Get £200 free using Tide referral code: NEW200
Open a free Tide business account with the referral code NEW200 — type it in during sign-up or use our link to apply it automatically — and claim the double-tier £200 welcome bonus.
Tide referral code
Enter NEW200 when Tide asks for a referral or promo code during sign-up — or just use our link and it is applied for you.
T&Cs apply. New Tide business accounts only. We may earn a reward.
£200
Maximum referral reward
£0
Monthly fee on the Free plan
10 min
Typical time to apply
2m+
Businesses using Tide worldwide
The reward, split in two
How the £200 breaks down
£75
Spend £100 on your Tide card
Make £100 or more of spending on your Tide business expense card within 30 days of opening your account.
£125
Save £5,000 in Tide Instant Saver
Deposit £5,000 into Tide Instant Saver within 7 days of opening and keep it there for one full month.
The two steps are independent — complete either one on its own, or both for the full £200.
Worth more
Why NEW200 beats Tide's refer-a-friend scheme
If a friend sends you their personal Tide invite, the most you can usually earn is £75 to £100 in cash. NEW200 is a different, higher-paying promotion worth up to £200, because it adds a £125 savings reward on top of the spending reward. Only one referral can be attached to an account, so it is worth using the bigger one.
| Refer a friend | NEW200 | |
|---|---|---|
| What you get | £75 to £100 in cash, depending on which version of the friend referral is running | Up to £200 — £75 for card spending plus £125 for saving £5,000 |
| How it is triggered | A friend sends you their personal invite link from inside their Tide app | Tide's own partner link, or the code NEW200 typed in at sign-up |
| Savings reward | None — the friend scheme pays a single cash amount | £125 for funding Tide Instant Saver, on top of the spending reward |
| Saver rate | Standard rate for your plan | New members get the top Instant Saver rates free for the first 4 months |
| Can you combine them? | No — only one referral tag can be attached to an account | Use this one: it is the higher-paying of the two |
Approved and checkable
This is an official Tide offer — check it yourself
NEW200 is an approved Tide promotion, not a third-party discount code. You do not have to take our word for it: click any claim button and you land on Tide's own site, where the offer and its terms are shown before you enter a single detail.
It is Tide's own page
The claim buttons on this site go straight to tide.co — Tide's own domain, on their official partner path for the NEW200 promotion. Nothing is collected here and no details pass through us.
You can check before you apply
Click the link and the NEW200 promotion is named on the Tide page you land on, with Tide's own terms underneath. If it ever stops showing, the offer has changed and we will update this site.
The code is visible, not hidden
NEW200 is printed on this page. You can type it in yourself when Tide asks for a referral code during sign-up — you are never forced to use our link to qualify.
Funded and paid by Tide
Tide sets the conditions, verifies your account and pays the reward into your Tide balance. We have no involvement in whether you are approved or paid.
Four steps
How to claim
- 1
Open your account through the referral link
Tap any claim button on this site — the link applies the NEW200 promotion automatically — or enter the code NEW200 when Tide asks for a referral code during sign-up. The tag cannot be added afterwards.
- 2
Complete the free application
You need photo ID and, for a limited company, your Companies House number. Sole traders and simple limited companies are usually approved in minutes.
- 3
Activate your Tide Mastercard and spend £100
Any business spending counts. Hit £100 within 30 days of opening and the £75 element is triggered.
- 4
Move £5,000 into Tide Instant Saver
Open Instant Saver in the app, deposit £5,000 within 7 days of account opening, and leave it untouched for one full month for the £125 element.
What it is
How a Tide referral works
Tide runs a refer a friend scheme. Anyone who opens a new Tide business account with a referral attached is entered into the current promotion — right now that is NEW200, worth up to £200. You can type the code NEW200 when Tide asks for a referral or promo code, or use our link and it is applied for you.
The referral is attached at the moment you start the application. That is why the reward can never be added afterwards: apply with nothing attached and there is no cashback to pay. If you use the link, start the application in the same browser session in which you clicked it.
Timings
When the money arrives
| Day 0 | You open the account with the code NEW200 or through the referral link, and pass verification. |
| Days 1–7 | Open Tide Instant Saver and move £5,000 in before the 7-day window closes. |
| Days 1–30 | Spend £100 or more on the Tide Mastercard to trigger the £75 element. |
| Around day 37 | The one-month savings holding period completes. |
| Within 30 days of each step | Tide verifies the step and pays that part of the reward into your Tide balance. |
If a reward has not appeared 30 days after you completed a step, message Tide support in-app with the date you opened the account.
Avoid these
Why people miss the payout
Signing up directly at tide.co without the referral link or the code NEW200 — the reward cannot be added later.
Spending less than £100 on the Tide card, or spending it after the 30-day window closes.
Depositing the £5,000 into Instant Saver later than 7 days after opening.
Withdrawing the savings deposit before the full month has passed.
Applying as an existing or previous Tide member.
Leaving the application half-finished, so the account is never fully opened.
Clicking the link, then completing the application days later in a different browser after the tag expired.
Opening a personal account rather than a business account.
Worked examples
What real claims look like
| Business | What they do | Reward |
|---|---|---|
| Freelance designer, no spare cash | Opens the account, puts a £120 software subscription on the Tide card in week one. | £75 |
| Limited company with money in reserve | Spends £100 on the card and parks £5,000 in Instant Saver for a month. | The full £200 |
| Landlord holding a deposit float | Moves £5,000 across on day three, leaves it untouched, uses the card rarely. | £125 |
| Sole trader who applied on tide.co directly | Never used a referral link, so no tag was attached to the application. | Nothing |
The two halves are judged separately, so a smaller business that cannot spare £5,000 still walks away with £75 for ordinary card spending.
Plain English
Tide referral terms explained
Referral link
The tagged URL that connects your new Tide application to an existing member. Clicking it sets a tag that travels with your application — it is the only way the NEW200 reward can be attached.
NEW200
The internal name Tide uses for the current refer a friend promotion. It is the reason the offer is worth up to £200 rather than the smaller amounts paid by older Tide referral rounds.
Qualifying activity
The actions Tide checks before paying: £100 of card spending in 30 days, and £5,000 held in Instant Saver for one month. Each is checked separately.
Referrer and referee
The referrer shares the link, the referee opens the account. On NEW200 the referee — that is you — receives the up to £200 cashback.
FSCS protection
Tide Business Current Accounts are powered by ClearBank, so eligible balances are covered by the Financial Services Compensation Scheme up to £120,000.
Instant Saver
Tide's interest-paying savings account with same-day access. Funding it is what unlocks the larger £125 half of the referral reward.
Eligibility
Who can get it
New to Tide
The offer is for brand new members only. If you hold, or have previously held, a Tide account you are not eligible.
UK registered business
Sole traders, limited companies, LLPs and partnerships registered in the United Kingdom can all apply.
Aged 18 or over
You must be at least 18 and able to pass Tide's standard identity and business verification checks.
Opened via the referral link
Applications started directly on tide.co carry no referral tag, so no cashback can be paid.
Steps completed in time
30 days for the card spend, 7 days to fund Instant Saver, then a full month holding period.
Tide's terms apply
The offer is run and funded by Tide. Tide can change or withdraw it at any time — check their page before applying.
Why choose Tide?
£0 monthly fee on the Free plan
No monthly account charge, no minimum balance and no charge for standard electronic payments in or out.
Instant Saver built in
Spare cash earns interest with instant access — and it is the same account that unlocks the £125 element.
Invoicing inside the app
Create, send and chase invoices, and match incoming payments to them automatically.
Accounting integrations
Connects to Xero, QuickBooks, Sage and FreeAgent so your bookkeeping stays current.
Expense cards for your team
Issue additional Mastercards with individual spending limits and per-card reporting.
Open in minutes, not weeks
No branch visit, no appointment, no credit check to open the account.
No surprises
What Tide actually costs
| Monthly account fee (Free plan) | £0 |
| Bank transfers (Free plan) | 5 free a month, then 20p each |
| Tide Mastercard — UK card payments | Free |
| Foreign currency card payments (Free plan) | 2.75% FX fee |
| ATM withdrawal | £1 |
| Cash deposit at the Post Office (Free plan) | 0.99%, minimum £2.50 |
| Cash deposit at PayPoint | 3% |
| Digital cheque deposit | 70p + 20p transfer fee |
| CHAPS transfer (Free plan) | £15 each |
| Expense card seat (Free plan) | £5 per month each |
| Payroll software | £12 + VAT a month |
Figures are for the Tide Free plan and can change. See the full Tide business account guide for the paid plans.
Your money
Is Tide safe to use?
Who issues the account
Tide is a business financial platform rather than a licensed bank itself. Tide Business Current Accounts are powered by ClearBank, a UK bank authorised by the PRA and regulated by the FCA.
FSCS protection up to £120,000
Because accounts sit with ClearBank, eligible balances are covered by the Financial Services Compensation Scheme up to £120,000 — the current FSCS deposit limit.
Savings accounts
Tide Instant Saver and Tide Tax Saver sit alongside the current account and are covered on the same basis, with interest calculated daily.
Card and fraud protection
The Tide Mastercard can be frozen instantly in the app, and there is a dedicated fraud helpline on every plan alongside 24/7 in-app support.
By trade
Who the Tide referral suits
Freelancers and contractors
A free account that separates business from personal money, with invoicing built in — the card spend half of the referral is easy to hit on software and travel.
Ecommerce sellers
Fast payment matching and accounting sync suit high transaction counts, though only 5 free transfers a month on the Free plan makes Smart or Pro worth costing out.
Trades and services
Post Office cash deposits and mobile invoicing from a van or site are the practical wins; expense card seats suit small crews.
Agencies and consultancies
Expense cards, additional business accounts and same-day payments handle retainer-based cash flow with reserves that can sit in Instant Saver.
Landlords and property companies
Deposit floats and rental reserves make the £5,000 savings half of the referral straightforward to complete.
Businesses handling heavy cash
Post Office deposits cost 0.99% (minimum £2.50) and PayPoint 3%, so a cash-intensive shop or takeaway should cost that up carefully.
History
How the Tide referral reward has grown
| Earlier rounds | Tide referrals typically paid £50–£75 for opening an account and making a single card payment. |
| Mid-tier rounds | A £100 tier appeared, usually tied to card spending alone with no savings requirement. |
| NEW200 (current) | Up to £200, split into a £75 card-spend element and a £125 Instant Saver element. |
Historic amounts are shown for context only. Only the current offer can be claimed.
Quick answers
Tide referral questions
How much is the Tide referral bonus worth?
Up to £200 in total. The NEW200 offer pays £75 for spending £100 on your Tide card within 30 days of opening, and £125 for depositing £5,000 into Tide Instant Saver within 7 days and holding it for one month.
Do I have to complete both steps?
No. The two steps are independent. Complete only the card spend and you receive £75. Complete only the savings step and you receive £125. Complete both and you receive the full £200.
Do I need a Tide promo code?
The code is NEW200. You can enter it when Tide asks for a referral or promo code during sign-up, or simply open your account through the referral link on this site and the offer is applied automatically. Either way, if you sign up without the code or the link, the bonus cannot be added afterwards.
Who is eligible for the offer?
New Tide business account members only. You must be a UK sole trader, limited company or partnership, be aged 18 or over, and not already hold or have previously held a Tide account.
How long does the cashback take to arrive?
Tide pays each part of the reward into your Tide account after the qualifying condition has been verified. Allow up to 30 days after completing a step for the payment to appear.
Is there a fee for opening a Tide account?
No. Opening a Tide Free business account costs nothing and there is no monthly fee on the Free plan. Transaction fees apply for cash deposits, withdrawals and transfers.
Your £200 is waiting
Opening a Tide account is free and takes minutes. The referral reward only applies when you sign up through the link below.
Claim your £200 now