Tide referral code: £100 credit for you and your referrer
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
4.0 / 5
My rating for this deal
This rates the Tide referral itself: what you get, what you have to do to get it, and how long it takes to arrive. It isn’t a rating of Tide as a company.
Why this rating
A large reward for a business account, and the qualifying spend is realistic for anyone actually trading. The wait is the problem. Two months after you clear the threshold is a long time to hold a claim open, and the threshold itself rules out opening an account just to park it.
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.
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 FCA-authorised (opens in new tab) and holds customer money as electronic money through a regulated partner rather than as deposits. The free plan comes with a Tide Mastercard. The built-in tools run to expense categorisation and receipt scanning as well as invoicing, and the accounting integrations are Xero, QuickBooks, FreeAgent and Sage.
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, rising to £125, £150 or £200 on Tide's paid plans, paid within 8 weeks of you qualifying.
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, rising to £125, £150 or £200 on Tide's paid plans, paid within 8 weeks of you qualifying.
The code goes in during sign-up, or within 7 days of opening the account.
- Download the Tide app
- Enter referral code JOPOQW
- Verify your identity by scanning your ID
- Spend £500 on your Tide card
The referrer's side scales with their plan: £100 on the free plan, £125 on Smart, £150 on Pro and £200 on Max. Unlike the earlier £50 offer, the current 2026 scheme pays neither side until that £500 of card spend has gone through.
Is there a Tide £200 code?
Sites advertising £200 with code REFER200 are describing a Tide partner promotion, not the referral scheme: a small cashback for card spend plus a larger one that requires funding a Tide savings account with £5,000. The referral code's £100 needs only the £500 of card spend, and the £200 inside the referral scheme is the referrer's Max-plan rate, not yours.
Is there a Tide £200 code?
Sites advertising £200 with code REFER200 are describing a Tide partner promotion, not the referral scheme: a small cashback for card spend plus a larger one that requires funding a Tide savings account with £5,000. The referral code's £100 needs only the £500 of card spend, and the £200 inside the referral scheme is the referrer's Max-plan rate, not yours.
Most pages that rank for a Tide code advertise £200 with code REFER200. That is a different scheme. Alongside refer-a-friend, Tide runs time-boxed promotions through partner sites, and the February 2025 version on Tide's own terms pages (opens in new tab) shows the shape: £75 cashback for spending £100 on the card within 30 days, another £100 for funding a Tide Instant Saver with £5,000 and holding it for roughly two months, new members only, a one-month sign-up window. The sites advertising REFER200 describe the same structure with the saver component at £125.
If your business can park £5,000 in a Tide saver, that route pays more. If it cannot, the larger component never validates, and the referral code's £100 asks only for the £500 of ordinary card spend. We publish the referral code because Tide publishes evergreen terms for it, and it is the scheme this site has tested.
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.
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.
The speed is most of the case for it: a new business or a sole trader needs personal details and ID and nothing else. Freelancers get the invoicing, so that is one fewer app to pay for, and small limited companies get the integrations that keep the bookkeeping off a spreadsheet.
Not ideal for: larger businesses needing multi-user access, complex payments, or high transaction volumes.
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.
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.
- vs Starling Business: the feature sets and the free tier are close enough that the safeguarding difference is the one worth weighing
- vs Monzo Business: newer, with fewer business-specific features than Tide
- vs Revolut Business: multi-currency makes Revolut the better fit for a business invoicing abroad
- vs NatWest/HSBC: what Tide's speed and lower fees cost you is 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 | £10, £20 or £50 (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 referrals at the random reward, then £5 each |
| 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 2026-09-07.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 2026-09-07.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 2026-09-07. 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?
Tide doesn't run discount or voucher codes on its plans, but two kinds of sign-up code exist. The refer-a-friend code pays £100 in account credit after you open an account with it and spend £500 on the card within 90 days. Alongside it, Tide runs occasional time-boxed partner promotions with larger headline numbers (coupon sites currently advertise £200 under code REFER200) that gate most of the cashback on funding a Tide savings account with £5,000. Last verified: 7 September 2026. Compare how this works across every brand I cover in my 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 team cards and the Xero connector are available on paid plans starting from £12.49/month (Smart), with Pro at £27.49 and Max at £69.99.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?
Full disclosure: the referrer (the existing Tide customer who shared this link) receives business account credit scaled to their plan: £100 on the free plan (the same as you), £125 on Smart, £150 on Pro, £200 on Max. 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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