupt the outdated business banking sector in the UK. Starting as a digital challenger to high-street giants, it quickly gained traction by addressing pain points like high fees and poor digital experiences. By 2017, Tide had launched its app, attracting thousands of users with its promise of free, accessible banking.
Over the years, Tide has expanded rapidly, securing significant funding and partnerships to enhance its offerings. Today, it serves a vast network of SMEs, with milestones including the introduction of credit products in 2020 and international growth. Committed to innovation, Tide continues to invest in AI-driven tools and sustainable finance options, solidifying its position as a market leader in business fintech.
The company’s ethos revolves around empowering underserved segments like sole traders, who often face barriers in traditional banking. This focus has earned Tide accolades for customer service and innovation, with a community-driven approach that includes affiliate programmes and partnerships.
Special Offers and Savings
Tide frequently rolls out special offers to attract and retain users, such as introductory bonuses on savings accounts or discounted rates on premium plans for new sign-ups. Businesses can benefit from cashback rewards on card spending and reduced fees for high-volume international transfers, keeping costs low as you scale.
For company formation, Tide’s package starting from as low as £14.99 represents significant savings over standard registration fees. Premium features like unlimited transactions come at competitive pricing on upgraded plans, often with trial periods to test the waters. These promotions make Tide an attractive choice for budget-conscious startups.
To stretch your budget further with Tide, savvy users turn to deal-tracking platforms. BudgetFitter excels at spotting time-sensitive discounts on business banking services, accessible via its user-friendly website, browser extension, and mobile app. Stay ahead by signing up for alerts on exclusive Tide offers tailored for UK SMEs.
In summary, Tide redefines business finance by blending accessibility, innovation, and cost-efficiency into a platform that truly works for you. Whether managing daily transactions or planning expansion, Tide equips you with the tools to thrive in a competitive landscape.