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Tide Platform S.A. review

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

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Our verdict

Tide Platform S.A. runs a business account with a monthly fee of £0 and an annual fee of £0, which suits small companies that want a plain debit card. The weak spot is spending abroad: the currency conversion fee of 2.75% sits above the site median of 1%.

Key facts

Best for
A business account holder who mostly spends at home and wants no monthly charge.
Monthly fee
£0 (Source, checked September 26, 2026)
Currency conversion fee
2.75% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Features
Virtual card, Travel
Audience
Business
Official website
tide.co

Credit cards

Annual fee
£0 (Source, checked September 26, 2026)
Currency conversion fee
2.75% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
0.5% on eligible Tide Card transactions on Max plan (Source, checked September 26, 2026)
Cashback rate
0.5% (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Virtual card, Travel
Audience
Business

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • A monthly fee of £0 and an annual fee of £0, so keeping the account open costs nothing.
  • A debit card, so payments come straight from the account balance.
  • Cashback of 0.5% on eligible Tide Card transactions for members on the Max plan.

Cons

  • Currency conversion of 2.75% on foreign spend, above the site median of 1% for debit cards.
  • Support runs on help centre only, so no phone or chat route is listed.
  • The cashback rate applies on the Max plan, so members on other plans get nothing back.
Tide Platform S.A.

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Scored 8.6 / 10 by DebitCue.

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Who it suits

  • Business account holders paid in sterling who do most of their spending in their home currency.
  • Teams that want a virtual card for each project or subscription.
  • Companies that want everyday banking and a card with nothing to pay for holding it.

Who should look elsewhere

  • Wise, if foreign spending is routine, since its currency conversion fee is 0.1% against the 2.75% charged here.
  • Varo Believe Secured Credit Card, for personal spending and credit building, since its monthly fee of $0 buys a secured credit card rather than a business account.

Fees and FX

Costs split between keeping the account and moving money. The monthly fee is £0 for business customers, so the account itself adds nothing to a monthly bill. Currency conversion is the part that costs: 2.75% on foreign spend, a real expense for a company paying suppliers or staff in another currency.

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

How much does the Tide account cost to keep?+

The monthly fee is £0 and the annual fee is £0, so holding a business account adds no regular charge. That makes the fixed cost side the easy part to judge. Spending abroad is where the running cost appears, through the currency conversion fee.

What does Tide charge for spending in another currency?+

The currency conversion fee is 2.75% on foreign spend. That sits above the site median of 1% and leaves Tide at 207 of 259 brands compared on this measure. A company paying suppliers abroad should expect the conversion cost on each such payment.

Is the Tide card a debit card?+

Yes. The card is a debit card, so purchases draw on the balance in the account rather than building a credit line. The account is aimed at business customers, so the card is designed around company spending rather than personal borrowing and monthly repayments.

Does Tide pay cashback or other rewards?+

Rewards come as cashback. The rate is 0.5% on eligible Tide Card transactions and it applies on the Max plan, so members on other plans do not see that rate. Treat the cashback as a plan perk rather than a reason to pick the account on its own.

Who is the Tide account built for?+

The account is aimed at business customers and is priced on a no annual fee basis, which is part of why the monthly fee is £0. It suits businesses that want everyday banking and a card without paying to keep the account open.

Does Tide offer virtual cards?+

Its listed features include virtual card and travel, so a virtual card sits alongside the travel angle. Virtual cards help when a team wants a separate card for each subscription, project or online payment, rather than sharing a single physical card for everything.

How do I get help from Tide?+

Support runs through help centre, so the published route to help is the self service centre rather than a phone or chat line. Anyone who needs to speak to a person should plan around that, and raise account questions early if a card or payment is blocked.

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.

A business account holder who mostly spends at home and wants no monthly charge.

8.6/10See alternatives