Tide business account and REFER200 FAQs

REFER200 is the Tide partner campaign code covered on this site. Use it through the campaign route when opening an account, then read the current campaign page and applicable Tide terms before you apply.

The offer record was last checked on 5 October 2026 and is marked live. Tide can change or withdraw a campaign, so its campaign page is the final source before you apply.

The campaign is advertised as up to £200 cashback: £75 for the qualifying card-spend step and a further £125 for the Instant Saver step. Tide validates each step separately under the current terms.

Start from the campaign route, check that REFER200 appears in the Tide signup flow, and read the current Tide campaign page and terms before submitting the application.

The code field appears early in the Tide signup flow. If you start from the campaign link, REFER200 should be pre-populated. Check it is present before continuing and enter it manually if the field is blank.

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.

Spend £100 on your Tide card after opening your Tide account. The stated deadline is within 30 days of opening your Tide account. Check the campaign terms before relying on a specific transaction.

Deposit at least £5,000 into your Tide Instant Saver Account within 7 days of opening and keep it there for one month.

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.

The official campaign page does not publish a payment-validation or cashback-payment timeframe. Tide decides reward validation under its applicable terms.

Tide currently lists sole traders, freelancers and directors of limited companies as applicant types. Business structure, activity, identity checks and campaign qualification are separate, and Tide makes the final decision.

Tide's current public criteria do not confirm this structure. Check directly with Tide before applying.

Tide’s current public criteria do not confirm this structure. Check directly with Tide before applying.

Sole traders are among the applicant structures named in Tide’s current public eligibility guidance. Check Tide’s guidance and the application flow for the latest requirements.

Freelancers are among the applicant structures named in Tide’s current public eligibility guidance. Check Tide’s guidance and the application flow for the latest requirements.

Directors of limited companies are among the applicant structures named in Tide’s current public eligibility guidance. Check Tide’s guidance and the application flow for the latest requirements.

No. Tide’s published structure list is a starting point, not a guarantee of acceptance. Tide makes the final decision after its application and verification checks.

Confirm your structure against Tide’s current public guidance, read the campaign terms, check the code is present in the signup flow, and have the information Tide requests ready.

Tide’s Free plan has no plan fee. Usage fees can still apply, including fees for transfers after any allowance, cash deposits, cheque deposits, and some foreign-currency activity; check Tide’s current pricing before choosing a plan.

Tide’s pricing page currently lists no plan fee for Free, with Smart at £12.49 per month, Pro at £27.49 per month, and Max at £69.99 per month. Pricing can change, so confirm the live schedule before deciding.

Tide’s published account-cost guidance currently lists 20p for a bank transfer outside a plan allowance, £1 for a GBP cash withdrawal, 90p per cheque deposit, and cash-deposit charges that vary by plan and deposit method.

Tide’s current account-cost guidance gives 20p as an example for a bank transfer outside a plan allowance. The amount and allowance depend on the plan and current pricing schedule.

Cash-deposit charges vary by plan and deposit method. Tide’s pricing guidance should be checked for the current example and allowance before depositing cash.

Tide’s current account-cost guidance gives 90p as an example for a cheque deposit. Confirm the current price and any plan-specific conditions with Tide.

Tide’s current account-cost guidance gives £1 as an example for a GBP cash withdrawal. Confirm the current schedule before relying on that example.

Use Tide’s official pricing table and account-cost guidance, linked from our business-account-fees explainer. Tide can change its prices, allowances, and plan terms.

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.

Tide offers card and team-access features that vary by account and plan. Check Tide’s current feature and pricing pages for availability, limits, and any additional charges.

Tide provides invoicing tools on supported accounts. Availability and included functionality can vary by plan, so check Tide’s current product information before choosing an account.

Tide offers accounting-related tools and integrations on supported accounts. Check the current Tide feature list and the terms of the specific integration you need.

Tide offers payment features such as card-reader and payment-link options, subject to eligibility, availability, and current pricing. Confirm the latest details with Tide.

Tide offers international-payment functionality on supported accounts. Fees and exchange rates depend on the service and current terms, so check Tide’s live pricing before sending money.

The Tide app can support account management, payments, cards, and business tools depending on your account and plan. Tide’s current feature pages provide the latest availability details.

Eligible deposits in a Tide Business Current Account powered by ClearBank can receive FSCS protection up to £120,000 per eligible person, per authorised firm, subject to eligibility and aggregation rules. Some Tide members use PPT-powered e-money accounts instead; those funds are safeguarded and are not FSCS deposits.

Tide is not itself a bank. Tide Business Current Accounts are powered by ClearBank, while some Tide members have PPT-powered e-money accounts. Check your account type and Tide’s current terms before relying on a protection arrangement.

ClearBank powers Tide Business Current Accounts described on Tide’s current protection information. The exact protection position depends on your account type and the applicable terms.

Some Tide members use PPT-powered e-money accounts. Those funds are safeguarded under the applicable arrangement but are not FSCS deposits. Check your account type and Tide’s current terms.

Review the account type, provider, protection arrangement, pricing, and Tide’s current terms. Do not assume that every Tide account has the same provider or protection treatment.

Keep your account-opening date and relevant transaction evidence. Check the campaign terms and contact Tide through the in-app support route with the code, opening date, and supporting details.

Use Tide’s in-app support route for account, application, code, or cashback questions. Keep the relevant dates, code, and transaction information available so Tide can investigate the issue.