Tide refer a friend, or £200?
A friend's Tide code usually pays £75–£100. NEW200 pays up to £200 and needs no invitation from an existing member.
Tide referral code
Enter NEW200 when Tide asks for a referral or promo code during sign-up — or just use our link and it is applied for you.
T&Cs apply. New Tide business accounts only. We may earn a reward.
Compared
Friend referral vs NEW200
| Refer a friend | NEW200 | |
|---|---|---|
| Typical reward to you | £75–£100 cashback | Up to £200 cashback |
| Code used | Your friend's personal code | NEW200 |
| Who can use it | Anyone invited by an existing member | Any new UK business account |
| Plan required | Free plan is fine | Free plan is fine |
| First reward | Card spend condition | £75 for spending £100 on the card in 30 days |
| Second reward | Usually none | £125 for £5,000 in Instant Saver for one month |
| Saver rate boost | No | Top Instant Saver rate free for 4 months |
Why
Why NEW200 pays more
It is a two-part reward, not one payment
The friend scheme usually pays a single lump sum for opening and using the card. NEW200 splits into £75 for card spending and £125 for a savings deposit, which is why the total is higher.
The second leg is money you already have
The £125 needs £5,000 sitting in Tide Instant Saver for a month. It is your own money, it stays yours, it earns interest and you can withdraw it afterwards.
You do not need to know an existing member
Friend referrals require somebody to send you their personal code. NEW200 is open to any eligible new business account.
The saver rate boost is worth real money
New members get the top Instant Saver rate free for four months, which on a £5,000 balance is worth more than the interest you would earn on the base rate.
The £200
How the reward splits
Spending bonus
Spend £100 on your card
Savings bonus
Deposit £5,000 into Instant Saver
Steps
How to claim the bigger offer
- 1Open the Tide sign-up with referral code NEW200, or use the link on this page so the code is applied for you.
- 2Complete the application with your ID and, if you are a limited company, your Companies House details.
- 3Spend £100 on your Tide Mastercard within 30 days of opening the account — normal business spending counts.
- 4Deposit at least £5,000 into Tide Instant Saver within 7 days and leave it there for one month.
- 5Both rewards land in your Tide account once each condition is met and Tide has verified it.
How the friend scheme works
The standard refer a friend route
Your friend shares a personal link
Existing Tide members get a unique invite link and code from inside the app. Anyone who opens an account through it is tracked back to them.
Both sides get paid
The classic structure pays the existing member and the new member a fixed amount each, usually in the £75 to £100 range depending on the promotion running at the time.
It is tied to activity, not just opening
Almost every version requires the new account to be used — typically card spend or a deposit — before either side is paid.
The amount moves
Tide adjusts the friend-referral figure through the year. The public NEW200 offer has consistently been the larger of the two.
Pitfalls
Why people end up with nothing
Opening the account first, adding the code later
Referral rewards attach at sign-up. Once the account exists, the code cannot usually be applied retrospectively.
Using a comparison site link by accident
Clicking through an unrelated tracking link can overwrite the referral attribution before you finish the form.
Missing the spending window
The card spend requirement has a deadline measured from account opening, not from when the card arrives. Order and activate the card promptly.
Missing the savings step
The larger half of the reward depends on a deposit into the Instant Saver and keeping it there for the qualifying period. Withdraw early and that part is forfeited.
Already having had a Tide account
Rewards are for new members. A previously closed account normally disqualifies you.
Decision
Which should you use?
Use NEW200 in almost every case
It is the larger published offer and it is open to anyone — you do not need to know an existing member.
Use a friend's code if they need the referrer half
If the point is to reward someone you know, their personal link pays them. Just be clear that your own side of it is likely to be smaller.
You cannot combine them
One referral attribution per account. Choosing one means forgoing the other, so pick before you start the form.
Check before you apply
Both offers can change. Open the referral link and read the terms on Tide's own site immediately before you sign up.
Questions
Tide refer a friend FAQ
How does Tide refer a friend work?
An existing Tide member shares their personal referral code or link. When you open an account with it and meet the spending condition, both of you receive cashback — usually in the £75 to £100 range for the new member.
Is NEW200 better than a friend's referral code?
On the published terms, yes. NEW200 is worth up to £200 in two parts plus four months of the top Instant Saver rate, where a standard friend referral typically pays £75 to £100 once.
Can I use NEW200 and a friend's code together?
No. Only one referral or promotional code can be attached to an application, so use the one worth more.
Does my friend still get paid if I use NEW200?
No — a friend only earns their side when you use their personal code. If your friend's reward matters to you, weigh it against the extra cashback you would be giving up.
Can I refer friends myself once I have an account?
Yes. Once your Tide account is open you get your own referral code in the app and can share it. The reward for doing that is set by Tide and changes over time.
Can I add a referral code after opening the account?
No. The code has to be attached at the point of application — Tide support cannot apply it retrospectively, and that is the single most common reason people miss out.
Take the £200 version
Enter NEW200 when Tide asks for a referral code, or open through the link and it is already applied.
Claim your £200 nowMore: how the referral works and what Tide costs.