Tide Tide Max
A plan byTide
Tide Business offers FSCS protection up to £120K, a 4.07% AER savings account, over 1M members and company registration included. The free tier is, however, restrictive: 20p per transfer, receiving only in GBP/EUR and a £500 ATM limit.
Tide Max
- Price
- €59
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0.5%
- Cashback currency
- GBP
- Required staking
- Nessuno
- ATM limit
- £500/giorno
- Net annual cost
- €702
- _nota_cashback_cap
- Tide Max: 0,5% cashback su acquisti carta eleggibili, SENZA cap ('Cashback has no cap'). Uncapped → cashback_cap_eur resta null. Fonte: tide.co/help-centre/earn-cashback-with-tide-max (2026-06).
- _nota_atm_fee
- Tide ATM withdrawal: fee FISSA £1/prelievo (GBP), non percentuale → atm_fee_pct resta null. Valore in GBP. Fonte: tide.co/support/joining/what-is-tide/how-much-does-tide-cost (2026-06).
What's included
- Unlimited transfer
- Premium support
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · GB, DE, IN |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| SEPA transfer | €1 |
| Interest on balance | 4% |
| ATM withdrawal | Free |
| Free ATM limit | £500/giorno |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | UK · 1+ countries |
| Regulator | FCA |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | EMI (UK) FCA (UK) |
Strengths
- FSCS £120K; savings 4,07% AER; 1M+ members; company registration included.
- No notable sovereignty advantage documented.
Weaknesses
- Free tier: 20p/transfer; no USD receiving; ATM £500 max.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FCA (UK)): reporting to authorities and freezes on order.
Verdict
A middling verdict despite some strengths: FSCS protection up to £120K, a 4.07% AER savings account, over 1M members and company registration included. Holding the rating back is the restrictive free tier — 20p per transfer, receiving only in GBP/EUR and a £500 ATM cap — plus below-average privacy (4/10).
Weak through this lens: custodial with full KYC, FCA oversight and low privacy (4/10). No self-custody or real confidentiality; FSCS protection and the savings yield are consumer arguments, irrelevant to anyone seeking crypto-native autonomy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Tide a real bank?
Tide operates under a EMI (UK) licence (GB). It is regulated by FCA. Fund protection: Safeguarding — nessuna garanzia depositi.
Can I send transfers to third-party IBANs with Tide?
Yes, Tide allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does Tide support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Tide support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Tide?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Issuer · Multi-currency · +6 Data verified on Jun 15, 2026
- moneynavigator.io SEPA fee · SWIFT fee Data verified on Jun 15, 2026
- refer200.co.uk Deposit guarantee Data verified on Jun 15, 2026
- tpg.com Investors Data verified on Jun 15, 2026
Show 4 more sources
- clay.com Issuer Data verified on Jun 14, 2026
- find-and-update.company-information.service.gov.uk Issuer · Trust & safety Data verified on Jun 14, 2026
- swgroup.com Company profile Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026