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Tide

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The free online business account.
Your business account, with integrated financing solutions. Open a free business account, manage your payments, track your cash flow, and access partner financing, all in one platform.
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This deal requires you to create a new account to benefit from the discount. It is reserved for new customers

€150 cashback

All our deals are negotiated by our team to give you the best discount and are updated regularly.
This deal requires you to create a new account to benefit from the discount. It is reserved for new customers
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📅 April 2026 -

 Our promo code verified with the software 

Tide

Benefit from €150 cashback on any plan on Tide.

Save €150 cashback on Tide thanks to our exclusive partnership.

Freelance Stack is the first deals platform to access best discounts, coupon codes and credits on 650+ software, SaaS and online services for entrepreneurs and startups. We offer exclusive and validated discounts that we negotiate directly with partners to help you to grow and save money. Our coupon codes enable thousands of entrepreneurs, startups, freelancers and consultants to save thousands of euros on best software.

Don't wait any longer and save €150 cashback on any plan on Tide.

📄 Information about 

Tide

Tide is an innovative financial management platform designed for professionals, offering an easy-to-open online business account with no monthly subscription fees, a free Mastercard, SEPA payments, Apple Pay and Google Pay, and deposit protection up to €100,000. It allows freelancers, micro-businesses, and small businesses to send and receive payments, track their cash flow in real time, automate their transfers and direct debits, and manage their expenses directly from the mobile or web app.

The platform also includes billing tools, automatic transaction categorization, and financial analysis features, simplifying accounting and tracking of daily activities without the need for external software. Tide also provides access to financing and business credit solutions, with personalized offers to support your business's growth and optimize your overall financial management.

  • Send and receive payments: Send, receive, and schedule one-time or recurring transfers in the United States and Europe. Automate your regular payments such as subscriptions or supplier invoices.
  • Pay by card or withdraw cash: Use your free Mastercard for your business purchases anywhere. Need cash? Withdraw at any time from ATMs.
  • Pay with your phone: Add your Tide card to Apple Pay or Google Pay, or use your virtual card to pay for your purchases with ease.
  • Real-time tracking: Receive instant notifications for every payment sent or received, so you can stay on top of your cash flow.

The Tide Virtual Card is finally available:

  • No need to wait for your physical card to start managing your spending. The Tide virtual card is available free of charge as soon as you open your account. It allows you to pay online or in-store securely from the app.
  • Activated immediately in the Tide app.
  • Compatible with Apple Pay and Google Pay.
  • Replaceable at any time, in one simple step.

It's the ideal solution for staying agile, protected, and always ready to move forward.

Customer service you can count on:
At Tide, your success is their priority, and to that end, they provide you with access to their customer service directly from the app.

Who is Tide for?

Tide offers a platform with financing and management solutions for professionals operating under the following statuses:

  • Self-employed entrepreneurs.
  • Micro-enterprises, freelancers, consultants, and self-employed artisans .
  • Single-member companies.
  • For managers of EURLs or SASUs who are sole proprietors with a company that has a separate legal personality.
  • Established designers and companies.

Whether you're starting your business or managing an existing one, Tide adapts to your needs as you grow.

Are you eligible for a Tide business account?

To apply for a business account with Tide, the entire process can be completed in a few minutes via the app. To do so, you must:

  • Be over 18 years old
  • Havea business registered in France and a SIREN number (under one of the following legal statuses: EI, ME, SASU, EURL)
  • Have a valid form of identification (passport, ID card, or residence permit).
  • Take a selfie to verify your identity.

📋 Tide features:

In this section, you will find our opinion the main features of Tide. All of these features are subject to regular updates. We recommend that you check that they are available before purchasing any software.

Tide is a banking solution designed for small businesses and entrepreneurs looking to simplify their day-to-day financial management. This British neobank offers an integrated ecosystem that combines a business account, invoicing tools, and accounting services, enabling small business owners to centralize all their financial operations within a single, intuitive platform.

Tide's approach is based on a philosophy of administrative simplification that is particularly well-suited to the needs of freelancers, consultants, and small businesses, who may not have the resources to manage complex financial systems. The platform eliminates the friction typically associated with traditional banks by offering fast account-opening processes, modern interfaces, and features designed specifically to address the challenges faced by entrepreneurs.

This solution is primarily designed for growing businesses that need professional tools without the complexity and costs associated with traditional corporate banking solutions. Tide supports its users as they grow by offering scalable services that adapt to the evolving needs of their business.

  • Multi-currency business account: Tide allows you to open and manage multiple accounts in different currencies, simplifying international transactions and eliminating excessive currency conversion fees for businesses that work with international clients. This feature is particularly useful for freelancers and digital agencies that regularly invoice in euros, dollars, or pounds sterling.
  • Integrated invoicing platform: The invoicing tool allows users to create and send professional invoices directly from the banking interface, with automatic payment tracking and reminders. Users can customize their invoice templates, set payment terms, and track the status of each transaction in real time.
  • Debit cards with no hidden fees: Tide offers physical and virtual debit cards with a transparent fee structure, allowing you to make business purchases and withdrawals without any financial surprises. These cards integrate seamlessly with the expense management system and provide granular control over authorizations and limits.
  • Automated VAT Management: The system automatically calculates and categorizes transactions subject to VAT, generating detailed reports that significantly simplify quarterly tax filings. This automation reduces calculation errors and saves entrepreneurs valuable time, allowing them to focus on their core business.
  • Advanced accounting integrations: Tide integrates natively with leading accounting software such as Xero, QuickBooks, and FreeAgent, enabling two-way synchronization of financial data. This integration eliminates manual data entry and ensures complete consistency across different management tools.
  • Activity-based express loans: The platform analyzes transaction history to offer tailored financing solutions, with quick decisions and transparent terms. These loans can be used to finance growth, manage cash flow, or invest in new equipment.
  • Analytics and dashboards: The interface provides detailed visualizations of financial flows, including performance charts, cash flow projections, and trend analyses that help executives make informed decisions. These insights enable users to quickly identify opportunities for optimization and potential risks.

The Tide ecosystem thus transforms corporate financial management into a seamless and intuitive process, freeing entrepreneurs from administrative burdens so they can focus fully on growing their business.

📊 Tide Pros and Cons:

This section provides a summary of the advantages and limitations of using Tide on a daily basis. We are not paid or influenced by brands, and this content is solely our own. These features, their advantages and disadvantages are likely to change regularly, both positively and negatively. If you have complex needs, we invite you to contact the software publisher directly for more information about your requirements. 

👍 Pros with Tide:

  • Exceptional ease of use: Tide stands out for its intuitive interface, which allows entrepreneurs and freelancers to manage their accounting without any prior training. The native mobile app offers a seamless user experience, allowing users to scan and categorize receipts in seconds, create professional invoices directly from their smartphone, and get a real-time overview of their financial situation. This remarkable accessibility eliminates the technical barrier that often discourages small businesses from maintaining accurate accounting records.
  • Quick account opening with no subscription fees: Opening a UK business account with Tide is free and takes just a few minutes via the app, with no minimum deposit required. The model is transparent: you pay no monthly account maintenance fees, which is ideal for small businesses. You’ll receive a Mastercard and a valid UK IBAN. Outgoing transactions are charged per transaction (20p), so you only pay for what you actually use with no long-term commitment.
  • Simplifying expense reports with OCR: The platform helps automate the entry of your expenses using a highly effective optical character recognition tool. By photographing a receipt, the app extracts the amount, date, and sales tax to suggest an expense category. This greatly simplifies bank reconciliation and the preparation of your tax returns, saving you from spending hours manually entering every single receipt at the end of the month.
  • Native UK tax compliance: Tide was specifically designed for the UK tax system, with native integration of HMRC (Her Majesty's Revenue and Customs) requirements. The platform automatically calculates VAT based on current rates, generates quarterly returns in the required format, and maintains a complete audit trail of all your transactions. For UK sole traders and limited companies, this native compliance offers a significant advantage, eliminating the risk of costly errors and drastically simplifying reporting obligations.
  • Ecosystem of specialized business integrations: The platform offers native connections with over 50 popular tools used by freelancers and small businesses, including Shopify, PayPal, Stripe, Xero, and FreeAgent. These two-way integrations automatically sync your sales, payment, and billing data, creating a cohesive ecosystem that eliminates redundant manual data entry. This ecosystem-based approach enables centralized financial management, which is particularly valuable for multi-channel businesses that juggle online stores, in-person sales, and service provision.
  • Support tailored to the unique needs of UK businesses: The Tide team doesn’t just handle technical issues—they truly understand the challenges faced by small businesses based in the UK. Their support team is trained to help you navigate the account management tools, with an extensive knowledge base tailored for new entrepreneurs. They’re a valuable ally in understanding how to integrate your finances into your day-to-day operations without having to search for answers all over the web.

👎 Cons with Tide:

  • Basic accounting features only: It is important to note that Tide is primarily a banking solution with integrated management tools. If your needs go beyond simple invoicing or VAT tracking, you will quickly reach the tool’s limits. In that case, you will need to connect Tide to specialized software such as Xero or QuickBooks, which will incur additional costs.
  • Limited geographic availability: Tide is currently available only in the United Kingdom and India, which significantly limits its adoption among French-speaking entrepreneurs. This geographic restriction can be frustrating for freelancers in France, Belgium, or Switzerland who would like to take advantage of these digital banking services. Even if you work with British clients, the inability to open an account from France is a major obstacle to using this solution.
  • Room for improvement in customer support: Many users report that customer support response times can sometimes be long, particularly during peak periods. Support is primarily provided via live chat and email, with no option for direct phone contact in urgent situations. This limitation can be problematic when you encounter urgent technical issues, especially during major transactions or when facing account lockouts that require immediate resolution.
  • Limited investment and savings options: Unlike some traditional banks or competing neobanks, Tide does not offer attractive savings products or integrated investment options. Funds remain in the checking account without generating significant interest, which can represent a loss of income for freelancers looking to optimize their cash flow management. This lack of financial diversification forces users to seek external solutions to grow their excess cash.
  • Exclusive reliance on technology: Tide operates entirely online, with no physical branches and no option to meet with an advisor in person. This 100% digital approach can pose challenges for entrepreneurs who are less comfortable with technology or those who prefer face-to-face interaction when making important financial decisions. In the event of a technical failure or major issue with the app, the lack of a physical alternative can create difficult situations for business continuity.

💰 Tide pricing:

All prices listed are taken from the Tide software website. However, these prices are subject to change regularly. We recommend that you check them directly on each software's website to be sure. 

Tide offers a range of banking solutions tailored to the needs of businesses, ranging from free accounts for small businesses to premium plans for growing companies.

The platform stands out for its transparent pricing, with plans clearly tailored to each company's volume of business and specific needs.

 

Plan Rates Included
Free £0/month Checking account, debit card, 5 free transfers per month, mobile app
More £7/month All Free features + unlimited transfers, accounting integrations, priority support
Pro £25/month Everything Plus + multiple accounts, additional cards, premium services
Cashback £35/month All Pro + 1% cashback on eligible purchases, exclusive benefits

💬 Frequently asked questions about Tide's promo:

In this section, you will find all the main questions you may have about accessing this discount. We wanted to provide you with as much information as possible to help you save as much as possible on your software subscriptions. 

1️⃣ How to access to the deal with Tide?

This promo code allows you to save money and enjoy premium features on Tide paid plans and subscriptions. Check the eligibility criteria on this page to see if you can benefit from this discount. Don't miss out on the opportunity to pay less for your subscription to one of the best tools on the market.

2️⃣ Why Freelance Stack can help you to access to Tide discount?

As a partner of Tide, you can easily save on your subscription to this software. Without us or another affiliate partner, you will have difficulties to activate the discount. We are the largest discount promo code platform for software and SaaS in the world.

3️⃣ How to use Tide deal?

To use the discount with Tide, you need to click on the various buttons that may be available on the right side of the deal page and follow the instructions to unlock this promotion.

4️⃣ What are Tide's promo requirements?

We specify all the terms and conditions on each deal page. You must click on the various buttons on the deal page to view all the terms and conditions. This deal requires you to create a new account to benefit from the discount. It is reserved for new customers of Tide.

🔄 Alternatives to Tide software:

Find the right software with our suggestions for alternative solutions.

When growing a business, comparing the right tools is essential. With thousands of options available, these solutions are strong alternatives to Tide 
Indeed, Tide is a solution that can adapt according to your needs:

1️⃣ If you are a freelancer or consultant:

For simplified accounting management, FreeAgent stands out as an excellent option specifically designed for freelancers. This UK-based solution excels at tracking billable time, automatically generating invoices, and integrating with bank accounts. Its intuitive interface lets you categorize your expenses in just a few clicks and prepare your VAT returns with ease. Wave Accounting is also a smart choice, particularly if you’re just starting your business. This free platform offers all the essential features: invoicing, payment tracking, expense management, and basic financial reports. For those who prefer absolute simplicity, Zoho Books offers a streamlined approach with useful collaboration features if you work with an external accountant. Its automated rules system saves you valuable time on repetitive tasks, while its mobile app lets you scan and file your receipts directly from your smartphone.

2️⃣ If you are a startup:

QuickBooks Online is a robust solution that scales with your business. Its ability to handle multiple currencies, advanced integrations with e-commerce platforms, and inventory management features make it a strategic choice for tech startups. The advanced reporting module helps you present clear financial data to your investors. Xero stands out for its particularly rich ecosystem of third-party apps, ideal for connecting your accounting to your other business tools. Its multi-user management with granular permissions is perfectly suited for growing teams. For tech-focused startups, Sage Business Cloud Accounting offers powerful APIs and a cloud-native architecture that facilitates custom integrations. Its real-time dashboard gives you immediate visibility into your cash flow, a critical factor for any startup in the development phase.

3️⃣ If you are a small business or an SME:

Sage 50cloud has established itself as the go-to solution for established businesses seeking a comprehensive system. Its integrated sales management module allows you to manage quotes, orders, and invoices all in one place, while its regulatory reporting capabilities simplify your accounting obligations. EBP Compta remains a top choice for French companies thanks to its full compliance with French standards and local customer support. Its automated fixed asset and depreciation management significantly simplifies your financial accounting. For international SMEs, NetSuite offers a comprehensive ERP suite that goes beyond basic accounting. Although more complex to implement, this platform unifies accounting, CRM, and operations management, providing a consolidated view of your business. Its workflow control and multi-criteria approval system secures your financial processes while maintaining the agility necessary for your growth.

Otherwise, these other software programs may also be a good alternative to Tide

🆕 Our new Premium deals:

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