Tide
New£200 cashback when you open a current account and an Instant Saver account
Save up to $200
No account required. Your secret will be saved in your browser.
About Tide
Tide is a UK-based business financial platform trusted by over 2 million sole traders, freelancers, and limited companies. It combines a free business current account with a full toolkit for running a company, covering payments, invoicing, accounting, expense management, payroll, and access to credit, all managed through a single app.
Opening an account takes minutes, and there are no monthly fees on the free plan. From there, you can create and send invoices, connect to accounting software like Xero, issue expense cards to team members, and track spending with budgets and virtual cards. Tide’s own accounting tools are HMRC-recognized and Make Tax Digital-ready, so you can automate bookkeeping and file returns without paying for separate software.
Tide also acts as a launchpad for new companies. Founders can register a limited company through the platform for a fraction of the standard Companies House route and receive their certificate of incorporation within one business day, with a business account set up alongside it.
For growing business, Tide provides access to finance from over 80 lenders, with loans ranging from £1,000 to £20 million and eligibility checks that don’t affect credit scores. Savings accounts, card readers, tap to pay, payment links, and business insurance round out the offering. Deposits in the Tide Business Current Account are FSCS-protected through ClearBank, and 24/7 in-app support comes as standard.
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Eligibility
- New customers only
- This offer is only available to UK-based limited companies, sole traders, and other eligible commercial enterprises.
Features
Free business current account
Tide offers a business account with no monthly recurring fees, set up in minutes. Eligible deposits are FSCS-protected through ClearBank, giving you banking security without the cost of traditional providers.
Company registration
You can register a limited company directly through Tide for a small one-off fee, far below the standard Companies House cost, and receive your certificate of incorporation within one business day.
Invoicing tools
You can create, send, and track professional invoices from within the app. Payment details are included automatically, and incoming payments can be matched to invoices so nothing slips through the cracks.
Tide Accounting
Tide’s HMRC-recognized, Making Tax Digital-ready accounting tools let you automate bookkeeping and file tax returns for free, removing the need for separate accounting software in many cases.
Expense cards and virtual cards
You can issue physical expense cards to your team members and create virtual cards for online spending, with every transaction tracked in the app for cleaner expense management and budgeting.
Business loans and credit
Tide connects you with over 80 lenders, offering loans from £1,000 to £20 million. Eligibility checks take minutes and don’t affect credit scores, making funding decisions faster and lower risk.
Payment acceptance
From POS card readers and tap to pay on mobile to payment links and QR codes, Tide gives you multiple ways to get paid in person and online without extra hardware costs.
Payroll and team access
Tide includes HMRC-recognized payroll software for running payday smoothly, plus team access controls so staff and accountants can view or manage the account with the right level of permission.
