Tide pricing in 2026
UK business current account with invoicing and expense tools for small businesses. Every plan from Tide's pricing page (checked 26 Oct 2026), what a team of 5, 10 or 25 would pay, the price in your currency and cheaper alternatives.
Starts at
$16.24a month
Smart for 10 people: $16.24 a month
- Free plan−33% yearly
Plans
Tide plans and prices
4 plans with a public price, in US dollars.
Free
$0Free plan
- Business current account
- Pay-per-transfer
Smart
Entry paid plan$16.24/ month
- Free transfers allowance
- Accounting tools
Pro
$35.74/ month
- Priority support
- Expense cards
Max
$90.99/ month
- Dedicated account manager
- Highest limits
£12.49/£27.49/£69.99 per month (no VAT) at ~1.30 USD/GBP; annual billing 12 months for the price of 8.
Prices from Tide's pricing page, checked 26 Oct 2026. Prices are per plan, not per user. Taxes, seat minimums and promotions vary.
Team cost
What Tide costs a team of 5, 10 or 25
Tide is priced per plan, so the cost doesn't grow with the team.
| Plan | 5 people | 10 people | 25 people |
|---|---|---|---|
| FreeFree plan | $0 | $0 | $0 |
| Smart$16.24/mo | $16.24/mo$194.88/yr a year | $16.24/mo$194.88/yr a year | $16.24/mo$194.88/yr a year |
| Pro$35.74/mo | $35.74/mo$428.88/yr a year | $35.74/mo$428.88/yr a year | $35.74/mo$428.88/yr a year |
| Max$90.99/mo | $90.99/mo$1,091.88/yr a year | $90.99/mo$1,091.88/yr a year | $90.99/mo$1,091.88/yr a year |
Free plans usually cap users or features — check Free's limits before planning on it for a team. Paying yearly: Tide lists up to 33% off annual billing, so Smart for 10 people would be about $130.57 a year instead of $194.88. Before tax, at list price.
Local prices
Tide in naira, shillings, cedis, rand, pounds and euros
Smart, the entry paid plan, converted from US dollars.
| Currency | A month | A year |
|---|---|---|
| NGNNigerian naira (NGN) | ₦21,669 | ₦260,028 |
| KESKenyan shilling (KES) | KSh2,109 | KSh25,310 |
| GHSGhanaian cedi (GHS) | GH₵188.74 | GH₵2,265 |
| ZARSouth African rand (ZAR) | R269.56 | R3,235 |
| GBPBritish pound (GBP) | £12.14 | £145.73 |
| EUREuro (EUR) | €14.49 | €173.86 |
Indicative only: converted at Surba's daily exchange rates from 26 Oct 2026 (₦1,334 = $1). Unless Tide bills you in your own currency, your bank's rate and card fees decide what you're charged.
Discounts
Ways to pay less for Tide
Up to 33% off yearly billing
Paying Tide yearly instead of monthly.
From Surba's catalog; the vendor decides eligibility.
Alternatives
Cheaper alternatives to Tide
Tools in Surba's catalog that cost a team of 10 less a month on their entry plan than Tide's Smart.
inFaktFrom $2.48/mo10 people: $2.48 a month
MoneybirdFrom $3.48/mo10 people: $3.48 a month
FlowAccountFrom $6.03/mo · free plan10 people: $6.03 a month
CountingupFrom $6.50/mo10 people: $6.50 a month
PandleFrom $6.50/mo · free plan10 people: $6.50 a month
InstamojoFrom $6.63/mo · free plan10 people: $6.63 a month
Compare
Tide compared
Plans and team costs side by side.
FAQ
Tide pricing questions
How much does Tide cost?
Tide's paid plans run from $16.24 to $90.99 a month according to Tide's pricing page (checked 26 Oct 2026) (Smart $16.24, Pro $35.74 and Max $90.99). Tide is priced per plan rather than per user. £12.49/£27.49/£69.99 per month (no VAT) at ~1.30 USD/GBP; annual billing 12 months for the price of 8. There is also a free plan (Free).
Does Tide have a free plan?
Yes. Tide's Free plan costs $0 and includes business current account and pay-per-transfer. Free plans usually limit users, history or features, so check what you'd outgrow.
How much does Tide cost for a team of 10?
Tide is priced per plan, so a team of 10 pays the same as a smaller one: $16.24 a month ($194.88 a year) on Smart. With up to 33% off for yearly billing, that would be about $130.57 a year.
How much is Tide in naira?
At an indicative rate of ₦1,334 per $1 (26 Oct 2026), Smart at $16.24 is about ₦21,669 a month. Your bank's exchange rate and card fees decide the final charge.
What are cheaper alternatives to Tide?
In Surba's catalog, inFakt ($2.48/mo), Moneybird ($3.48/mo) and FlowAccount ($6.03/mo) cost less for a team of 10 on their entry plans. Compare features before you switch: the cheapest plan isn't always the closest match.
Is Tide cheaper if you pay yearly?
Tide gives up to 33% off for paying yearly instead of monthly, according to Tide's pricing page (checked 26 Oct 2026). Surba reminds you before each renewal, so an annual plan doesn't renew unnoticed.
Finance
More Finance tools
Track Tide and every other subscription in one place.
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