Managing business expenses shouldn’t be a headache—especially when your company starts growing and you need to delegate financial tasks across a team. That’s exactly where the Tide Prepaid Business Card comes into play.
Designed with modern businesses in mind, this card helps you control spending while empowering your team to make purchases without delays.
Essential details of the Tide Prepaid Business Card
The Tide Prepaid Business Card, also known as the Tide Expense Card, is a Mastercard linked directly to your Tide Business Account.
It allows you to issue up to 50 cards for your team, each with its own spending limit, permissions, and visibility. With a cost of just £5 + VAT per card, it’s an affordable solution to streamline how your business handles everyday expenses.
From fuel and client lunches to travel costs and office supplies, every transaction made with the Tide card is tracked and categorized automatically within the app.
Instead of handling paper receipts or long approval chains, Tide offers a digital-first approach where team members can upload receipts, attach notes to transactions, and keep everything visible in real-time.
You also gain access to card management tools within the Tide app, allowing you to freeze or cancel a card instantly if it’s lost or stolen, and order replacements without hassle. Plus, integration with accounting software makes end-of-month reporting much simpler.
Qualification requirements
To be eligible for a Tide Prepaid Business Card, you’ll first need to open a Tide Business Account. This process is open to various types of UK businesses including sole traders, freelancers, and limited companies.
You must be at least 18 years old, a UK resident, and operate a UK-registered business. Once your business account is approved, you can request Expense Cards directly through the Tide app.
There are no additional credit checks for each card, since they’re prepaid and linked to your business account balance. This also means that your team can only spend what’s already in the account, eliminating the risk of debt or overdrafts.
Tide’s simple digital onboarding process makes it easy for eligible businesses to get started quickly, even without prior banking experience. All you need is your business details and a few identification documents to register.
Benefits and advantages
Individual spending controls
Set custom monthly or per-transaction limits for each cardholder, making it easy to control how much employees can spend.
Team empowerment
With up to 50 cards per account, your team can handle their own purchases without having to rely on your availability for approvals.
Smart expense tracking
Every transaction is categorized by person and spend category automatically, helping you keep tabs on where your money goes.
Real-time receipt uploads
Employees can scan and upload receipts directly in the Tide app, and even add notes to provide context for each expense.
Enhanced security
Easily freeze or cancel cards through the app. Lost a card? Order a replacement instantly without calling customer support.
No more paper
Forget about manual expense claims. Everything is digital, organized, and synced with your accounting software.
Affordable and scalable
At £5 + VAT per card, it’s a low-cost solution that can scale as your team grows—without the complexities of corporate credit cards.
Seamless software integration
Tide Expense Cards integrate with major accounting platforms, reducing manual entry and human errors.
Transparency and oversight
Business owners and finance teams can see who’s spending what in real time—no more month-end surprises.
All-in-one expense solution
Because everything runs through the Tide app, you can manage cards, transactions, receipts, and integrations in one place.
How to apply
Getting started with the Tide Prepaid Business Card is straightforward. First, you’ll need to open a Tide Business Account.
This can be done entirely online through the Tide website or mobile app, with most applications approved quickly following identity and business verification. Once your account is active, you can log in to the app and order Expense Cards under the “Cards” section.
There, you’ll have the option to issue cards to up to 50 different employees. Simply enter their names and delivery details, assign a spending limit if desired, and submit the order. Once the cards arrive, your team members can activate them and begin using them right away for eligible business expenses.
If you choose to give your team access to the Tide app, they’ll be able to upload receipts, add notes to transactions, and view their expense history—streamlining the entire process without handing over full access to your business banking.
Plus, you can change or revoke cardholder permissions instantly via the app, giving you full control at all times. Because these cards are prepaid and linked to your Tide Business Account, there’s no need for individual credit checks, lengthy application processes, or financial commitments. It’s a solution designed for simplicity, speed, and security.
Final thoughts
In a world where time is money, the Tide Prepaid Business Card helps you save both. It eliminates the friction of manual expense tracking, empowers your team to work efficiently, and ensures that your business spending is always under control.
With transparent pricing, scalable card management, and full app integration, Tide offers one of the most comprehensive expense card solutions for UK-based businesses of all sizes.
Whether you’re a fast-moving startup or an established company looking to streamline admin processes, the Tide Expense Card fits right into your workflow—no paperwork, no delays, just smarter business banking.
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