United Kingdom · Payments & e-money
Tide Platform LTD
Tide Platform Ltd is a private limited company based in London. The FCA authorises it as an electronic money institution (FRN 900843) and for credit and insurance broking (FRN 718743). ClearBank Ltd provides most Tide current and savings accounts. Some members hold e-money accounts issued by PrePay Technologies Limited, for which Tide acts as registered e-money distributor (EMD agent). Tide Holdings Limited wholly owns the firm. It serves sole traders and small businesses in the UK with accounts, Mastercard cards, payments, invoicing, accounting, payroll and credit broking. It opened a German branch in March 2024. In October 2024 it acquired the business of Onfolk Limited.
Licences and registrations
Held by Tide Platform LTD (LEI 9845001B09B535C2C463). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900843 | United Kingdom | Active | 2018-05-01 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- TIPLGB22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of TIPLGB22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2023-02-05
- Last updated
- 2023-02-05
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Tide Holdings Limited
Firm type
E-money and accounts
Trades as Tide
- Standing
- The firm was incorporated as Starfish Platform Limited on 18 May 2015. It was renamed Tide Platform Ltd on 17 October 2016.
- Ownership
- Tide Holdings Limited (Companies House 10366510) owns 100% of the firm and is its ultimate controlling party, according to its 2024 accounts.
- Direct parent
- Tide Holdings Limited, United Kingdom 100%
- Head office
- 4th Floor, The Featherstone Building, 66 City Road, EC1Y 2AL London, United Kingdom
- Company register
- Companies House 09595646
- Incorporated
- 18 May 2015
- Founder
- George Bevis
- Former name
- STARFISH PLATFORM LIMITED
Online
- Websites & references
- tide.co ↗
status.tide.co ↗ service status page
web.tide.co ↗ web app login and sign-up
Wikipedia ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- App Store ↗ · app.appsflyer.com ↗
Sources · 16 pages consulted
- register.fca.org.uk/s/firm?id=001b00000410w6rAAA
- find-and-update.company-information.service.gov.uk/company/09595646
- find-and-update.company-information.service.gov.uk/company/09595646/officers
- find-and-update.company-information.service.gov.uk/company/09595646/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/09595646/filing-history
- find-and-update.company-information.service.gov.uk/company/09595646/filing-history/MzQ3NjE5NDQ2MmFkaXF6a2N4/document?format=pdf&download=0
- tide.co/support/joining/what-is-tide/
- tide.co/about/
- assets.ctfassets.net/3h69mkdgxn20/70we0SSumK628D6H947Dn7/007b59935f223f1289f2437ca0152315/251125_Tide_Platform
- tide.co/blog/tide-update/tide-secures-strategic-investment-from-leading-global-investor-tpg/
- tpg.com/news-and-insights/tide-secures-strategic-investment-from-leading-global-investor-tpg
- businesswire.com/news/home/20260526076712/en/Tide-Crosses-2-Million-Members-Worldwide---Big-Step-Forward-i
- businesswire.com/news/home/20250921620508/en/Tide-Secures-Strategic-Investment-from-Leading-Global-Investo
- uktech.news/fintech/tide-chief-risk-officer-20240131
- fca.org.uk/news/warnings/tide-finance-tidefinancecouk
- en.wikipedia.org/wiki/Tide_(financial_service)
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- ClearBank Ltd, United Kingdom Tide current and savings accounts are powered by ClearBank Ltd (FRN 754568)
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011 (FRN 900843). This covers issuing e-money and providing payment initiation and account information services. The FCA also authorises it for credit and insurance broking (FRN 718743). ClearBank Ltd provides most Tide current and savings accounts. For legacy GBP e-money accounts the firm acts as EMD agent of PrePay Technologies Limited (FRN 900010).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900843 | In its own name | Active | register.fca.org.uk ↗ |
| Financial Conduct Authority United Kingdom | Authorisation for credit and insurance broking | 718743 | In its own name | Active | tide.co ↗ |
| Financial Conduct Authority United Kingdom | EMD agent of PrePay Technologies Limited (FRN 900010) | — | As agent | Active | assets.ctfassets.net ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Deposits at a partner bankThe firm states that most UK members' money sits in ClearBank accounts, where the FSCS protects eligible deposits up to GBP 120,000. PrePay Technologies holds an equivalent amount for legacy e-money accounts in a safeguarding account.
- Deposit-holding bank · Sponsor bank
- ClearBank Ltd United Kingdom
- Card issuer · Safeguarding bank
- PrePay Technologies Limited United Kingdom
- Deposit-holding bank · Acquirer / processor
- Adyen Netherlands
- Payment schemes and card networks
- Faster Payments Through a partner assets.ctfassets.net ↗
Bacs Through a partner assets.ctfassets.net ↗
CHAPS Through a partner assets.ctfassets.net ↗
Mastercard Access not stated tide.co ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm runs the Tide app and website for sole traders and limited companies. Its services include business accounts, Mastercard cards, invoicing, accounting, payroll, company registration, card acceptance and brokered business credit.
The firm serves UK small businesses and operates a German branch opened in March 2024. The Tide group's Indian business is run by separate group companies.
- Revenue
- GBP 177.2m
- Sells to
- Small businesses
- Serves customers in 2 countries
- United Kingdom · Germany
- Latest funding round
- Strategic investment (primary and secondary) · USD 120m Sep 2025Led by TPG (The Rise Funds)
- Total raised
- USD 300m to Sep 2026 · tide.co ↗
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Dr Oliver Rainer Andreas Prill CEO
- Chair
- Sir Donald Brydon Chairman of Tide Holdings (group level)
- Executive
- Gyorgy Pal (George) Schmidt UK/Europe CEO and director
- Executive
- Rebecca Louise Marriott Director; appointed Chief Risk Officer in January 2024
- Executive
- Vinay Ramani Director; Chief Product Officer
- Executive
- Shaun Stephen McCabe Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Tide announced it had passed 2 million members worldwide, including 900,000 in the UK.
businesswire.com ↗ -
Leadership
The firm appointed Martyna Ewa Budzynska as a director after Eliza Haskell stepped down as a director on 1 February 2026.
find-and-update.company-information.service.gov.uk ↗ -
Funding
TPG, through The Rise Funds, led a primary and secondary investment of over USD 120 million in Tide, valuing it at USD 1.5 billion.
tide.co ↗ -
Merger / acquisition
The firm acquired the technology, employees and existing customers of Onfolk Limited to add payroll and HR features.
find-and-update.company-information.service.gov.uk ↗ -
Other
Tide launched in Germany, where the firm had opened a branch in March 2024.
businesswire.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- TIPLGB22XXX
- How the BIC breaks down
- TIPLBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9845001B09B535C2C463
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900843
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- b7e0724d2602
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.tide.co ↗
- Country · region
- United Kingdom · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 1 APPOLD STREET LONDON LONDON EC2A 2UT UNITED KINGDOM
- Operational address
- 1 APPOLD STREET LONDON LONDON LONDON EC2A 2UT UNITED KINGDOM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>TIPLGB22XXX</BICFI>
<LEI>9845001B09B535C2C463</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>TIPLGB22XXX</BICFI>
<LEI>9845001B09B535C2C463</LEI>
<Nm>TIDE PLATFORM LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>1 APPOLD STREET LONDON LONDON EC2A 2UT</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: tide.co (official website) · original.
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