Tide business savings: Instant Saver rates by plan
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
Quick answer
Tide’s Instant Saver paid new members an introductory 3.25% AER variable on balances up to £10 million for the first four months of membership, as of 19 October 2026. That rises to 4.25% AER variable on balances up to £1 million if you start a full Current Account Switch Service switch of at least £10,000 into Tide within 7 days of membership approval and complete it within 14 days.
After four months the rate depends on your plan — from 1.50% AER on the Free plan (up to £75,000) to 3.25% AER on Max (up to £1 million).
Who it’s for
- Tide customers with spare business cash they want to keep instantly accessible
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You’re on the Free plan with a large balance — anything over £75,000 earns 0% after the introductory period
Rates after the introductory period
| Plan | Rate after four months | Balance it applies to |
|---|---|---|
| Free | 1.50% AER / 1.49% gross | Up to £75,000 (0% above) |
| Smart | 2.50% AER / 2.48% gross | Up to £100,000 (0% above) |
| Pro (or Starter Boost) | 3.00% AER / 2.96% gross | Up to £150,000 (0% above) |
| Max | 3.25% AER / 3.21% gross | Up to £1,000,000 (0% above) |
Figures as of 19 October 2026, from Tide’s savings page. Rates are variable and linked to the Bank of England base rate (3.75% on that date).
The catch
The rate is tiered and drops after four months. Balances above your plan’s cap earn nothing, so check where your balance sits.
Check Tide’s current savings rates.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
How long is Tide’s introductory savings rate?
Four months from opening your Tide membership (Tide, 19 October 2026).
Is Tide savings FSCS protected?
Check Tide’s terms for the account holding your savings; Tide isn’t itself a bank.
Get our weekly email
The Friday Finance Lowdown — five minutes of the money stuff worth knowing.
Free to join. See our privacy policy for how we handle your email address.