Sources and verification registry
Volatile facts on this site are stored as records with a source and a check date. This page is the registry behind them.
Offer data verified by Rachel Chen on 5 October 2026. Next scheduled review: 5 November 2026. How we verify →
Primary sources
Where the figures come from
- Tide business current account
Account features, eligibility and application flow
Last checked 4 August 2026
- Tide | REFER & SAVE - REFER200
Verified REFER200 code, £75 card-spend reward, £125 Instant Saver reward and published timing
Last checked 5 October 2026
- Tide Terms and Conditions
General Tide terms; campaign-specific detail should be confirmed before publication
Last checked 6 August 2026
- FSCS — What we cover
Current £120,000 deposit-protection limit, eligible depositor scope and aggregation context
Last checked 27 August 2026
- Starling credit-check help
Starling’s published soft-credit-check wording for account applications
Last checked 16 August 2026
- Monzo credit-file help
Monzo’s published soft-search wording; page is not business-account-specific
Last checked 16 August 2026
Offer record
The current offer record in full
| provider_name | Tide |
|---|---|
| campaign_name | Refer & Save — REFER200 (business current account) |
| promo_code | REFER200 |
| status | live |
| status_note | Verified against Tide's official REFER200 campaign page. The campaign page states the reward amounts and timing below. Tide allows retrospective code application within 7 days of account opening via in-app chat. |
| maximum_reward | up to £200 cashback |
| reward_summary | £75 after spending £100 on your Tide card within 30 days of account opening · £125 after depositing at least £5,000 into your Tide Instant Saver Account within 7 days of opening and keeping it there for one month. |
| reward_one_amount | £75 |
| reward_one_action | Spend £100 on your Tide card after opening your Tide account. |
| reward_one_deadline_days | 30 |
| reward_one_deadline | within 30 days of opening your Tide account |
| reward_two_amount | £125 |
| reward_two_action | Deposit at least £5,000 into your Tide Instant Saver Account. |
| reward_two_requirement | Deposit at least £5,000 into your Tide Instant Saver Account within 7 days of opening and keep it there for one month. |
| reward_two_deadline_days | 7 |
| reward_two_deadline | within 7 days of opening and keep it there for one month |
| holding_period | Keep at least £5,000 in Tide Instant Saver for one month. |
| new_member_rule | The official campaign page should be read before applying. It does not publish a complete eligibility schedule on the rendered page. |
| code_entry_window | Use REFER200 when opening your Tide account. If you miss the code field during signup, contact Tide through in-app chat within 7 days of account opening, provide REFER200 and your opening date, and ask for it to be applied retrospectively. |
| qualifying_transaction_rules | The official campaign page says to spend £100 on your Tide card within 30 days of opening. The official campaign page does not publish a complete list of qualifying-card-transaction exclusions. Confirm whether a specific payment qualifies with Tide before relying on it for the campaign. |
| validation_timeline | The official campaign page does not publish a payment-validation or cashback-payment timeframe. Tide decides reward validation under its applicable terms. |
| application_url | https://www.tide.co/partners/refer-save-refer200/bca/ |
| terms_url | https://www.tide.co/partners/refer-save-refer200/bca/ |
| general_terms_url | https://www.tide.co/terms/ |
| official_source_title | Tide | REFER & SAVE - REFER200 |
| official_source_url | https://www.tide.co/partners/refer-save-refer200/bca/ |
| verified_claims | Use code REFER200 when opening a Tide account. £75 cashback follows £100 of Tide-card spend within 30 days of account opening. An additional £125 follows a £5,000 Tide Instant Saver deposit within seven days of opening that remains for one month. |
| last_checked | 5 October 2026 |
| checked_by | Business Account Offer editorial team |
| next_review | 5 November 2026 |
| disclosure | Business Account Offer is an independent website and is not owned or operated by Tide. We may receive a referral reward when an eligible applicant uses our link or code. Tide determines account approval, offer eligibility and reward validation. |
| not_the_public_programme | REFER200 is a specific partner campaign. It is not the same as Tide's standard public Refer a Friend programme, which can carry different reward amounts, spending requirements and deadlines. Always read the campaign page and applicable Tide terms before applying. |
Plan records
Plan records and their sources
Editorial standards
How we maintain this registry
Our editorial team — Sarah Mitchell, James Okafor and Rachel Chen — verifies campaign claims against the exact official page readers use, records the source and date checked, and checks volatile offer information daily. We do not publish a claim when its supporting evidence is unavailable.