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Tide Logo
Tide Logo
Tide Logo

TIDE BUSINESS SAVINGS ACCOUNT

Get £100 cashback and up to 4% AER**

Boost your balance effortlessly and get instant access to your savings at any time with our business savings account. Open a Tide business account and Tide Instant Saver to earn £100 cashback.*

Open a savings account

Use offer code ENGLANDPOD. To be eligible for the promotion you must open a Tide instant Saver and hold £5,000 for 30 days. To do this EITHER open both a Tide business bank account and a Tide Instant Saver OR connect your existing account to Tide and open a Tide instant Savings account. Terms and conditions apply.

*Save more, earn more—up to 4% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For more information, go to our Summary Box.

Join over 2 million business owners today!

Serving over 15% of all SMEs in the UK, helping contractors, freelancers and scaling businesses get back to doing what they love.

Why open an instant access business savings account with Tide?

Our high interest savings account helps you grow your capital with the flexibility to earn more interest as your business grows. 

Earn up to 4%* AER variable interest

Enjoy monthly interest payments with no penalties on withdrawals

Instant access to your funds

Start saving from just £1 and no regular deposits

No need to change bank accounts

Open a Tide Business Account, or connect an external business bank account of your choice

Open a savings account

How do our savings interest rates work?

Our savings account has tiered rates to suit your business needs. For the first 6 months, earn our best rate of up to 4% AER for FREE on your business savings.

Your savings rate depends on your deposit—save more, earn more. Each tiered rate applies only to the portion within that range. After 6 months, your rate adjusts to your chosen plan.

Open a savings account

Compare business savings accounts

Find a business savings account that grows your money faster and meets the needs of your business. To assist you in your search, we’ve compared some of the best instant access savings accounts currently available on the market.

 
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Tide
Barclays
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Natwest
Monzo
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Virgin Money
Cynergy Bank
Allica Bank
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Shawbrook
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Hampshire Trust Bank

% interest on business savings account

Up to 4% AER

Up to 4% AER

Up to 1.61% AER

Up to 1.61% AER

Up to 1.51% AER

Up to 1.51% AER

1.30% AER

1.30% AER

3.50% AER

3.50% AER

3.50% AER

3.50% AER

Up to 4.08% AER

Up to 4.08% AER

3.40% AER

3.40% AER

3.40% AER

3.40% AER

Interest

Monthly

Monthly

Quarterly

Quarterly

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Monthly

Yearly

Yearly

Monthly/Annually

Annually

Annually

Minimum deposit

£1

£1

£0

£0

£0

£0

£0

£0

£1

£1

£1

£1

£50,000

£50,000

£1,000

£1,000

£1

£1

Withdrawal limits

None

None

None

None

None

None

None

None

None

None

None

None

None

None

Minimum of £500

Minimum of £500

None

None

Business current account integration

Yes

Yes

No

No

No

No

Yes

Yes

No

No

Yes

Yes

Yes

Yes

No

No

No

No

The rates compared are all the best variable rates offered in the instant access business savings accounts | Valid as of 11/05/2026

Open a savings account

Open a business savings account in 3 easy steps

You can open a Tide instant access savings account by opening a Tide Business Account or connecting a pre-existing external business bank account in minutes.

  1. Download the Tide app

  2. Open a free business bank account or connect an external business account

  3. Complete the application and start saving

Open a savings account

Looking to grow your business capital? Save money effortlessly with Tide.

Speak to our team to find out how: +44 203 8932 915

Start saving from just £1

Grow your savings faster, so you can reinvest in your business. Our Instant Saver Account offers tiered variable rates of up to 4% AER on your business savings – deposit as little as £1 to get started.

See our Product Summary Box for more details on how our interest rates work.

Enjoy easy access to your business savings account

Tide’s Instant Saver Account allows unlimited withdrawals, with no penalties, meaning you can withdraw as often as you like.

Open a savings account

Keep your money protected at all times

Here at Tide, we take the financial security of our members very seriously. All your savings with us are protected by the Financial Services Compensation Scheme (FSCS), covering up to a total value of £120,000. 

Saving is simple at Tide

Manage everything from one place

Track everything in app, in minutes – your savings are with you 24/7

It’s hassle-free

Easily move money into your Instant Saver Account.

Save at your own pace

With no regular deposits required, notice periods or penalties on withdrawals, you can save without stress

View your accounts all at once

Get a full, transparent view of your cash flow – find all your account balances and transaction history in the app

Introduction to Savings Boost Summary Box

The information provided in this summary box includes the key features of the account only and is not intended to be a substitute for reading the Tide and ClearBank terms applicable to your account (all available under tide.co/terms). We generate a new version of this summary box whenever any of the information contained herein changes. Download Summary box here.

Last updated: 26th May 2026

We understand businesses, it's all we do

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 2 million sole traders, freelancers, and limited companies worldwide.

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Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.