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All neo banks · Updated 20 October 2026

Tide review: fees, features and regulation

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Tide

UK business account for sole traders and limited companies

UK small businesses

Tide is a UK business account and finance platform for sole traders, freelancers and limited companies, with invoicing, expense cards, card payments and accounting integrations. The free plan has no monthly fee; paid plans add 0% FX on card payments abroad and more features. Tide accounts are provided by ClearBank.

  • Free plan with no monthly fee
  • Invoicing and accounting integrations
  • 0% FX on card payments abroad on paid plans
Monthly fee
Free £0 · Smart £12.49 · Pro £27.49 · Max £69.99
Card
Business debit card
Card payments abroad
2.75% on Free · 0% on paid plans
Transfers
Free plan: up to 5 per month
Who can open
UK sole traders, freelancers and limited companies
Deposit protection
FSCS up to £120,000 via ClearBank

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