About Tide
Tide is a UK-based all-in-one business finance platform that provides a free business current account via a banking partner, along with tools to manage payments, expenses, invoicing, and bookkeeping. It also offers additional features such as Tide Accounting, business savings, a card reader for in-person payments, and HMRC-recognised payroll and lending options through partner lenders. With FSCS protection on the bank account and 24/7 in-app support, Tide is designed to help small businesses, freelancers and contractors run their finances more efficiently.
What Tide offers
- Free business current account with value-added tools
- In-app invoicing, payment links and Tap to Pay on iPhone
- Expense management with Tide Cards and receipt capture
- Built-in Tide Accounting and easy export to accounting software (e.g., Xero, Sage)
- Cash flow forecasting and budgeting insights
- Access to business loans from partner lenders
- Savings with Tide Instant Saver up to 4% AER (variable) for eligible periods
- Card reader for in-person payments and Pay by Link capabilities
- 24/7 in-app chat support and FSCS protection via the banking partner
- Free third-party software integrations and accounting exports
What sets Tide apart
- All-in-one platform for banking, payments, invoicing, and accounting to save time and admin
- No monthly fee on the free plan; scalable paid plans for growing businesses
- Trusted by over 1.5 million businesses with FSCS protection on the bank account
- Quick access to borrowing from trusted partner lenders with pre-eligibility checks
- Built-in tools to help manage taxes, cash flow, and expenses in one place
- Regular features for both digital and in-person payments (invoicing, cards, Pay links, Tap to Pay)