Tide · Banks
Tide Instant Saver review
Tide’s Instant Saver gives UK small businesses instant-access savings at up to 4% AER variable, with tiered rates, FSCS protection through ClearBank and no need to switch your main bank.
Who Tide is best for
UK sole traders and limited companies and tide business account holders.
Businesses wanting a fixed rate.
Tide’s Instant Saver gives UK small businesses instant-access savings at up to 4% AER variable, with tiered rates, FSCS protection through ClearBank and no need to switch your main bank.
Fees, features and eligibility
| Standard interest | Up to 4% AER variable, tiered by balance (Tide, 2026) |
|---|---|
| Fees | No account fee for the saver |
| Currencies | GBP |
| Access to funds | Instant access |
| Deposit protection | FSCS protection via ClearBank |
| Eligibility | UK businesses; Tide account or connected external business account |
Source: Tide published product information.
What stands out
Pros
- Up to 4% AER variable
- Instant access, no penalties
- Open from £1
Cons
- Tiered rates, so not every balance earns the top rate
- Best rates can be introductory
Tide: common questions
What does the Tide Instant Saver pay?
Up to 4% AER variable, with tiered rates depending on your balance.
Do I need a Tide business account?
You can open it with a Tide business account or by connecting an external business bank account.
Used Tide? Help other businesses choose.
Other cash management accounts to consider
Best standalone savings without switching your main bank
Best for locking surplus cash into notice or fixed accounts