Tide is a UK-born fintech that simplifies business banking for freelancers and small companies. Expect fast account setup, mobile-first expense tools, integrated invoicing, and swipe-ready business cards — all built to keep cash flow tidy and bookkeeping painless.
Founded2015
HeadquartersLondon, UK
Main focusBusiness banking for small enterprises
Price tier$$
Why Tide
Top reasons business owners choose Tide
01Instant, low-friction onboardingOpen a business account quickly from your phone with identity checks and minimal paperwork — designed for busy founders and sole traders.
02Tools that match small-business needsInvoicing, expense cards, and real-time transaction categories help you run payroll, bill clients, and control spending without separate apps.
03Accounting and partner integrationsSyncs with major accounting platforms, integrates payments and bookkeeping, and offers partner lending options to support cash-flow gaps.
01
Business cards built for control
Tide’s physical and virtual business debit cards are engineered for modern teams: instant card issuance, create-and-cancel virtual numbers, spending limits per user, and immediate transaction notifications. For mobile-first entrepreneurs, this removes reconciliation headaches and gives clear visibility across team expenses.
02
Invoicing and bookkeeping, simplified
Create, send and track invoices directly from the app, then reconcile payments against automated categories. Native integrations with common accounting tools reduce manual data entry and speed month-end — a practical workflow for freelancers and microbusinesses.
Offerings
Business bank accountsBusiness debit cardsInvoicing toolsExpense managementAccounting integrationsCash flow and lending partnersMulti-user access & controlsPayments and transfers
Final take
What we like
- Fast mobile onboarding and easy verification
- Low fees and transparent pricing tiers
- Integrated invoicing and automated categorisation
- Useful integrations with popular accounting platforms
Worth knowing
- No extensive branch network or cash-deposit services
- Some advanced banking features are limited compared with traditional banks
- Lending options can be partner-dependent and availability varies
FAQ
How long does it take to receive my Tide card?
Physical cards are typically dispatched within a few business days after account approval; virtual cards can be created instantly in the app for immediate use.
Can I close my Tide account and withdraw funds?
Yes — you can close an account via the app or customer support. Before closing, transfer any remaining balance to an external account; Tide will guide you through the process.
Are there promotions or discounts for new customers?
Tide occasionally offers fee-free periods or partner promotions. Check the Tide website or your sign-up flow for any current introductory offers.