Fire up your business savings

Small and medium-sized (SME) business owners are the champions of the British economy and for most business owners, financial resilience is key.

In business, opportunities can arise unexpectedly. Whether it's a surge in sales, a successful funding round, or simply managing seasonal surpluses, having quick and easy access to your money is essential.
However, leaving it sitting around in a low-interest current account is hardly the best opportunity. That money could be working for your business, bringing in additional cash while you sleep.

That’s why Tide has developed the Tide Instant Access Saver.

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This product is designed to help small and medium-sized businesses make the most of their surplus cash without locking it up. It’s designed to help businesses make the most of their money while maintaining much-needed flexibility.

With the Tide Instant Access Saver, firms can put money aside, for example, to pay an upcoming tax bill, and earn a return.

Tide’s business savings

Founded in 2015, Tide aimed to reshape the small business banking space in the UK, providing essential banking services and a wide range of connected admin tools. Towards the end of last year, the company welcomed its one millionth customer, including over 650,000 UK customers, 11% of the small business market share in the UK.

A key part of the company’s offering is its Instant Access Saver. Designed and tailored specifically to small businesses, the product offers tiered interest rates, with higher rates available for companies with larger balances (exact rates and thresholds are detailed on the website, including a calculator to forecast return on investment). It rewards SME owners for saving with no upper limit. It also offers instant access to funds with no penalties on withdrawals. Interest is calculated daily and paid monthly.

The account is available to all Tide Business Current Account holders as well as business bank account holders at other institutions.

Account holders can select the plan that best suits their business, with better interest rates available the more they save.. New customers can earn Tide’s best interest rate of up to 4.22% AER free over the first 6 months of opening an account.. After 6 months, the rate adjusts to their chosen plan.

The Tide Instant Access Saver allows SMEs to put cash to work immediately. It enables small business owners to reinvest surplus funds and capitalise on the growth—enjoy instant access to your savings without it being tied up.

Multiple benefits

The Tide Instant Access Saver is available to any business that wants to open an account. There’s no need to have a Tide Business Current Account to take advantage of the rates on offer.

Accounts can be opened separately and funded via an existing business account. However, users may find the benefits offered by the Tide Business Current Account are too good to pass up.

There's no monthly fee for operating the account, and it offers integrated tools to help small businesses manage expenses, integrate accounting software and manage invoices.

Combined with one of the best savings products on the market, Tide’s SME-focused accounts help business owners make the most of their money and reduce the admin burden. Whether your business has recently raised funding, is scaling its operations or is managing surplus cash from seasonal income or an irregular cash flow, Tide’s Instant Access Saver could be the right tool for your business. Visit Tide’s website today to learn more.

Product Disclaimer: Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. Rates correct as of 08/05/2025

Company Info: Please note that Tide reserves its right to open a Tide Account for you only after you have passed our client verification and on-boarding checks as per the Tide Terms. Tide Platform Ltd, 4th Floor, The Featherstone Building, 66 City Road, London, EC1Y 2AL. Registered in England. Company registration number: 9595646.