Tide referral code: REFER200 & Get £200 FREE
Use the Tide referral code REFER200 to get £200 FREE. See what the brand offers, how to apply and what you need to do next.
Tide offer at a glance
- Reward
- £200 FREE
- How to claim
- Enter REFER200
- Category
- Business
- Last checked
- 1 October 2026
Evidence status
Active listing — confirm final terms
The destination is live, but the provider may change eligibility, reward value or timing.
About Tide
Tide is a UK business financial platform built for sole traders, freelancers, contractors and limited companies. It launched in 2017 as one of the first mobile-first business accounts in Britain, and it now serves more than two million members worldwide. Around one in seven UK small businesses bank with Tide, which makes it one of the biggest names in small-business banking.
The core product is a business current account you open and run from the Tide app. You get a Mastercard business debit card, sort code and account number, real-time payment notifications and instant transfers. Around the account, Tide adds tools small firms would otherwise pay for separately: invoice creation and tracking, receipt capture, expense cards for team members, bookkeeping exports, tax estimates and an Instant Saver account that pays interest on spare cash.
Tide offers several plans. The Free plan has no monthly fee and charges small per-transaction fees. Smart, Pro and Max add monthly fees in exchange for more free transfers, accounting tools, cashback, priority support and extra expense cards. Businesses can start on Free and upgrade later without switching accounts.
Tide is not a bank itself. It is authorised by the Financial Conduct Authority as an electronic money institution. Its current and savings accounts are provided by ClearBank, a UK-regulated bank, so eligible deposits in those accounts are protected by the Financial Services Compensation Scheme up to £120,000. Tide can also register a new limited company with Companies House during sign-up, which is useful if you are starting from scratch.
Get £200 FREE with Tide
The Tide offer listed here uses referral code REFER200 and the Tide partner link on this page, which advertises up to £200 for new business customers. Tide pays referral bonuses into the new member's Tide account once the account is open and the qualifying activity is complete.
Tide's standard Refer a Friend rules ask the new member to enter a referral code when they apply, get approved, and then spend at least £500 on their Tide card within three months of opening the account. Tide aims to pay the bonus within about eight weeks of the conditions being met. Tide also runs time-limited £200 promotions linked to the Instant Saver, where the reward depends on moving and holding a set balance for a set period.
The exact amount and conditions attached to REFER200 are shown on the Tide partner page when you open the link. Read that page before you apply so you know which version of the offer you are claiming and what you need to do to receive the full amount.
The offer suits businesses that will genuinely use Tide as an everyday account. If you already plan to put supplier payments, software subscriptions, fuel or stock purchases on a business card, the £500 card spend usually happens naturally within the first few weeks.
How to claim the offer
- 1Open the Tide link on this page on your phone. It takes you to Tide's REFER200 partner page, where you can check the current reward and conditions.
- 2Download the Tide app from the App Store or Google Play and start a new business account application.
- 3Choose your business type: sole trader, or limited company. If your company is not registered yet, you can register it with Companies House during the application.
- 4When the app asks for a referral or promo code, enter REFER200. Tide's terms allow a short window to add a code after sign-up through in-app chat, but entering it during the application is the safest route.
- 5Verify your identity in the app with photo ID and a short selfie video, and add your business details, such as trading address, what you sell and expected turnover.
- 6Once approved, order your Tide card, add money and start using the account. Complete the qualifying activity shown on the offer page, such as spending £500 on your Tide card within three months.
- 7Watch for the bonus payment in your Tide account. Tide usually pays referral rewards within eight weeks of the conditions being met.
Your referral benefit
The benefit is a cash bonus paid straight into your new Tide business account, up to £200 on this offer. It lands as money you can spend on anything your business needs, not as a voucher or account credit tied to a fee.
For a new sole trader or small limited company, that money covers real costs. It can pay for a year of accounting software, a batch of business cards and a domain name, or several months of a paid Tide plan. If you choose the Free plan, the bonus can offset transaction fees for a long time.
You also get the account itself, which is the bigger long-term benefit. Tide separates business and personal money, makes invoicing quick, and gives you exports your accountant can use. Many owners open Tide for the bonus and keep it because their day-to-day admin gets easier.
To receive the full reward, open the account with the code, keep it in good standing and finish the qualifying activity within the deadline. Missing the spend or deposit deadline is the most common reason a bonus is not paid.
Before you claim
- Your business must be UK-based and eligible for a Tide account, and you must be a new Tide member. Existing or former members usually cannot claim a new-member referral bonus.
- Enter REFER200 during the application. If you forget, contact Tide through in-app chat quickly, because codes can only be added within a short window.
- Note the qualifying deadline and track your card spend or Instant Saver balance in the app, so you hit the requirement in time.
- Choose the plan that fits your transaction volume. The Free plan has no monthly fee but charges per transfer, so busy accounts may pay less overall on a paid plan.
- Keep the account open and in good standing until the bonus is paid. Tide can withhold rewards if an account is closed or restricted first.
- Remember that Tide accounts are e-money accounts provided through ClearBank. Eligible deposits are protected by the FSCS up to £120,000.
Tide referral questions
Where do I enter the Tide referral code REFER200?
Enter REFER200 in the referral or promo code field during your application in the Tide app. Opening the partner link on this page first helps Tide connect your application to the offer. If you finish sign-up without adding the code, contact Tide's in-app chat straight away and ask them to apply it, because Tide only allows codes to be added for a short time after opening.
How do I qualify for the Tide bonus?
You must be a new Tide member, open an eligible business account with the code, pass Tide's identity checks and then complete the qualifying activity. Under Tide's standard referral rules, that means spending at least £500 on your Tide card within three months. Deposit-linked promotions instead ask you to move a set amount into the Instant Saver and keep it there for a set number of days. The partner page shows which conditions apply to this code.
When will Tide pay the referral bonus?
Tide aims to pay referral bonuses within about eight weeks of the qualifying conditions being met. The money appears in your Tide business account. If it has not arrived after that time, contact Tide in the app with your sign-up date and the code you used.
Can sole traders and new companies claim the Tide offer?
Yes. Tide accepts sole traders and limited companies, and it can register a new limited company with Companies House during the application. Approval depends on Tide's checks, including identity verification and information about your business activity. Some business types and industries are not accepted.
Is my money safe with Tide?
Tide is authorised by the Financial Conduct Authority. Its current and savings accounts are provided by ClearBank, a UK-regulated bank, so eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000. That protection comes from ClearBank's banking licence, which sits behind the Tide account.
Sources and verification
Reviewed 1 October 2026. The status above explains how much of the recorded claim was confirmed; always check the live brand page for the latest eligibility rules, deadlines and reward details.
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