TIDE SMART ACCOUNT

On Smart, you’ll get:

• 25 free inbound and outbound UK transfers a month

• 1 Additional Business Current Account*

• 1 enhanced Team Access seat for a member of your team

• 1 free Expense Card

• 24/7 priority in-app chat support

• 9am - 6pm phone support - weekdays (excluding bank holidays)

• 24/7 access to a legal helpline (Irwin Mitchell LLP)

• A stylish, matte black card

• 0% fees on foreign currency card transactions or ATM withdrawals**

* Free plan members will be charged a monthly fee of £4.99, for each additional Business Current Account. See more about this here.

** As of 19 September 2024, Free plan members are charged a fee of 1.75% of the transaction amount, for card payments or ATM withdrawals in foreign currencies.

Tide Smart costs £12.49 + VAT per month. We collect the fee on the 4th of each month, for that calendar month. If you’d like to pay yearly, it's £124.99 + VAT for 12 months.

Your fees will be calculated pro-rata, meaning that if you upgrade after the 1st of the month, you'll only pay for the remaining days of that month. From next month we’ll collect the full amount.

With Tide Smart, you get 25 free inbound and outbound transfers.

You can make payments in pounds sterling using:

• Direct Debit

• Faster Payments

You can receive payments in pounds sterling using:

• Direct Debit

• Faster Payments

• CHAPS

• BACS

* Transfers between your main Tide Account and your Tide Instant Saver (if you have one), are always free.

It runs from the first of the month until the end of the month, and we’ll take your payment on the 4th.

• If you downgrade to our Standard free plan after the 1st but before the payment date, you’ll still be charged for the paid plan. We’ll downgrade you for the following month onto our Standard free plan.

• For your first month, you’ll be charged pro-rata – so if you upgrade on the 16th you’ll only pay for the 16th until the end of that month. On the 4th of the following month, you’ll pay for the full month as usual.

We’ll automatically start printing and shipping your black card when you upgrade to your new plan. You can expect it to be delivered to your trading address within 3 to 5 working days.