Tide referral code REFER200 — get up to £200
Use Tide referral code REFER200 through the approved partner link to qualify for up to £200: £75 after spending £100 on the Tide card within 30 days, plus £125 after completing the eligible Instant Saver deposit requirements. Terms and eligibility apply.
Last checked: 28 August 2026. The provider’s current terms control if they differ from this guide.
Verified Tide REFER200 offer
| Referral code | REFER200 |
|---|---|
| Maximum benefit | Up to £200 |
| Stage one | £75 after £100 of qualifying Tide card spend within 30 days. |
| Stage two | £125 after depositing at least £5,000 into Tide Instant Saver within seven days of opening and keeping it there for one month. |
| Eligibility | New eligible Tide customers, subject to the approved partner terms and Tide checks. |
| Application route | Approved REFER200 partner application route. |
| Offer terms | REFER200 offer conditions and T&Cs on the approved partner route. |
| Product pricing | Tide current-account pricing and plan comparison. |
| Account protection | Tide safety and FSCS-protection information. |
| Affiliate status | This page contains an affiliate link. We may earn a commission at no extra cost to you. |
How to claim the Tide £200 offer
- Open Tide through the approved partner link and enter REFER200 at the available code field.
- Complete account opening, identity checks and any eligibility requirements.
- Activate the card and spend £100 on qualifying Tide card transactions within 30 days to pursue the £75 stage.
- Open Tide Instant Saver and complete the deposit and holding conditions in the approved terms to pursue the £125 stage.
- Keep confirmation emails, card-transaction evidence and Saver records until any reward has been credited.
What counts and what can go wrong
- Use the approved partner route and confirm that the referral code is recorded before submitting the application.
- Check the current offer terms for excluded transactions, account eligibility and the exact Saver deposit and holding conditions.
- Do not assume that activity outside the stated time limit or product terms will qualify.
- If a reward does not arrive after the stated provider timeline, gather the application and transaction evidence before contacting Tide support.
Current Tide plans and pricing
Tide currently presents Free, Smart, Pro and Max plans. Free has no monthly plan fee, but the cheapest plan is not automatically the best value. For example, a business making 12 UK transfers each month would use all five Free-plan transfers and may incur transfer charges on seven more, whereas Smart includes 30 transfers for £12.49 per month. Compare your actual transfer volume, card use, support and accounting requirements before choosing.
| Plan | Monthly fee | UK transfers | Cashback or rewards | Support | Best fit |
|---|---|---|---|---|---|
| Free | £0/month | 5 UK bank transfers included each month; charges may apply after the allowance. | No cashback; 2% variable AER on Tide Instant Saver, subject to terms. | In-app customer support and fraud helpline. | Businesses that need essential banking and make relatively few UK transfers. |
| Smart | £12.49/month | 30 UK bank transfers included each month. | No cashback; 2.5% variable AER on Tide Instant Saver, subject to terms. | Priority in-app support and weekday phone support. | Businesses that need more transfers, team tools and accounting connections. |
| Pro | £27.49/month | Unlimited UK bank transfers, subject to Tide's fair-use policy. | No card cashback; 3% variable AER on Tide Instant Saver, subject to terms. | Priority in-app support and weekday phone support. | Growing businesses that want unlimited transfers, Tide Accounting and more team capacity. |
| Max | £69.99/month | Unlimited UK bank transfers, subject to Tide's fair-use policy. | 0.5% cashback on eligible card purchases and 3.25% variable AER on Tide Instant Saver, subject to terms. | Priority in-app support, extended phone support and priority callbacks. | Scaling teams that need more included cards, payroll/admin tools and enhanced support. |
Plan facts last checked 28 August 2026. See Tide’s pricing page.
Deposit protection: check your account type
Tide is a financial platform rather than a bank. Tide Business Current Accounts powered by ClearBank can have eligible deposits protected by the Financial Services Compensation Scheme (FSCS), subject to the provider terms and deposit-protection limit. Some legacy Tide e-money accounts are provided by PrePay Technologies/PPS and use safeguarding rather than FSCS protection. Check the issuer shown on your Tide account statement and Tide’s current documentation; do not assume that the same protection applies to every account type.
Alternatives and when Tide may not suit
Tide can be useful for digital-first businesses that value in-app administration, invoicing and the plan features above. It may not suit a business that needs branch service, unusually high cash-handling capacity or a different international-payment setup. If you need a revolving credit line rather than a current account, compare a business credit card separately; our Tide versus Capital on Tap guide explains the distinction.
Sources and change log
Last checked: 28 August 2026. Product, offer and protection facts should be rechecked monthly and whenever Tide changes its provider terms.
- Tide current-account pricing and plan features
- Tide paid-plan fees and support features
- Approved REFER200 partner application route and public offer conditions
- Tide safety and FSCS-protection information
FAQs
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