Prices and Services List
Last revised: 01.04.2024
Account management fees | |
First Tide Business Account | Free of charge |
Additional Tide Business Account | 6 EUR per month (Currently not available) |
Payment card | |
First physical Tide Card (incl. shipping fee) | Free of charge |
Replacement card (incl. shipping fee) | 5 EUR |
Additional Tide Card (incl. shipping fee) | 5 EUR per month (Currently not available) |
Card payment transactions | |
Card payments with the Tide Card in the EEA and Switzerland in EUR | Free of charge |
Card payments with the Tide Card outside the EEA and Switzerland | 1% of the transaction amount |
Card payments with the Tide Card in foreign currencies (non-EUR) | 1% of the transaction amount |
Cash withdrawals & deposits | |
Cash withdrawals | |
Cash withdrawals at ATMs with the Tide Card in EUR | 2,00 EUR + costs of the external institution |
Cash withdrawals at ATMs with the Tide Card in foreign currencies | 2.00 EUR + costs of the third-party bank + 1% of the transaction amount |
Cash deposits (Currently not available) |
Transfers & direct debits | |
Transfers between Tide Members or between two Tide Business Accounts of the same Tide Member | Free of charge |
Incoming and outgoing SEPA* transfers (including SEPA instant) and direct debit in EUR (SEPA Instant currently not available) | 0,20 EUR (Free of charge until 31 October 2024) |
Incoming and outgoing SWIFT** payments in EUR (The fee will be debited separately from the incoming payment amount) | 7,50 EUR + 1% of the transfer amount. (Currently not available) |
Legitimate rejection of a direct debit due to insufficient funds | 5 EUR (Currently not available) |
Bank statements | |
Monthly Tide Business Account statement as PDF for self-printing | Free of charge |
Monthly Tide Card statement as PDF for self-printing | Free of charge |
Overdraft interest | |
Interest rate for overdrafts (Dispokredit) | No account overdraft possible |
Interest rate for tolerated overdrafts (geduldete Überziehung) | 10 % |
Other fees | |
Tide Business Account balance enquiry at the ATM | Free of charge |
*SEPA countries - EEA states as well as Andorra, Guernsey, Isle of Man, Jersey, Monaco, San Marino, Saint-Pierre and Miquelon, Switzerland, the United Kingdom of Great Britain and Northern Ireland (incl. Gibraltar) and the Vatican City.
The European Economic Area (EEA) currently includes the EU member states: Belgium, Bulgaria, Denmark, Germany, Estonia, Finland, France (including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion), Greece, Ireland, Italy, Croatia, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Austria, Poland, Portugal (including Azores, Madeira), Romania, Sweden, Slovakia, Slovenia, Spain (including Canary Islands), Czech Republic, Hungary as well as Cyprus and the countries Iceland, Liechtenstein and Norway.
** The processing fee applies to payments sent worldwide via the SWIFT network in Euro to any destination country with payment type SHA (fee sharing).
Name and address of the Platform Provider
Tide Platform S.A. 7 Avenue Gaston Diderich L-1420 Luxembourg
Contact: support.de@tide.co Website: www.tide.co/de-de Contact address for complaints: complaints.de@tide.co
Entry in the commercial register
Tide Platform S.A, Luxembourg Trade and Companies Register (Registre de Commerce et des Sociétés), registration number RCS: B272663
Name and address of the bank account provider
Adyen N.V. Simon Carmiggeltstraat 6-50 1011 DJ Netherlands
Contact address for complaints: complaints.de@tide.co
Competent supervisory authority of the bank account provider
De Nederlandsche Bank PO box 98 1000 AB Amsterdam Contact: info@dnb.nl Telephone: + 31 20 524 91 11 (from Monday to Friday between 9:00 and 17:00)
Statutory deposit protection
In the EU, Adyen N.V. is registered in the Dutch Deposit Guarantee Register. This means that eligible deposits up to EUR 100,000 are legally protected by the Dutch Deposit Guarantee Scheme.
Name and address of the card issuer
PPS EU SA Boulevard du Souverain 165, Box 9 1160 Auderghem Belgium
Tide Platform S.A has been registered as an agent of PPS EU SA under Agent ID - PPSELUA000001 and is authorised to represent PPS EU in the processing of card payments in connection with your Tide Card.
Contract language
The main language for the business relationship with Tide Platform S.A is German, unless otherwise agreed in individual cases.
Business days of the respective service provider
A business day is any day on which the respective service provider maintains the necessary business operations for execution of payment transactions.
Tide Platform S.A maintains this operation on all business days, with the exception of:
● Sundays ● Good Friday ● Easter Monday ● Christmas Eve (24 December) ● New Year's Eve (31 December) ● Business days on which Tide Platform S.A is closed due to local circumstances and such days have been announced in good time in advance.
Adyen N.V. maintains the business operations necessary for the execution of payment transactions* on all business days, with the exception of:
● Saturdays ● Sundays ● Good Friday ● Easter Monday ● Labour Day (1 May) ● Christmas Eve (24 December) ● New Year's Eve (31 December) ● Business days on which the account-holding office of Adyen N.V is closed due to local circumstances and these days have been announced in advance.
The following applies to SEPA Instant transfers: A business day is any day of the year.
*The term may include the relevant payment account services "SEPA/SWIFT credit transfer", "direct debit" and "standing order".
Cut-off times (Annahmefristen) for bank transfers
SEPA credit transfer until 15:45 on business days of Adyen N.V.
Foreign bank transfer until 16:55 on Adyen N.V. business days
SEPA Instant transfer all day on all calendar days
Execution times for bank transfers
SEPA credit transfer
The transfer amount will normally be received by the payee's payment service provider on the next business day.
If the agreed day for processing a payment order is not a business day, the payment order will be processed on the following business day.
Requirements for SEPA-transfers
The remitter has provided his IBAN and that of the payee and the payee's bank participates in the SEPA Credit Transfer Scheme.