Tide

Pricing

• •incorporated in FRThe French price list quotes prices excluding VAT (e.g. "8 EUR HT" is 9.60 EUR including VAT), while the UK and German price lists show final prices. At an identical annual fee the French offer therefore looks about 20% cheaper than it is.
• •On the Free (Lite) plan the first 5 eligible transactions each month are free, then 20p per transaction. The count covers inbound Faster Payments, BACS and CHAPS, adding money, outbound Faster Payments and Direct Debits.
• •On the Lite (free) plan the first 5 SEPA transfers each month are free before the per-transfer fee applies; the allowance covers incoming and outgoing SEPA Credit Transfers, SEPA Instant Credit Transfers and SEPA Direct Debits.
• •On the Forfait Gratuit (Lite) plan the first 5 SEPA operations each month are free before the per-operation fee applies; the allowance covers incoming and outgoing SEPA transfers, including SEPA Instant, and euro direct debits.

Limits

• •On top of the published transfer ceilings, Tide applies limits on the account balance, on monthly transfers, single payments and card transactions, and on payments to newly added payees.
• •Account and transaction limits are not published: they are shown inside the Tide app, may be lower during the first 30 days after opening, and can be changed at any time. A maximum account balance may also apply.
• •No limit is published for SEPA or SWIFT transfers: the account ceilings are set inside the app by the account and card providers according to their risk assessment.
• •The card and ATM ceilings are limits of the Tide card rather than of the plan, so they are identical on both French plans: minimum 0.01 EUR per transaction, maximum 10,000 EUR per transaction and per cardholder, with the daily and monthly caps applying per member account.

Payments & transfers

• •Tide's terms state that payment restrictions exist but do not list the countries concerned: which payments are restricted is decided by Tide at its sole discretion.
• •Tide Germany does not offer an account to businesses that manage funds for third parties, or that administer, use or control a third party's assets (for example clients' or principals' money) inside a Tide business account. Transfers made on behalf of a third party are explicitly included.
• •The euro SEPA details belong to the GBP UK account: euros received are automatically converted into GBP and credited to the main Tide account. Each member has one single set of SEPA details.
• •The USD ACH details are attached to the GBP UK account: incoming dollars are held as e-money, then redeemed and credited to the Tide business account in GBP at the applicable conversion rate.

Cards

• •The Tide card cannot be used in 28 countries: Afghanistan, Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, Cuba, Darfur, North Korea, DR Congo, Eritrea, Guinea, Guinea-Bissau, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, Russia, Somalia, Sudan, Syria, the sanctioned regions of Ukraine, Venezuela, Yemen and Zimbabwe. This concerns card usage, not account opening or transfers.
• •In a further 14 countries only magnetic-stripe card transactions are blocked: Brazil, India, Indonesia, Kuwait, Mexico, Moldova, Pakistan, the Philippines, Romania, Saudi Arabia, Thailand, Turkey, the United Arab Emirates and Vietnam.

Crypto

• •The crypto restriction is written broadly: Tide cannot service businesses "actively issuing or exchanging virtual currencies", and states this includes "any interaction with crypto assets and crypto exchanges, including all transactional activity".
• •incorporated in FRTide's French entity does not publish a prohibited-sector list of its own: the cryptocurrency restriction shown for France comes from the UK and German lists, which both prohibit cryptocurrency activity.

Business activity

• •Tide's published prohibited-business list also covers activities that no standard sector label captures: sale, import or export of used vehicles and heavy machinery; unauthorised waste management; bidding fee auctions; shell companies; and unregistered livestock breeders.
• •Tide's prohibited-business list also covers pharmaceutical trading and scrap metal dealing by unlicensed operators.
• •incorporated in FRTide's French entity does not publish a prohibited-sector list of its own: the restrictions shown for France are those published by Tide in the UK and in Germany.
• •The UK and German lists also cover activities that no standard sector label captures: sale, import or export of used vehicles and heavy machinery; unauthorised waste management; bidding fee auctions; shell companies; unregistered livestock breeders; and pharmaceutical trading or scrap metal dealing by unlicensed operators.

Opening an account

• •incorporated in FRThe French offer is open only to single-owner structures: the eligible legal forms are entreprise individuelle (EI), micro-entreprise (ME), SASU and EURL, and the product is described as being for founders of an EURL or SASU. An SAS or a SARL with two or more shareholders is not on that list.

Licence & regulation

• •Tide is not a bank. In the UK the current accounts are powered by ClearBank, while the German and French accounts are provided by Adyen N.V.; the EU Tide card is issued by the Belgian e-money institution PPS EU SA.