Open your Tide business account with REFER200 & unlock up to £200 cashback
Start with Tide’s £0/month Free plan, business payments, invoicing and expense tools in one app. Use REFER200 as you open your account to unlock up to £200 cashback: £75 for qualifying card spend and £125 for the Instant Saver step.
Independent guide. We may earn a referral fee; your REFER200 offer is unchanged. Up to £200 cashback for eligible new Tide business-account customers. Tide terms and eligibility apply.
Open a modern business account with payments, invoicing and expense tools—then add REFER200 as you apply.
REFER200Offer verified 12 October 2026. Up to £200 cashback for eligible new Tide business-account customers. Tide terms and eligibility apply.
What REFER200 is, in plain English
REFER200 is Tide's current referral code for new business-account customers. It gives you an opportunity to add up to £200 cashback to a powerful app-first business account with payments, invoicing, expense tools and savings support.
New eligible UK applicants: sole traders, freelancers, contractors and limited company directors opening a Tide business account for the first time. Existing Tide customers are not eligible.
Two independent components: £75 for card spend and £125 for an Instant Saver deposit. You can end up with £0, £75, £125 or the full £200 depending on which conditions you satisfy.
Adam Short is the Editor of Business Account Referral, an independent UK guide to business current accounts, referral offers and account-opening incentives. He reviews provider pricing, product features, eligibility rules and promotion mechanics using official provider material, hands-on journey checks and structured comparison criteria.
Reviewed 12 October 2026 · About the team · How we review
What do you want to do?
Stuck on the offer?
The business account 2 million+ businesses worldwide already use.
Tide is a business financial platform, not a bank. It offers ClearBank-powered business bank accounts and some PPS-powered e-money accounts. Open from your phone, manage from the app, and access real human support when you need it.
One place for everything Tide, done properly.
We're not Tide. We're independent UK editors who keep the offer, the small-print and the alternatives in one tidy place — so you don't have to read fourteen tabs.
We disclose every commercial link. Tide controls account approval and cashback validation, not us.
Every product fact cites Tide's official pages. Re-checked 12 October 2026.
REFER200 is stored in one canonical place across the whole site. Update once, propagates everywhere.
Two simple steps. Up to £200 back.
Hit one step — get part of the reward. Hit both — get the full £200. Here's the exact path.
- 1£75 — Card spend reward
Complete £100 of eligible Tide card transactions within 30 days of account opening.
- 2£125 — Instant Saver reward
Deposit £5,000 into Tide Instant Saver within 7 days of account opening and keep at least £5,000 there for 30 days.
- Tide reviews qualifying activity
Tide decides whether the relevant conditions have been met and whether any reward is credited to your business account.
Open a modern business account with payments, invoicing and expense tools—then add REFER200 as you apply.
REFER200- £75Card spend rewardComplete £100 of eligible Tide card transactions within 30 days of account opening.
- £125Instant Saver rewardDeposit £5,000 into Tide Instant Saver within 7 days of account opening and keep at least £5,000 there for 30 days.
Offer verified 12 October 2026. Up to £200 cashback for eligible new Tide business-account customers. Tide terms and eligibility apply.
Five steps from application to cashback
Each reward is judged separately, so work through the steps that apply to the reward you want.
- 1Open with the code
Start your application through our tracked Tide link and enter REFER200 in the referral or promo field before you submit.
- 2Get approved
Complete Tide's identity and business checks. Tide alone decides whether to approve the account.
- 3Deposit £5,000 by day 7
Move £5,000 into Tide Instant Saver within 7 days of your account opening if you want the £125 component.
- 4Spend £100 by day 30
Complete £100 of eligible Tide card transactions within 30 days of opening for the £75 component.
- 5Hold and await Tide’s review
Keep the saver balance at £5,000 or more for 30 days. Tide then reviews qualifying activity and decides whether any reward is credited.
Need it spelled out screen by screen? Read how to use REFER200.
The REFER200 timeline
Day 0 is the day your Tide account opens, not the day you apply.
- Day 0Account opens
Both clocks start. Confirm in the app that the promotion is attached to your account.
- By day 7£5,000 into Instant Saver
Deposit before the deadline rather than on it. A late deposit forfeits the £125 component only.
- By day 30£100 of eligible card spend
Card transactions only. Transfers, internal moves, ATM withdrawals and refunded transactions do not count.
- Days 7–37Hold £5,000 for 30 days
The saver balance must stay at or above £5,000 for the full 30-day hold period.
- After validationTide reviews the qualifying activity
Tide decides whether the conditions have been met and whether any cashback is credited to your business account.
What you would actually earn
Five realistic scenarios showing how the two components stack — or do not.
| Scenario | Potential cashback |
|---|---|
| £150 eligible card spend in the first 30 days, plus £5,000 into Instant Saver on day 3 held for 30 days | £200 |
| £60 card spend, plus a qualifying £5,000 saver deposit held for 30 days | £125 |
| £120 card spend, plus a £4,500 saver balance | £75 |
| £120 card spend, plus £5,000 deposited after the 7-day window | £75 |
| £120 card spend, plus £5,000 deposited on time but withdrawn below £5,000 before 30 days | £75 |
Illustrative only. Tide validates all qualifying activity and determines what is paid.
Who is eligible
- New eligible UK applicants opening a Tide business account for the first time.
- Sole traders and freelancers registered for Self Assessment.
- Contractors operating through their own limited company.
- Limited company directors, including newly incorporated companies.
- Existing Tide customers are not eligible for this new-customer offer, and we do not encourage opening a second account to qualify.
What counts as card spend
The £75 component needs £100 of eligible Tide card transactions inside 30 days. In practice that means genuine purchases made with your Tide card.
- In-store and online card purchases
- Contactless, Apple Pay and Google Pay
- Recurring card subscriptions
- Bank transfers and Direct Debits
- Internal moves between your own accounts
- ATM withdrawals
- Refunded or reversed transactions
Everything you'd want to know, before you click apply.
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Free, Smart, Pro and Max compared side by side.
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Setup, requirements and what you'll need on day one.
"We compared Tide against every UK challenger in 2026. For a sole trader who wants a free account and a usable app, it's still the easiest first business account to open."
Built for UK founders who'd rather not talk to a bank.
Tide opens in minutes from your phone — no branch, no paperwork stack, no awkward calls. Here's who gets the most out of it.
Open in 10 minutes with your phone. Categorise income, send invoices, file receipts.
Companies House lookup, registered-office matching, team cards on Smart, Pro and Max.
Keep business money separate from day one. Move to Smart only when your transfer volume actually needs it.
A card that works as hard as your business does.
Contactless Mastercard debit, instant freeze from the app, and spending categorisation that feeds straight into your tax prep. Add team cards on the Smart, Pro and Max plans.
Free, Smart, Pro and Max — what you actually pay
Tide is a business financial platform. Tide itself is not a bank. Tide offers ClearBank-powered business bank accounts and some PPS-powered e-money accounts, so account protection depends on which account you hold.
| Feature | Free | Smart | Pro | Max |
|---|---|---|---|---|
| Monthly plan fee | £0 | £12.49 | £27.49 | £69.99 |
| Included UK transfers | 5/month | 30/month | Unlimited | Unlimited |
| International card FX fee | 2.75% | 0% | 0% | 0% |
| Additional current accounts | 0 | 1 | 2 | 3 |
| Team cards | 0 | 1 | 2 | 3 |
| Invoicing | 3/month | 3/month | 3/month | Unlimited |
| Instant Saver ongoing AER | 2% | 2.5% | 3% | 3.25% |
| Instant Saver introductory rate | Up to 4% AER | Up to 4% AER | Up to 4% AER | Up to 4% AER |
Checked 12 October 2026 against Tide's published pricing. Plans and pricing checked 12 October 2026 against Tide's published pricing. Rates are variable.
Eligible deposits held with ClearBank may be protected up to £120,000 per eligible depositor, aggregated across deposits held with the same bank.
Funds in PPS-powered e-money accounts are safeguarded rather than FSCS-protected. Safeguarding is not the same as FSCS deposit protection.
The features founders actually use day to day.
Beyond the cashback, this is what makes Tide stick: a fast app, sensible tooling and the basics done well.
Read our full reviewID + selfie verification, usually approved same day.
Send, chase and reconcile from the app in seconds.
Auto-tag transactions for self-assessment & VAT.
In-app chat across all plans, plus a dedicated fraud helpline.
Banking, invoicing & expenses — all in one app.
The Tide iOS and Android app is where you'll spend most of your time. Check balances, send invoices, photograph receipts, and chat with support without ever calling a branch.
Compare Tide against the alternatives.
Side-by-side guides written by the same editorial team. No affiliate ranking trickery.
Editorial changelog
- Jun 2026REFER200 confirmed live
Code re-tested against Tide's partner signup flow. £75 + £125 reward structure unchanged.
- May 2026Instant Saver guidance refreshed
Removed hard-coded AERs in favour of 'market-leading variable rate' language. Rates change frequently — always verify in the Tide app.
- Apr 2026New: Tide vs Revolut Business
Added FX, multi-currency and team seat comparison.
- Mar 2026Old codes deprecated
REFER75 and REFER175 marked invalid sitewide; redirects added.
Potential limitations to weigh up
Tide suits most new UK businesses, but it is not the right answer for everyone.
Cash deposits. Paying in cash means PayPoint or the Post Office and carries a percentage fee, which adds up for cash-heavy retail or trade businesses.
Free-plan transfers. The Free plan includes five outbound UK transfers a month; heavier payers need Smart or above.
Account model. Protection depends on whether you hold a ClearBank-powered bank account or a PPS-powered e-money account.
International needs. If you hold or convert several currencies, Wise or Revolut Business will usually cost less.
Ready to claim REFER200?
Start with Tide’s £0/month plan, payments, invoicing and expense tools—then add REFER200 at sign-up for up to £200 cashback.
Open a modern business account with payments, invoicing and expense tools—then add REFER200 as you apply.
REFER200Offer verified 12 October 2026. Up to £200 cashback for eligible new Tide business-account customers. Tide terms and eligibility apply.
Frequently asked questions
What is the current Tide referral code?+
The current Tide referral code is REFER200. Enter it when opening an eligible new Tide business account to be eligible for up to £200 cashback, subject to Tide terms and eligibility.
How do I get the full £200?+
Complete both qualifying steps: £100 of eligible Tide card spend within 30 days of opening (£75), and £5,000 deposited into Tide Instant Saver within 7 days of opening and held for 30 days (£125).
Can I earn just one of the two rewards?+
Yes. The £75 card-spend reward and the £125 Instant Saver reward are earned independently. Missing the saver deadline does not cost you the card-spend reward, and vice versa.
Where do I enter REFER200?+
In the referral or promo code field during the Tide sign-up flow, before you submit your application. If you use our tracked link the code is usually pre-filled — confirm it reads REFER200 before continuing.
What if I forgot to enter the code?+
Contact Tide in-app immediately. We cannot promise support can add a code retrospectively, so raise it as soon as you notice rather than waiting for the cashback to fail.
Can existing Tide customers use REFER200?+
No. REFER200 is a new-customer offer for eligible new UK applicants. We do not encourage existing customers to open a repeat account to try to qualify.
When does REFER200 expire?+
No fixed end date is published in the material we reviewed. Tide may change or withdraw the offer at any time, which is why we re-check the status editorially and publish the date.
What counts as eligible card spend?+
Genuine purchases made with your Tide card, including contactless, Apple Pay and Google Pay. Bank transfers, internal moves between your own accounts, ATM withdrawals and refunded transactions do not count.
How long does the cashback take to arrive?+
Tide validates qualifying activity after your deadlines pass, so allow time beyond the 30-day windows. If nothing arrives, check the promotion is attached to your account and contact Tide with your evidence.
Is this site Tide?+
No. Business Account Referral is independent and is not Tide. We may receive a referral payment if you open an account through our link or code; this does not reduce your cashback. Tide controls account approval and cashback validation.
Are old codes like REFER175 still valid?+
No. Older codes such as REFER75, REFER100 and REFER175 are historical or withdrawn according to our tracked history. The current code is REFER200.
Is Tide a bank?+
Tide is a business financial platform rather than a bank. It offers ClearBank-powered business bank accounts and some PPS-powered e-money accounts, so protection depends on which account you hold.
Independent introducer disclosure: this site is not Tide and is not operated by Tide. If you sign up using our link or the code REFER200, we may receive a referral reward. Tide controls account approval, eligibility and cashback validation. This is not financial advice. Always check the latest Tide terms before applying. Last checked 12 October 2026.