Are there any fees to send or receive USD via ACH?

Like GBP payments, the fee you’ll pay to send or receive USD via ACH depends on how many payments are included in your plan:

Tide Standard/Free: No free payments included, you’ll be charged 20p per payment Tide Smart: 20 free payments are included in your plan. You’ll be charged 20p per USD ACH payment over this allowance Tide Pro: Unlimited free payments are included in your plan, so you won’t be charged a fee Tide Max: Unlimited free payments are included in your plan, so you won’t be charged a fee

• Members with a Tide Business Account provided by ClearBank (the account sort code is 04-06-05). When you open a Tide Instant Saver your Tide Business Account provided by ClearBank will be set as your Nominated Account.

• Tide members without a Tide Business Account, who selected a current account provided by another bank or financial institution as their Nominated Account before 22 July 2024

The fees are billed as part of our monthly billing process and will be included in the total fee amount summary on your bank statement. Each USD ACH transaction is also subject to the interbank exchange rate on the day, and we apply a 0.50% FX markup. See details in the Tide Terms. You won’t be charged anything for activating USD payments for your account.

Disclaimer: FX markup for our members on the Standard/Free plan will be increased to 1.5% from 28 May 2025 (members on our Paid plans will remain on 0.5%)