Tide and Capital on Tap offers, codes and full disclosure

The short answer: two offers are covered on this site. Tide's referral code REFER200 pays up to £200 in cash to eligible new business account customers who complete £100 of card spending in 30 days and deposit £5,000 into an Instant Saver. Capital on Tap's promo code SETTINGUP gives 7,500 points (around £75) after your first card transaction within 30 days, subject to credit approval. Both records below give the eligibility, deadlines, exclusions and risks in full.

Affiliate and partner disclosure: this site earns money from a small number of authorised partner campaigns, currently Tide and Capital on Tap. Partner links are tracked. We do not accept payment for a positive verdict, and we publish who should not use a product as prominently as who should.

We write the policy first and the product second. A card or account does not fix an undefined spending rule, and we would rather you left with a written policy than an application.

Tide

Status: active

Tide is a business account provider rather than a bank. For a small team its useful surface is access control and spending admin: you can give an accountant or bookkeeper a defined level of access instead of your password, issue debit-based Expense Cards that can only spend money the business already has, capture receipts against transactions, and organise spending for reconciliation. It is a fit when your policy work is done and you need the plumbing. It is not a fit if what you actually need is credit, or if your current account already supports the roles and cards you need.

Business bank account

Tide

Up to £200Cash reward when each qualifying condition is met

Tide code

What you get

• Free business current account with no monthly account fee.
• Up to £200 cash: £75 when you complete £100 of qualifying card transactions in 30 days, plus £125 when you deposit at least £5,000 into a Tide Instant Saver within 7 days and hold it for 30 days.
• No hard credit check required to open the account. Eligibility, identity and verification checks still apply.
• Open an account in around five minutes, subject to Tide's checks.
• Role-based Team Access so a bookkeeper or accountant gets defined access instead of your password.
• Debit Expense Cards for employees, with per-card limits.
• Receipt capture and expense categorisation against transactions.
• Integrates with Xero, QuickBooks and FreeAgent.
• Tide Instant Saver savings pot.
• Instant payment notifications.

How to claim

Open your Tide account through the tracked link below.
Enter code REFER200 during sign-up.
Complete £100 of qualifying card transactions within 30 days to earn £75.
Deposit at least £5,000 into a Tide Instant Saver within 7 days and hold it for 30 days to earn the further £125.

Open Tide and claim the offer

T&Cs apply. £75 free when you complete transactions of £100 within 30 days, and a further £125 free when you deposit at least £5,000 into a Tide Instant Saver within 7 days. Referral link.

Rated 4.3/5 on Trustpilot from over 20,000 reviews at the time of our last check.

This page describes a Tide referral campaign. If you open an account through a tracked link on this site we may receive a referral payment, and you may receive a reward if you meet the campaign conditions. This does not change what we recommend or what we tell you about the product.

Read the full Tide review, terms and eligibility

More Tide pages

Start with the full review above, then use these focused guides when they match the decision you are making.

Who it suits

• New Tide customers only, subject to Tide's own onboarding and identity checks.
• Available to sole traders and limited companies, subject to Tide's current account criteria.
• Account opening is subject to status and approval by Tide.

Risks and limitations

• Tide Platform Limited is not itself a bank. The Tide Business Current Account is powered by ClearBank, and Tide states that eligible deposits are FSCS protected up to £120,000. Other Tide services may use different protection arrangements; check the account documents shown during application.
• Rewards are not guaranteed. They depend on meeting every campaign condition within the stated deadlines.

Exclusions

• Existing Tide customers are not eligible.
• Exact excluded products, plans and business types must be taken from the current approved campaign terms.

Terms last verified: 26 August 2026. Always confirm the current terms on the provider's own site before applying.

Capital on Tap

Status: active

Capital on Tap issues a business credit card to eligible UK incorporated businesses. For a small team the useful part is control: additional cards for employees at no extra card fee, an individual limit per card, virtual cards for a project or a contractor, the ability to freeze a card, receipt capture and accounting sync. The uncomfortable part is that it is credit. A personal guarantee is currently required, approval and limit are subject to assessment, and interest can cost far more than any cashback earns. Sole traders are not currently eligible at all. Decide the policy and the limits first; only then decide whether credit is the right instrument.

Business credit card

Capital on Tap

7,500 pointsAfter your first qualifying card transaction

Capital on Tap code

What you get

• 7,500 bonus reward points after the campaign’s qualifying first card transaction.
• 1% uncapped cashback on card spending.
• Credit limits from £1,000 up to £250,000, subject to assessment.
• No joining fee and no annual card fee.
• Free additional employee cards with an individual limit per card.
• Virtual cards for a project, a subscription or a contractor.
• Freeze and unfreeze any card instantly.
• Syncs with Xero, QuickBooks and Sage, with receipt capture.
• Instant spend notifications on every transaction.
• Accepted wherever Visa is accepted, with UK-based support.

How to claim

Applying involves a soft search of your personal credit file, which Capital on Tap says will not affect your personal credit score. A visible business-file search happens only if you accept and sign the credit agreement.
Apply through the tracked link below.
Enter code SETTINGUP in the promo field during your application.
Complete the first qualifying card transaction within the campaign window shown in the current approved terms.

Apply with SETTINGUP

This is a business credit card. Borrowing creates debt that must be repaid, a personal guarantee is currently required, sole traders are not currently eligible, and interest can cost more than any cashback earns.

T&Cs apply. 7,500 points after a campaign-qualifying first card transaction. Subject to eligibility, status and approval. A personal guarantee is currently required. Referral link.

Rated 4.7/5 on Trustpilot from over 10,000 reviews at the time of our last check.

This page describes a Capital on Tap campaign. If you apply through a tracked link on this site we may receive a payment. This does not change the eligibility rules, the risks or the alternatives we set out.

Read the full Capital on Tap review, terms and eligibility

More Capital on Tap pages

Start with the full review above, then use these focused guides when they match the decision you are making.

Who it suits

• UK private limited company, LLP or PLC, active on Companies House.
• Applicant is an active director, or a shareholder holding at least 25% of the business.
• Applicant resides in the UK.
• No unsatisfied County Court Judgments against the applicant or the business in the previous 12 months.
• The business is not in an excluded high-risk industry.
• Capital on Tap’s published eligibility information states annual turnover of at least £24,000; confirm this campaign’s current eligibility terms before applying.
• A business bank account is required.
• Sole traders are not currently eligible.
• Approval, credit limit and rate remain subject to assessment.
• A personal guarantee is currently required according to official materials.

Risks and limitations

• This is a business credit card. Borrowing creates debt that must be repaid.
• A personal guarantee is currently required, which means you can be personally responsible for the balance if the business cannot pay.
• Approval, credit limit and interest rate are subject to status and to Capital on Tap's assessment. Nothing here implies you will be approved or offered a particular limit.
• Interest charges can easily exceed cashback if a balance is not cleared. Rewards are not a reason to borrow.
• If money is already tight — arrears, unaffordable payroll, missed payments or insolvency risk — do not treat a credit card as the answer. Free debt advice is available from Business Debtline.

Exclusions

• Sole traders and unincorporated partnerships under the current criteria.
• Excluded high-risk industries as listed in Capital on Tap's current criteria.
• Campaign-specific exclusions, the qualifying-transaction definition and the clock start are governed by the current campaign terms.

Terms last verified: 26 August 2026. Always confirm the current terms on the provider's own site before applying.