Tide

Tide is a London‑based SME banking and payments platform that provides business current accounts, debit cards, expense management, payroll integrations, and seamless connections to leading accounting software. With a focus on helping small and medium enterprises move money quickly and manage spending, Tide serves startups, freelancers, and growing businesses across the UK and select European markets through a scalable, developer‑friendly platform.

Built on a modern, API‑first architecture, Tide delivers cloud‑native services that enable real‑time payments, multi‑rail capabilities, and automated reconciliation. The platform emphasizes onboarding speed, compliance, and governance, offering digital KYB/KYC checks, robust fraud controls, and risk monitoring. Open Banking readiness, AIS/PIS capabilities where available, and strong integration tooling empower developers and finance teams to connect Tide with their existing systems, automate cash flow, and streamline treasury operations across regions.

Tide differentiates itself through a relentless focus on SME customers, simplifying banking with clear pricing, predictable costs, and a tightly integrated ecosystem that combines current accounts, cards, spend controls, and accounting software. The approach reduces reliance on multiple vendors, accelerates time‑to‑value, and delivers a cohesive experience for managing day‑to‑day finances, supplier payments, and payroll. As the SME landscape evolves, Tide continues to expand its regional footprint, deepen embedded finance offerings, and enhance partnerships with banks, fintechs, and software providers to unlock faster, more efficient business banking.