Question 1

How do I upgrade to a paid plan?

Accepted Answer

You can upgrade your plan through your Tide app by going to the 'Payments' tab and tapping the ‘Profile’ icon in the top right-hand corner.

From here, tap 'Go to settings' > 'Tide plan' and select your new plan. You can then choose whether you'd like to pay for it on a monthly or yearly basis.

Read and agree to the terms and conditions to upgrade immediately.

You can upgrade your plan on the web too.

Just log in to your Tide account on your browser and click on ‘Tools & Services’ > ‘Memberships’ > ‘Upgrade’ under your new plan. Then, choose whether you’d like to pay monthly or annually.

Read and agree to the Terms & Conditions, and confirm the upgrade.

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 the following month, we’ll collect the full amount.

If you're a multi-business member, each business should be upgraded individually.

Question 2

How do I downgrade or switch between paid plans?

Accepted Answer

You can downgrade or change plans through your Tide app by going to the 'Payments' tab and tapping the icon in the top right-hand corner.

From here, tap 'Go to settings' > 'Tide plan', select your current plan and choose which plan you would like to move to.

You can downgrade your plan on the web too.

Log in to your Tide account on your browser > click ‘Tools & Services’ > ‘Memberships’ > ‘Downgrade’ under your new plan.

After downgrading, you'll remain on the plan until the end of that month. Your new plan starts at the beginning of the following month.

If you change to a different paid plan, your new plan will activate immediately, including collection of your new fee. Fees are 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 the following month we’ll collect the full amount.

Question 3

What services do the legal helpline provide?

Accepted Answer

Irwin Mitchell LLP can give you advice on any aspect of UK law, and they regularly advise on topics like:

Business law
Consumer law
Employment law
Family law
Personal injury law
Property law (both commercial and personal)

Wills and disputes over estate

If you want to file a trademark, or take any legal or tax action, this is available through Irwin Mitchell LLP. Please note, you’ll be charged for these extended services and you’ll need to pass their professional conflict checks first.

The legal helpline isn’t able to help you start legal proceedings or other similar action, and generally doesn’t review documents.

	Free	Smart	Pro	Max
UK card transactions	Free	Free	Free	Free
Foreign currency card transactions	1.75% FX fees	0% FX fees	0% FX fees	0% FX fees
Transfers to/from other bank accounts	20p per transfer	25 free transfers	Unlimited free transfers	Unlimited free transfers
Transfers to/from foreign bank accounts	20p/transfer + 0.50% FX fee	20p/transfer above free limit + 0.50% FX fee	No transfer fee + 0.50% FX fee	No transfer fee + 0.50% FX fee
ATM withdrawals	£1	£1	£1	£1
Cash deposits at the Post Office	0.5% (minimum £2.50)	0.5% (minimum £2.50)	0.5% (minimum £2.50)	0.5% (minimum £2.50)
Cash deposits at a PayPoint	3%	3%	3%	3%
Linked Instant Saver Interest	3.04% on up to £75k, 0.00% on £75k+	3.55% on up to £100k, 0.00% on £100k+	3.86% on up to £100k, 4.07% on £100k - £150k, 0.00% on £150k+	3.86% on up to £100k, 4.07% on £100k - £500k, 4.38% on £500k - £1m
Additional accounts	Not available*	1 free additional account	2 free additional accounts	3 free additional accounts
Expense Cards	£5/month per card	1 free expense card	2 free expense cards	3 free expense cards
Virtual debit card	check_circle	check_circle	check_circle	check_circle
Team Access	Free read-only access	1 team member with enhanced access	2 team members with enhanced access	5 team members with enhanced access
Invoicing	Send 3 free invoices per month	Send 3 free invoices per month	Send 3 free invoices per month	Unlimited
Payment links	check_circle	check_circle	check_circle	check_circle
Tap to Pay	check_circle	check_circle	check_circle	check_circle
Free integration with third party accounting software	check_circle	check_circle	check_circle	check_circle
Tide Accounting	From £9.99 + VAT	From £9.99 + VAT	Tide Accounting free	Admin Extra free
Benefits and rewards	Basic member perks	Enhanced rewards	Enhanced rewards	Enhanced rewards and 0.5% cashback on card purchases
Support	Chat support	Prioritised chat and phone support	Prioritised chat and phone support	Prioritised chat and phone support, dedicated member support and priority callback on weekends
Legal help	Not available	24/7 legal helpline with trademark filing & disputes support	24/7 legal helpline with trademark filing & disputes support	24/7 legal helpline with trademark filing & disputes support
Credit Flex	Subject to eligibility	Subject to eligibility	Subject to eligibility	Subject to eligibility

PLANS AND PRICING

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Free

Smart

Pro

Max

UK card transactions

Foreign currency card transactions

Transfers to/from other bank accounts

Transfers to/from foreign bank accounts

ATM withdrawals

Cash deposits at the Post Office

Cash deposits at a PayPoint

Linked Instant Saver Interest

Additional accounts

Expense Cards

Virtual debit card

Team Access

Invoicing

Payment links

Tap to Pay

Free integration with third party accounting software

Tide Accounting

Benefits and rewards

Support

Legal help

Credit Flex

Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account.

Tide plans and pricing FAQs

How do I upgrade to a paid plan?

How do I downgrade or switch between paid plans?

What services do the legal helpline provide?

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