The Benefits of Using Tide’s Mobile App for Business Banking

With Tide’s mobile app, you open a business account in minutes—no branches, paperwork, or waiting. Send and receive payments on the go, including instant Tide-to-Tide and low-cost transfers, plus EUR and GBP support. Create invoices, track expenses, attach receipts, and sync with Xero or Sage. Issue up to 50 expense cards with custom limits and real-time controls. Enjoy FCA regulation, FSCS protection up to £85k, and 24/7 support. You’ll also find cashback and free transfers for a strong start—there’s more to unlock.

Key Takeaways

• Open a business account in minutes on mobile, with quick approvals and no branch visits or paperwork.
• Manage payments and transfers on the go, including GBP/EUR, with instant Tide-to-Tide and low-cost external transfers.
• Create invoices, track expenses, and attach receipts in-app; sync with Xero or Sage to streamline accounting.
• Issue up to 50 expense cards with custom limits, real-time spend visibility, and instant lock/freeze controls.
• Bank securely with encryption, 2FA, FCA regulation, FSCS protection up to £85,000, and 24/7 in-app support.

Fast Onboarding and Account Setup

Even if you’re starting from scratch, you can open a Tide business account in under five minutes entirely on your phone. You won’t visit a branch or shuffle paperwork. Instead, you’ll enter basic details—like your UK mobile number and proof of address—and submit your application in minutes. Tide streamlines approval, often turning decisions around in as little as 10 minutes and typically within 48 hours. Because it’s digital-only, you set up, verify, and get going wherever you are, without waiting for appointments or mailing documents. Once you’re approved and funded, Tide sweetens the start with promotional perks, such as £200 free (with Tide referral code: REFER200) and 12 months of free transfers. Those incentives encourage you to complete onboarding quickly and put your new account to work immediately.

Managing Payments and Transfers on the Go

Whether you’re paying suppliers, splitting expenses, or chasing invoices, Tide’s mobile app lets you move money quickly without branches or paperwork. You can send and receive payments in a few taps, approve transfers on the go, and keep cash moving when timing matters. Inside the Tide network, payments land instantly and free, so you won’t wait for funds. For external transfers, you’ll pay a low 20p fee after your first year, helping you keep costs predictable.

Instant, free Tide-to-Tide payments; external transfers just 20p after your first year.

Need to pay partners abroad or accept overseas funds? Handle GBP and EUR transfers directly in the app without juggling tools. Stay organised as you move money. Categorize and tag transactions to see where cash goes and what’s coming in, making reconciliation faster and decisions easier.

Invoicing and Expense Tracking From Your Phone

One app handles your invoicing and expenses end to end, so you can stay on top of cash flow from your phone. Create and send professional invoices in minutes, wherever you are. You can upload bills for future payment and schedule them, so you don’t miss due dates or scramble for funds. Track spending without spreadsheets. Categorize transactions, add tags, and attach receipts that the app auto-matches for tidy records and quicker reconciliations. Need everything in your accounting system? Sync with Xero or Sage to keep books aligned and reduce manual entry. Best of all, Tide’s invoicing tools are available on the free account, giving freelancers and small businesses powerful billing without added cost. You’ll spend less time chasing paperwork and more time running your business.

Cards, Controls, and Team Expense Management

As you streamline invoices and expenses from your phone, Tide also gives you tight control over team spending. Issue up to 50 employee expense cards and set precise limits per card by project or team. Because each card connects directly to your business account, every transaction appears instantly, so you can spot trends, curb overspending, and keep budgets on track. You’ll monitor and categorize purchases in real time, attach receipts, and resolve queries quickly—without chasing paper.

• Create and assign up to 50 employee expense cards for contractors or staff
• Set custom card limits and merchant rules to match budgets and projects
• Track, categorise, and receipt team transactions live from the app
• Lock, freeze, or replace cards instantly to prevent misuse and stay compliant

With clear visibility and firm controls, you’ll manage team expenses confidently.

Accounting Integrations and Tide Accounting

Although you’re juggling sales, expenses, and tax deadlines, Tide’s mobile app keeps your books in sync and audit-ready. Connect Xero or Sage in minutes and let transactions flow automatically, so you don’t rekey data or chase exports. Use built-in invoicing to create, send, and track invoices from your phone, helping you get paid faster and manage cash flow with less effort.

Connect Xero or Sage in minutes and automate transactions. Invoice on your phone to get paid faster.

Categorise and tag transactions as they happen to keep reports clean and useful. Snap or upload receipts and let the app match them to payments, cutting manual entry and tightening your audit trail. Tide also helps you estimate taxes with built-in calculations aligned to HMRC requirements, reducing surprises at quarter-end. With integrations, smart categorization, receipt capture, and invoicing, you’ll streamline bookkeeping end to end.

Security, FSCS Protection, and Support Options

While streamlined bookkeeping saves time, you also need rock-solid protection around every payment. Tide’s app locks down your data with industry-standard encryption and two-factor authentication, so only you can access sensitive activity. Tide is FCA-regulated, giving you confidence that transactions meet strict compliance standards. Your deposits are protected by the FSCS up to £85,000 through Tide’s partnership with ClearBank, adding a crucial layer of financial safety if the bank were to fail. When you need help, you’ll find responsive support channels right inside the app.

• 24/7 in-app messenger for urgent issues and quick resolutions
• Email support for detailed queries and follow-ups
• Phone support available on paid plans when you prefer to talk
• Positive user feedback highlights fast, accessible assistance

Pricing, Plans, and Cashback Perks

Even if you’re just getting started, Tide makes pricing straightforward, with a free business account that has no monthly fee and paid tiers that add more firepower. You can manage money without upfront costs, then upgrade to Tide Smart(£12.49/month +vat) or Tide Pro (£24.99/month + vat) for perks like unlimited transfers and enhanced support. After your first year, standard transfers cost 20p each, so heavier users may find the paid plans better value.

After year one, transfers cost 20p—frequent users may save with a paid plan.

If you want rewards, the Max account (£69.99/month) gives 0.5% back on card purchases, helping offset fees if you spend regularly. New users can also grab £50 cashback by opening an account and depositing £50 within the first month. Watch ATM withdrawals (£1 each) and cash deposits via Post Office (£2.50 min) and PayPoint (£3 min). Tide’s fee schedule is transparent.

Conclusion

Tide’s mobile app makes business banking simple, fast, and in your control. You’ll open an account quickly, send payments on the go, and handle invoices and expenses from your phone. Set card controls, empower your team, and keep books tidy with accounting integrations or Tide Accounting. With strong security, FSCS protection on eligible deposits, responsive support, clear pricing, and cashback perks, you’ll streamline finances, save time, and stay focused on growing your business—wherever you work.