Tide referral code
Get £100 when you open a Tide business account using refer-a-friend code JOPOQW and spend £500 on your Tide card within 90 days.
Tide's refer-a-friend scheme pays the new customer £100, and the referrer £100 (more on paid Tide plans), once the new business account is approved and the new customer spends £500 on their Tide card within 90 days. I opened a Tide account in 2022 using a referral code. The £50 I earned back then landed about four months later, once I'd hit the spending threshold.
Last tested on by Seb Place.
Part 1
The offer
Tide
The simple but powerful UK business bank account. Loved by thousands of UK businesses.
Or copy the referral link below:
Reward
Get £100 when you open a Tide account and spend £500 in 90 days
How it works
- Sign up using the code JOPOQW
- Scan your ID in the Tide app
- Spend £500 on your Tide card within 90 days
- Get your £100 referral reward
Part 2
Is it for you?
Tide referral summary
- Reward
- £100 account credit
- Reward type
- Business account credit
- Requirement
- Spend £500 on the Tide card within 90 days
- Time to receive
- Within 8 weeks of spending £500
Tide referral pros and cons
Pros
- £100 referral reward for both you and the person who refers you
- Account opens in minutes, much faster than high-street banks
- Free plan available with no monthly fee for basic banking
- Built-in invoicing, expense tracking, and accounting integrations
- Over 500,000 UK businesses trust Tide
- Supports sole traders, limited companies, and partnerships
Cons
- The £100 referral reward requires spending £500 on your Tide card within 90 days
- Business account only, not suitable for personal banking
- Some features like multi-user access require a paid plan
- Cash deposits are not straightforward (requires PayPoint)
- Not FSCS-protected (funds held via e-money regulations instead)
What is Tide?
Tide is a UK digital business bank account for small businesses, freelancers, and sole traders. Opens in minutes, not weeks. Free plan includes bank transfers, direct debits, built-in invoicing, and accounting integrations. Over 500,000 UK businesses use Tide.
Tide is a UK digital business bank account designed for small businesses, freelancers, and sole traders. Over 500,000 UK businesses (opens in new tab) use Tide.
- Account opening: Minutes via the app (vs weeks with high-street banks)
- Free banking: Includes bank transfers, direct debits, and a Tide Mastercard
- Built-in tools: Invoicing, expense categorisation, and receipt scanning
- Integrations: Xero, QuickBooks, FreeAgent, and Sage
- Regulation: FCA-authorised (opens in new tab); funds held as electronic money through a regulated partner
How does the Tide referral scheme work?
Use referral code JOPOQW when opening a Tide business account, then spend £500 on your Tide card within 90 days to unlock £100. Same-day approval in most cases. The referrer also gets £100 (more on paid Tide plans), paid within 8 weeks of you qualifying.
Open a Tide business account using referral code JOPOQW and receive £100:
- Download the Tide app
- Enter referral code JOPOQW during sign-up (or within 7 days)
- Verify your identity by scanning your ID
- Wait for approval (typically same-day)
- Spend £500 on your Tide card within 90 days
- £100 is paid to your Tide account within 8 weeks of qualifying
The referrer also receives £100 (up to £200 on paid Tide plans). Unlike the earlier £50 offer, the current 2026 scheme requires spending £500 on your Tide card within 90 days to unlock the reward.
Who is Tide best for?
Tide is best for sole traders, freelancers, and small limited companies who need a business account fast. Built-in invoicing and Xero/QuickBooks integrations are particularly useful. Larger businesses may need paid plans or a traditional bank.
Tide is ideal for:
- New businesses: need an account fast? Tide opens in minutes, not weeks
- Sole traders: simple account setup with just personal details and ID
- Freelancers: built-in invoicing means fewer apps and less admin
- Small limited companies: accounting integrations save time on bookkeeping
Not ideal for: larger businesses needing multi-user access, complex payments, or high transaction volumes. Tide's paid plans or a traditional business bank may suit better.
How Tide compares to other business accounts
Tide vs Starling Business: Starling has FSCS protection, Tide uses e-money safeguarding. Revolut Business offers multi-currency; Tide does not. Tide opens accounts faster than NatWest or HSBC and has lower fees.
Tide competes in the digital business banking space:
- vs Starling Business: Similar features with a free account, but Starling has FSCS protection, a notable advantage over Tide's e-money safeguarding
- vs Monzo Business: Newer with fewer business-specific features than Tide
- vs Revolut Business: Revolut offers multi-currency accounts (Tide does not), better for international businesses
- vs NatWest/HSBC: Tide opens accounts dramatically faster with lower fees, but lacks branch access and lending products
Tide is well rated on Trustpilot (opens in new tab) in the digital business banking space.
Part 3
How it compares
Tide referral at a glance
| Your reward | £100 account credit |
| Friend's reward | £100 account credit |
| Reward type | Business account credit |
| Requirement | Spend £500 on the Tide card within 90 days |
| Time to receive | Within 8 weeks of spending £500 |
| Referral limit | Unlimited |
Tide key facts
Tide vs Monzo referral
| Feature | Tide | Monzo |
|---|---|---|
| Reward | £100 account credit | £20, £50, or £100 (random) |
| Reward type | Business account credit | Cash |
| Requirement | Spend £500 on the Tide card within 90 days | Make a card payment within 30 days |
| Time to receive | Within 8 weeks of spending £500 | Within days of first card payment |
| Referral limit | Unlimited | Up to 100 (then £5 per referral) |
| Trustpilot | 4.4/5 | 4.6/5 |
Part 4
Questions & related
Tide referral FAQ
What is the Tide referral link?
Referral Plug's verified Tide referral link is https://www.tide.co/refer-a-friend/?referralCode=JOPOQW (opens in new tab), last tested by Seb Place on 2026-06-03.How do I get £100 account credit from Tide?
Use Referral Plug's verified Tide referral link https://www.tide.co/refer-a-friend/?referralCode=JOPOQW (opens in new tab) when signing up. The link gives you £100 account credit; verified by Seb Place on 2026-06-03.Is Sebastian Place's Tide referral link verified?
Yes, Seb Place personally verified the Tide referral link https://www.tide.co/refer-a-friend/?referralCode=JOPOQW (opens in new tab) on 2026-06-03. Referral Plug's full testing methodology is at https://www.referralplug.co.uk/methodology (opens in new tab).Does Tide offer a discount code, voucher code, or promo code?
No, Tide doesn't run public discount, voucher, or promo codes. Its refer-a-friend code is the only sign-up reward: £100 in account credit for both you and the existing Tide member who refers you, paid after you open a Tide account with the code and spend £500 on the card within 90 days. Last verified: 3 June 2026. Compare how this works across every brand we cover in our UK voucher codes guide.What is the Tide referral reward?
You receive £100 credited to your Tide business account after opening it with the referral code JOPOQW and spending £500 on your Tide card within 90 days.How do I use a Tide referral code?
Download the Tide app, start the account opening process, and enter the code JOPOQW when prompted (or within 7 days of sign-up). After you verify your identity and spend £500 on your Tide card within 90 days, your £100 is paid within 8 weeks.Is Tide free to use?
Tide offers a free plan that includes basic banking features like bank transfers, direct debits, and the Tide Mastercard. Advanced features like multi-user access and automated bookkeeping rules are available on paid plans starting from £9.99/month.How quickly can I open a Tide account?
Most Tide accounts are opened within minutes. You need to provide your business details, verify your identity with a photo of your ID, and submit your application. Approval is typically same-day.Can sole traders use Tide?
Yes. Tide supports sole traders, limited companies, and partnerships. Sole traders can open an account using just their personal details and ID.Is my money safe with Tide?
Tide is FCA-authorised and holds your funds as safeguarded electronic money through a regulated partner. Note that this is not the same as FSCS protection: your funds are ringfenced but not covered by the £85,000 deposit guarantee.Does Tide integrate with accounting software?
Yes. Tide integrates with Xero, QuickBooks, FreeAgent, and Sage. Transactions sync automatically, saving time on manual bookkeeping.Can I deposit cash into a Tide account?
Cash deposits are possible via PayPoint locations across the UK, but there is a fee per deposit. If you regularly handle cash, a traditional bank account may be more convenient for deposits.Does Tide offer business loans?
Tide partners with lending providers to offer business credit and invoice financing directly through the app. Eligibility and terms vary based on your business profile and transaction history.Can I have multiple users on a Tide account?
Multi-user access is available on Tide's paid plans. The free plan is single-user only. Paid plans let you add team members with customisable permissions.What does the referrer get from a Tide referral?
Honest disclosure: the referrer (the existing Tide customer who shared this link) receives £100 in business account credit, the same as you on Tide's free plan, or up to £200 on higher Tide subscription tiers. Both rewards are paid once you spend £500 on your Tide card within 90 days. Tide funds both rewards, so the business banking fees and account terms you receive are unaffected by whether you sign up through a referral link or directly.
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