Business Finance

Tide

A business finance app for small and medium-sized businesses managing money and expenses.

Overview

Tide puts business banking and credit in one app. You can manage expenses there, while payment links can accompany an invoice or be sent separately. Card transaction fees apply. The Lite plan has no plan fee and covers the essentials for getting started. Tide also connects with Xero to send categorised data, invoices, receipts and bills.

Updated Nov 6, 2026

7 things

What Tide has

Apps

iOS (store page, opens in a new tab)

Support

Help from the vendor at any hour, every day of the week. One of 12 Business Finance tools with 24/7 support.
Get help from the support team by writing to them via email. One of 17 Business Finance tools with email support.
Real people you can contact when you need help with the tool.
Get help from the support team through a real-time chat window. One of 13 Business Finance tools with live chat.
Get help from the support team by calling them directly on the phone. One of 14 Business Finance tools with phone support.

Extras

An online space where users can connect, share tips, and help each other. One of 6 Business Finance tools with community.

16 features

Key Features

Business finances
All your business finance needs in one app, from banking to credit. Join over 1.5 million SMEs worldwide, and get back to doing what you love.
Bookkeeping and tax
Automate your bookkeeping and file your returns for free with our HMRC-recognised tools - built to make staying compliant simple.
Payments
Make and receive payments faster using our payment tools.
Invoices and accounting
Create invoices and do your accounting all in one place.
Loan comparison
Compare loans and alternative finance from over 80 lenders.
Finance eligibility
Check your eligibility in minutes, without affecting your credit score.
Business account
Our free business account has all the essentials you need to get going, and we offer smart features to help you get paid, monitor spend, automate tax and much more.
Phone payments
Accept contactless payments without any hardware, right from your phone. Currently available on iPhone, with Android support coming soon.
International payments
Send and receive Euro SEPA payments right from your Tide account with low transfer fees.
Team access
Read only access on our free plan, or enhanced access on our paid plans so you can collaborate and delegate with ease.
Payment tools
Make and receive payments faster using our payment tools.
Invoicing and accounting
Create invoices and do your accounting all in one place.
Eligibility checks
Check your eligibility in minutes, without affecting your credit score.
Business borrowing
Borrow from £1,000 to £20 million to fund new projects, assets and boost cash flow.
Savings account
Earn up to 4.51% interest* and access your funds whenever you need them with our savings account, so your money can work as hard as you do.
Tap to Pay
Accept contactless payments without any hardware, right from your phone. Currently available on iPhone, with Android support coming soon.

Pros and cons

Pros

Support is available 24/7 by phone and in-app chat, with real agents supporting the AI chat.
Payment links are free to generate and can accompany an invoice or be sent separately. Card transaction fees apply.

As of November 2026

Pricing

Lite
Free

You?

Be the first to rate Tide

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See Tide at work before you try it.

Watch on YouTube

5 questions

FAQs

Is Tide free?

Yes. The Lite plan has no plan fee and includes essential tools for getting started.

Does Tide offer a free trial?

Yes. Tide offers a free trial. When it ends, fees are calculated pro rata for the remaining days of that month.

What does Tide do?

Tide brings business banking and credit into one app. You can also manage business expenses through the app.

Who is Tide for?

Tide is for small and medium-sized businesses that want to manage business finances in an app.

Does Tide connect with Xero?

Yes. Tide can send categorised data, invoices, receipts and bills straight to Xero from Tide.

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Community reviews

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No reviews yet

Community reviews

Sort:Write a review

No written reviews yet. Be the first to share your experience.

Tried this tool? Share your experience.

Write a review

7 things

What Tide has

Apps

iOS (store page, opens in a new tab)

Support

Help from the vendor at any hour, every day of the week. One of 12 Business Finance tools with 24/7 support.
Get help from the support team by writing to them via email. One of 17 Business Finance tools with email support.
Real people you can contact when you need help with the tool.
Get help from the support team through a real-time chat window. One of 13 Business Finance tools with live chat.
Get help from the support team by calling them directly on the phone. One of 14 Business Finance tools with phone support.

Extras

An online space where users can connect, share tips, and help each other. One of 6 Business Finance tools with community.

16 features

Key Features

Business finances
All your business finance needs in one app, from banking to credit. Join over 1.5 million SMEs worldwide, and get back to doing what you love.
Bookkeeping and tax
Automate your bookkeeping and file your returns for free with our HMRC-recognised tools - built to make staying compliant simple.
Payments
Make and receive payments faster using our payment tools.
Invoices and accounting
Create invoices and do your accounting all in one place.
Loan comparison
Compare loans and alternative finance from over 80 lenders.
Finance eligibility
Check your eligibility in minutes, without affecting your credit score.
Business account
Our free business account has all the essentials you need to get going, and we offer smart features to help you get paid, monitor spend, automate tax and much more.
Phone payments
Accept contactless payments without any hardware, right from your phone. Currently available on iPhone, with Android support coming soon.
International payments
Send and receive Euro SEPA payments right from your Tide account with low transfer fees.
Team access
Read only access on our free plan, or enhanced access on our paid plans so you can collaborate and delegate with ease.
Payment tools
Make and receive payments faster using our payment tools.
Invoicing and accounting
Create invoices and do your accounting all in one place.
Eligibility checks
Check your eligibility in minutes, without affecting your credit score.
Business borrowing
Borrow from £1,000 to £20 million to fund new projects, assets and boost cash flow.
Savings account
Earn up to 4.51% interest* and access your funds whenever you need them with our savings account, so your money can work as hard as you do.
Tap to Pay
Accept contactless payments without any hardware, right from your phone. Currently available on iPhone, with Android support coming soon.

Pros and cons

Pros

Support is available 24/7 by phone and in-app chat, with real agents supporting the AI chat.
Payment links are free to generate and can accompany an invoice or be sent separately. Card transaction fees apply.

As of November 2026

Pricing

Lite
Free

You?

Be the first to rate Tide

Your review helps others make better decisions. No account needed. Takes about 10 seconds.

Featured Video

See Tide at work before you try it.

Watch on YouTube

5 questions

FAQs

Is Tide free?

Yes. The Lite plan has no plan fee and includes essential tools for getting started.

Does Tide offer a free trial?

Yes. Tide offers a free trial. When it ends, fees are calculated pro rata for the remaining days of that month.

What does Tide do?

Tide brings business banking and credit into one app. You can also manage business expenses through the app.

Who is Tide for?

Tide is for small and medium-sized businesses that want to manage business finances in an app.

Does Tide connect with Xero?

Yes. Tide can send categorised data, invoices, receipts and bills straight to Xero from Tide.

Tide

Overview

What Tide has

Apps

Support

Extras

Key Features

Business finances

Bookkeeping and tax

Payments

Invoices and accounting

Loan comparison

Finance eligibility

Business account

Phone payments

International payments

Team access

Payment tools

Invoicing and accounting

Eligibility checks

Business borrowing

Savings account

Tap to Pay

Pros and cons

Pros

Pricing

Tide pricing plans

Lite

Be the first to rate Tide

Featured Video

FAQs

Is Tide free?

Does Tide offer a free trial?

What does Tide do?

Who is Tide for?

Does Tide connect with Xero?

What Tide has

Apps

Support

Extras

Key Features

Business finances

Bookkeeping and tax

Payments

Invoices and accounting

Loan comparison

Finance eligibility

Business account

Phone payments

International payments

Team access

Payment tools

Invoicing and accounting

Eligibility checks

Business borrowing

Savings account

Tap to Pay

Pros and cons

Pros

Pricing

Tide pricing plans

Lite

Be the first to rate Tide

Featured Video

FAQs

Is Tide free?

Does Tide offer a free trial?

What does Tide do?

Who is Tide for?

Does Tide connect with Xero?

More in Business Finance

More in Business Finance