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Tide Business account & card review
8.7★★★★★★★★★★Our rating · how we rate
Last updated 28 June 2026The bottom line
Tide is the quickest way to get a UK limited company banking-ready: an account and a card on the same day, with invoicing and expense tools built in. It’s an e-money account rather than a bank, so eligible funds are safeguarded rather than FSCS-protected, and the free plan covers the basics while paid plans add allowances and perks.
Pros
- Account and card live in about 10 minutes
- Free plan with no monthly fee
- Invoicing and expense tools built in
- Tax pots and accounting integrations
Cons
- E-money account — not FSCS-protected
- Per-transfer fees on lower plans
- Cash deposits cost extra
Is it right for you?
Best for new and smaller limited companies that want to be trading quickly with the admin handled in one place. If you need full FSCS protection or lots of free transfers, weigh a bank like Starling alongside it.
Rates & fees
Monthly fee£0–£49.99
Account typeE-money (safeguarded)
CardMastercard
CashbackUp to 0.5% (top plan)
Setup~10 min
EligibilityUK companies & sole traders
Plan fees, transfer charges and cashback vary by plan and change over time. Tide is an e-money service, not a bank; eligible funds are safeguarded rather than FSCS-protected. Confirm current terms before applying.