Tide Business Account

Any UK‑registered limited company, sole trader or partnership can open a Tide Business Account, provided you have a valid UK address and identification for the directors or owners. The account is designed for small businesses and freelancers who need a digital‑first banking solution without visiting a branch.

Tide offers a free tier with basic features and a paid tier at £18.99 per month that adds advanced tools such as higher transaction limits and premium support. Fees are charged monthly and you can switch between tiers at any time through the app.

You can sign up online by downloading the Tide app, entering your business details, and uploading identity documents. Verification is typically completed within minutes, and the account is ready to use shortly after approval, without needing to visit a bank branch.

The free tier limits the number of monthly transactions, does not include access to premium support, and caps certain features like higher‑value payments and advanced expense categorisation. For businesses that exceed these limits, upgrading to the £18.99 per month plan is required.

Tide provides built‑in invoicing tools that let you create and send invoices directly from the app, and expense management features automatically categorize spend using transaction data. Unlike many traditional banks, these tools are integrated into the digital platform, reducing the need for separate accounting software.