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SMALL BUSINESS ACCOUNTING

Smart, secure accounting straight from your Tide Account

Work smarter, not harder. Run your business better with Tide Accounting — get faster bookkeeping and breeze through tax season. 

Open a Tide Account and do your accounting on your own terms. Stay compliant and grow at ease using the Tide app. Plus, get a 3-month free trial of Admin Extra on us.

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Existing customer? Log in to Tide.

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Do your banking and accounting together

Finances are easy when you can manage them in one place — and with a Tide business bank account, you can.

Take the stress out of tax season

Grow your business using insights and reports

Automate bookkeeping and daily admin

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Smarter banking starts now. Try Admin Extra free for 3 months.

Level-up your banking and accounting with 3 months of Admin Extra when you open a Tide account. Streamline business operations, get paid faster and submit taxes with ease — all from the Tide app. T&Cs apply.

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Drive better business decisions with clear cash flow and profit insights

Get ahead of cash shortfalls and rising costs with interactive charts that cover your cash flow, profits and expenses.

  • Understand what’s driving your costs and the source of your revenue – leverage the data to identify your next steps

  • Download financial reports in one click to inform your decisions, stay compliant and secure funding

  • Track overdue invoices and upcoming supplier bills to avoid cash flow disruptions

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Estimate your tax bill and prepare ahead of tax deadlines

Avoid unexpected tax surprises and stay compliant with HMRC. Partner with your accountant if you need additional support.

  • Get Self Assessment (Sole Trader only) and Corporation Tax estimates in real-time to know what you owe and avoid fines

  • Open a dedicated tax account to save smarter and set aside money as you earn, avoiding any last-minute stress

  • File VAT returns to HMRC using our Making Tax Digital tool and stay compliant – all done via the Tide app

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Automate bookkeeping and daily admin

Avoid falling behind in your bookkeeping with automations, bookkeeping scores and to-do lists.

  • Auto-categorise income and expenses, including VAT, so you can focus on running your business

  • Speed through bookkeeping fixes – use bulk edit or tagging to make instant adjustments

  • Eliminate manual admin and time wasted on data transfers with a platform that brings everything under one roof

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Choose a tailored toolkit that suits the unique needs of your business

 
£19.99 Sole Traders £24.99 for Limited Companies
£13.99 Sole Traders £17.99 for Limited Companies
£5.99 + VAT

TAXES

File VAT to HMRC

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Prepare for Self Assessment (sole trader only)

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View tax deadlines

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Put money aside with a Tide Tax Account

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BUSINESS INSIGHTS

Profitability, expenses and cash flow insights

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Financial reports

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BOOKKEEPING & ADMIN

Real-time reconciliation to Tide BCA

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Live Bookkeeping Score and outstanding task list

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Categorise transactions in bulk

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Auto-categorisation of income and expenses

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Give user-access to your accountant

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Connect up external bank accounts

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INVOICING

Send customised invoices

Unlimited

3/month

Unlimited

Automations: auto-chasing and auto-matching

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Premium templates and cloning

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Send payment receipts

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Get the most out of your Tide Account with free invoicing and finance management tools

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Get paid faster and boost your cash flow

Send professional invoices and quotes to your customers as soon as you finish the job, and get paid on time.

  • Send 3 invoices or quotes per month using our professional templates

  • Match incoming payments to invoices and add Payment Links to get paid instantly

  • Prioritise and plan future payments to maintain a healthy cash flow

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Charlotte Davitt-MillsShotley Vineyard

Tide Accounting is very, very useful for helping us run the business — we can see our day-to-day cash flow as well, meaning we don't have to worry about it, because it’s taken care of.

Tide Accounting FAQs

Yes, if you already have a Tide business bank account, you can use Tide Accounting.

In the app, go to ‘Admin’ > ‘Accounting’ > ‘Explore Tide Accounting’, and choose the accounting service that’s best for your business. We’ll ask you some questions about your current accounting setup, before you can access these benefits.

You can read more about our accounting add-ons here.

We offer 2 types accounting add-ons:

  1. Tide Accounting, which comes with all of our standard accounting features, costs £13.99 + VAT per month for sole traders, and £19.99+VAT for limited companies

  2. Admin Extra is a bundle that combines Tide Accounting and Invoice Assistant, costs £17.99 for sole traders and £24.99 + VAT per month * Invoice Assistant is available separately, too, and costs just £5.99 + VAT per month.

Sole Traders and Directors of a Limited Company can use Tide Accounting. 

To use Tide Accounting for Self Assessment, you must be a Sole Trader who is not using the construction industry scheme. 

To use Tide Accounting for submitting your VAT return, you must be a VAT registered business and not using the VAT Flat Rate Scheme.

When you add a category to your transactions, Tide Accounting automatically matches these categories to HMRC’s self assessment SA103 Business Income and Business Expenses categories. This means your Self Assessment estimate is based on your Tide bank account transactions, plus any other transactions you’ve added manually to the estimate. You can connect your business bank accounts from other providers, as well as your Tide accounts, to Tide’s accounting add-ons. This will allow you to view and manage all your accounting and transactions in one place. Read more about the accounting add-ons we offer here.

Tide Accounting automatically calculates VAT based on the VAT rate added to your transactions, invoices, or bills. The VAT liability depends on your VAT scheme.

Cash VAT Scheme

You pay VAT to HMRC when you receive payments from customers, and reclaim VAT when you pay suppliers. Your VAT liability will be calculated based on transactions only, and not on invoices.

Standard VAT Scheme 

Your VAT liability is based on invoices & transactions. You pay VAT when you issue an invoice and reclaim it when you receive an invoice from a supplier, regardless of when the payment is made. If there is no invoice for a payment that includes VAT, this payment will still be included in your VAT report – contributing to your VAT liability or reclaim.

It's mandatory to match all invoices to the respective transactions, to ensure correct reporting.

Help, my question isn’t answered here…

Find answers to all our most frequently asked questions about Tide accounting

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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 1 million sole traders, freelancers, and limited companies worldwide.

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