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Tide Platform S.A. review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Tide Platform S.A. suits businesses wanting a fee-free debit card with optional cashback and virtual-card features. Its monthly fee is £0, although the currency conversion fee of 2.75% is a weak point for frequent overseas spending.

Key facts

Best for
Businesses seeking a no-annual-fee debit card with useful virtual and travel features.
Monthly fee
£0↗
Currency conversion fee
2.75%↗
Card type
Debit↗
Support channels
Help-centre↗
Features
Virtual card, Travel
Audience
Business
Official website
tide.co

Credit cards

Annual fee
£0↗
Rewards type
Cashback↗
Rewards rate
0.5% on eligible Tide Card transactions on Max plan↗
Cashback rate
0.5%↗
Pricing model
No annual fee

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The business account has a monthly fee of £0.
  • The annual fee is £0.
  • The card is a debit card, and virtual-card and travel features are available.
  • Cashback is offered through cashback on eligible Tide Card transactions on the Max plan.

Cons

  • The currency conversion fee is 2.75%, which may make overseas spending costly.
  • Support runs through a help centre.
Tide Platform S.A.

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Scored 8.6 / 10 by SumCue.

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Who it suits

  • Businesses that mainly want everyday spending without a monthly or annual fee
  • Business users who want a virtual card and travel features
  • Businesses that can use cashback on eligible Tide Card transactions on the Max plan

Who should look elsewhere

  • Wise may suit people prioritising a lower currency conversion fee of 0.1%.
  • bunq may suit people whose priority is its monthly fee of €0.

Where it sits among rivals

Tide ranks 1 among 422 brands for monthly fee, making it a strong choice on the core account cost. Its currency conversion fee ranks 211 among 258 brands, so the picture is less favourable for frequent overseas spending.

How Tide Platform S.A. compares

Where Tide Platform S.A. is available

Available
United Kingdom

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is Tide's monthly fee?+

Tide's business account has a monthly fee of £0. The account also follows a no annual fee model, reinforcing that the core proposition avoids a regular monthly charge.

Does Tide charge an annual fee?+

Tide's annual fee is £0. Together with the monthly fee of £0, this makes the base account cost easy to assess before choosing it for business spending.

What is the currency conversion fee?+

Tide charges a currency conversion fee of 2.75%. This is a meaningful cost for a business that repeatedly spends in another currency, so overseas use should be considered before opening the account.

What rewards does the Tide card offer?+

The Tide Card offers cashback. The stated reward is 0.5% on eligible Tide Card transactions on Max plan, so the reward is tied to eligible transactions and the Max plan rather than applying generally.

What type of card does Tide offer?+

Tide offers a debit card for business use. The available features also include a virtual card, which can be useful for businesses that want more control over how a card is used.

Which businesses is Tide aimed at?+

Tide is aimed at a business audience. Its debit card, virtual-card feature and travel feature make it relevant to businesses that want everyday payment tools alongside travel spending.

How can Tide customers get support?+

Tide support is available through a help centre. The stated channel is designed to provide assistance without claiming that direct or round-the-clock support is included.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Tide Platform S.A.

Tide Platform S.A.

Businesses seeking a no-annual-fee debit card with useful virtual and travel features.

8.6/10See alternatives