TIDE PRO ACCOUNT

With our Pro plan, you’ll get:

• Unlimited free inbound and outbound UK transfers (subject to Tide’s fair use policy, and not including international transfers)
• 2 Expense Cards
• Priority support 24/7 in the app, and on the phone from 9am to 6pm weekdays (excluding bank holidays)
• Access to a 24/7 legal helpline provided by Irwin Mitchell LLP
• A matte black card 

It’s £18.99 + VAT per month, and we’ll take payment on the 4th of each month for that calendar month. If you’d like to pay yearly instead of monthly, it’s £189.99 + VAT.

1. Open the drop-down menu in the top right corner of the app
2. Tap Go to settings
3. Tap Tide plan
4. Tap Upgrade
5. Select the plan you’d like to upgrade to
6. Read the Terms & Conditions and complete your upgrade

We’ll upgrade you immediately. Your first month’s fee is calculated pro-rata, so you’ll only pay for the days remaining in the month rather than for the full month.

If you have multiple companies that you’d like to upgrade, you have to upgrade each one separately and pay individual monthly fees for each company.

It runs from the first of the month until the end of the month, and we’ll take your payment on the 4th.

• • If you downgrade to our Standard free plan after the 1st but before the payment date, you’ll still be charged for the paid plan. We’ll downgrade you for the following month onto our Standard free plan.
    
  • For your first month, you’ll be charged pro-rata – so if you upgrade on the 16th you’ll only pay for the 16th until the end of that month. On the 4th of the following month, you’ll pay for the full month as usual.

If we can’t collect the fee on the 4th of the month because there isn’t enough money in your account, we’ll try again every day until the end of the month.

If we aren’t able to collect the fee, we’ll automatically downgrade your account and you’ll lose access to the paid plan on the 1st of the following month.

We’ll automatically start printing and shipping your black card when you upgrade to your new plan. You can expect it to be delivered to your trading address within 3 to 5 working days.

Your blue card will work until you activate your black card. After that, your blue card is automatically cancelled and you won’t be able to use it anymore.

You can order these in the Tide app:

• Go to More > Expense cards
• Enter your team member’s details
• Select the account you’d like to link the Expense Card to

If your team member passes our security checks, we’ll send the card to your trading address within a week.

You’re not able to order an Expense Card for yourself, as they’re only for your team members.

It’s the same as always: send us a message in the app and you’ll automatically be put through to the right team to answer your question, depending on which plan you’re on.

You can call us from the Support section of the app. Phone support is available from 9am to 6pm on weekdays (excluding bank holidays). For your security, our phone support team will take a few minutes to verify your identity – just like high street banks do.

Calls will be charged at your standard network rate.

• You can make payments in pounds sterling using:
  • Direct Debit
  • Faster Payments

• You can receive payments in pounds sterling using:
  • Direct Debit
  • Faster Payments
  • CHAPS
  • BACS

To make sure you get the best experience from our Pro plan, there are some fair use limitations for our unlimited transfers feature. We’ve worked hard to ensure that these limitations are fair and, rest assured, most members won’t be affected. For example, making an unusually high volume of transfers in and out of your Tide account would not be considered fair use. “High volume” includes receiving and sending more than 6,000 account transfers a month. In addition, any transfers which aren’t allowed under your Tide Terms, such as transactions that breach financial crime regulation, would also not be considered fair usage. If you exceed our fair use policy, we reserve the right to end your access to the free transfers feature and charge you the standard rates – this is per our Tide Terms and applies to any transfer that doesn’t meet our fair use policy.

We may send you an alert if you exceed (or you’re at risk of exceeding) our fair use policy.

We have a financial arrangement with Irwin Mitchell LLP who provide a legal helpline to our members. Trained personnel from Irwin Mitchell LLP will help with any general legal questions you may have, and they’ll specify the level of support over the phone. We pay Irwin Mitchell LLP for their services – they’re independent from Tide and provide impartial and confidential advice.

Irwin Mitchell LLP can give you advice on any aspect of UK law, and they regularly advise on topics like:

• • Business law
  • Consumer law
  • Employment law
  • Family law
  • Personal injury law
  • Property law (both commercial and personal)

Wills and disputes over estate

If you want to file a trademark, or take any legal or tax action, this is available through Irwin Mitchell LLP. Please note, you’ll be charged for these extended services and you’ll need to pass their professional conflict checks first.

The legal helpline isn’t able to help you start legal proceedings or other similar action, and generally doesn’t review documents. 

They’re available 24/7, 365 days a year.

Go to More > Legal help > Call legal helpline

It might look like you’re being charged twice, but you’ll only pay your paid plan fees on the 4th of the month. Then, if there are transactional fees due on top of your paid plan allowance, such as transfer fees,  we’ll ask you to pay for those later in the month. 

We have to charge Value Added Tax (VAT) on the fee for some of Tide’s paid services, including membership plans. That’s because the fee is for ‘value added’ services associated with your membership.

If you’re VAT registered in the UK, you can reclaim the VAT on your membership fee at the end of your accounting period.

The VAT charged on your membership fee is the standard rate. You can read more about VAT rates on Gov.uk.

Your black card will remain active, so you can continue to use it. However, you’ll lose all the other perks that come with our paid plans.

Any Expense Cards you have will remain active, but we’ll start to bill you for them, as our Standard free plan doesn’t include any free Expense Cards. We’ll take this payment on the 4th of the month in which your downgrade took effect.

You can read more about Expense Card charges

You can change your plan through your Tide app.

Just tap the icon in the top right-hand corner of your homescreen, then tap ‘Go to settings’ > ‘Tide plan’.

Here you’ll be able to choose your new Tide plan.

If your new plan offers you more Expense Cards, we’ll send these to your registered address within 5 days.

If your new plan offers fewer Expense Cards, you can still use these cards but you’ll be charged £5 per month for each card not included in your plan. You’ll be charged this on the 4th of each month.

If you’d like to review these, you can read and save our plan T&Cs – they cover our Plus, Pro and Cashback plans

If you’ve got a question, you can message us in the Tide app or email hello@tide.co