Tide app is only available on Android 5.0. and above.

If you don’t receive an SMS verification code within a minute, you can try raising a request for a new code by clicking on Resend OTP. Otherwise, the phone number linked to your account may be incorrect. Contact our Member Support team for assistance at indiasupport@tide.co.

If you don’t receive the verification email on your registered email ID, you may have entered your email address incorrectly. Please try again or contact our Member Support Team at indiasupport@tide.co for assistance.

The applicant must satisfy the following conditions to become a Tide member :

1. Their age should be more than 18 years.
2. Their Aadhaar should be linked to a mobile number.
3. They must be an Indian citizen.
4. They must have a valid PAN card.
5. They must use an Android-based mobile phone.

Opening a Tide Business Account with us only takes a few minutes. No appointments or queueing is required.

If your phone doesn’t have a fingerprint scanner, you can also use a pattern or Password for authentication

You can access your Tide App on Android 5.0.and above. Unfortunately, the Tide App is not available on iOS and web yet.

The OTP can be retriggered using the ‘Resend OTP’ option upon expiration. However, a member must ensure that –
1. They’re in an area with good connectivity
2. The mobile number entered is correct and in working condition
3. The number/SIM is handy
4. There’s enough balance to receive an SMS.

Yes! You can access your account from a desktop at web.tide.co by using the QR code scanner found within your Tide app.

You’ll be notified of your application status via email. Additionally, you may contact our member support team at indiasupport@tide.co

Your Tide Expense Card will be delivered to your communication address within 5 (five) business days.

Members can have upto INR 200000 in their Tide Expense Card balance at any given point of time, with a monthly spend limit of INR 300000.

Currently, we are not charging  any monthly or annual fee.

We don’t levy any issuance charges.

A few of the benefits are – 

• Expense management with a Tide Business Account
• Direct loading of your account balance from bank accounts, credit or debit cards
• Prepaid limit up to INR 200000 at any time and cumulative spending limit of  INR 300000 per day or per month  as defined by the PPI Issuer (Transcorp).
• Active member support
• Real-time notifications
• Lock, unlock and block your card on-the-go
• Acceptance by all RuPay accepting merchants

The amount outstanding shall not exceed INR 2,00,000 at any point of time. However, Tide Expense Card can be used at any online or offline RuPay-accepting merchants.  The cumulative spend limit on your Tide Expense Card will be of INR 3,00,000 in a day or month, as per the spending limit defined by the PPI Issuer (Transcorp).

You can use UPI to add money to your Tide Expense Card.

Tide Expense Card is a useful tool to empower businesses with a prepaid- card that can help manage their expenses better.

You will receive your Tide Expense Card within 5-7 working days of successfully completing your VKYC process. The delivery date may vary depending on a member’s location. Once you receive the Tide Expense Card, you can activate it from the Tide app.

You will receive your Tide Expense Card at the communication address mentioned during the sign-up registration process.

You can make payments at all RuPay-accepting merchants offline and online with the Tide Expense Card.

Your balance will be loaded instantly, however there may be delays in some exceptional cases due to technical reasons. Please contact our Member Support Team if you face any issues.

Tide Expense Card can be used at any online or offline RuPay-accepting merchant. The cumulative spend limit on your Tide Expense Card will be of INR 3,00,000 in a day or month, as per the spending limit defined by the PPI Issuer (Transcorp).

Currently, we don’t offer any referral scheme.

Any active offers will be communicated to our members via email.

Currently, we don’t offer any add-on card.

We don’t levy any charges for opening a Tide Business Account.

Members don’t need to maintain any minimum balance in their Tide Expense Card .

No, Tide isn’t a bank but a business financial platform. In the UK, with over 1 in 13 small business owners choosing Tide, we are the leading provider of digital business banking services. We’re now ready to go global and empower entrepreneurs just like you. In India,  our current offering of the Tide Business Account and Tide Expense Card (in partnership with Transcorp i.e. licensed PPI Issuer) will help small business owners and freelancers manage business expenses better. We also look forward to providing you with a comprehensive set of highly usable administrative solutions in the future to help you save time and money.

Tide Business Account and Tide Expense Card track spending and business expenses, enable transactions at all RuPay-accepting merchants and together help businesses save time and money. We also look forward to also offering facilities such as invoice generation, credit services, and payroll management, in the future to help businesses manage their finances better.

To view your Tide business account balance, please

• log into the Tide App,
• click on the ‘Account’ button of your Tide Business Account at the bottom of your screen.
• Your balance will appear on top of the screen and the transaction history below it.

Currently, we don’t charge members for either setting up a Tide business account or using the Tide expense card for any payments or transactions.

Unfortunately, we do not currently support a change in registered mobile number . If you wish to change your mobile number, you must close your existing Tide account. You can do this by sending a request in the support section of Tide App or by emailing us at indiasupport@tide.co. Once done, you can open a new account with your new mobile number.

Opening a new account is easy. We’ll require you to complete your video verification / full KYC and follow the steps on screen.

Don’t worry. Any funds remaining in your Tide Expense Card will either be refunded back to source, or to a bank account you nominate (depending on the source from which they were loaded).

No, your existing Tide Expense Card will be blocked once you close your existing account. You will receive a new Tide Expense Card for use with your new account.

We’re there for you. You can reach out to our Member Support Team using the in app chat or by writing to us at indiasupport@tide.co.

You may click on the support button on the Tide App and chat with us or write to us at indiasupport@tide.co.

Our member support team is available from 10 AM to 7 PM from Monday to Sunday. Currently, we don’t have an in-bound call service, but you can always write to us at indiasupport@tide.co and our team will give you an outbound call. However, we do have a 24*7 hotline number available to report a lost or stolen Tide expense card.

Currently, we don’t have an in-bound call service, but you can always write to us on indiasupport@tide.co and our team will call you. However, we do have a 24*7 hotline number available to report a lost or stolen Tide Expense Card.

To update your details please reach out to our Member Support Team via In app chat or write us at indiasupport@tide.co

If you lose your phone, please contact our Member support Team at indiasupport@tide.co to block your Tide Expense Card and Tide  Business Account.

Yes, members are requested to schedule a call back at a time when they have documents available for verification.

You will require your PAN Card, AADHAAR number, and should also have access to the mobile number that is linked to AADHAAR

If the vKYC (video KYC) call gets disconnected during the session, you’re requested to join back by opening the Tide app.

vKYC  agents may be busy supporting other Tide members. You are requested to kindly wait or schedule a call back at a suitable time.

Visit your nearest Aadhaar enrollment sector to update your Aadhaar card details.

vKYC (video KYC) or video identification is an online face-to-face identity verification method. Here, a member is required to submit the identity documents digitally and answer a few questions asked by the agent over a video call.

The Tide Expense Card, powered by RuPay, can only be used for transactions within India. Thus, Tide Expense Card cannot be used for cross border transactions.

Yes this is a contactless card that allows you to make payments within seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below INR 5000. For transactions above INR 5000, you can still tap the card to make contactless payments, but authentication via PIN  is mandatory.

• Tide Expense Cards can be used on all online and offline RuPay-accepting platforms.
• By default, online transactions will be switched off for all newly activated cards. Members have to reach member support through chat to request enabling online & contactless transactions.

Members may use UPI or internet banking to load money into their Tide Expense Card.

• Tide Expense Card can be used at any online or offline RuPay-accepting merchants.
•  The cumulative spend limit on your Tide Expense Card will be of INR 3,00,000 in a day or month, as per the spending limit defined by the PPI Issuer (Transcorp). Any transaction exceeding this criteria will fail, hence no charges will be applied.
  

You will receive notifications for successfully loading money in your Tide expense card, and you can also access your real time updated passbook on the Tide App.

Any failed/pending transactions will be settled in T+1 working days (T being the day when transaction was initiated).

PPIs are instruments that facilitate the purchase of goods and services, including funds transfer, remittances and financial services against the value stored within or on them.

Yes, you should use the same fingerprint.

You may clean the surface of your phone and your hands before trying to scan your fingerprint. If you are still unable to set a biometric, try using a passcode or pattern to access your Tide Business Account.

Mobile biometric authentication uses fingerprints to detect and authenticate the identity of a user.

We ensure absolute protection and employ stringent measures for the security of your funds. We’ll never ask you to share confidential information like Card Verification Value (CVV), One-Time PIN (OTP) or other card details. If you receive any such calls, please report immediately to our helpline number 011-40789090 or write to us at indiasupport@tide.co

We’ve implemented a global ISMS based on the ISO 27001 standard, which includes security best practices such as secure software development, incident response, vulnerability management, access management and more. Security policies and procedures are regularly tested for their operating effectiveness both internally and by independent third parties.

No, there are no free ATM withdrawals on your Tide Expense cards. A fee of ₹28 (including GST) is payable on ATM withdrawals made using your Tide Expense Card.

You can use your Tide Expense Card to withdraw a maximum of ₹2,000/- cash per transaction and not more than ₹10,000/- cash per month.

Tide Expense Card is supported by the RuPay network and can be used at ATMs of a wide range of banks to withdraw cash.

Balance enquiries at ATMs are currently not supported on your Tide Expense Card. However, you can view your remaining balance any time on your Tide app.

No, you won’t be charged a fee for failed ATM withdrawals. In case a fee is deducted, it will be reversed promptly.

In such cases, we advise you to promptly reach out to Transcorp or to us at indiasupport@tide.co. Rest assured, any wrongly debited amounts will be returned to you within T+5 calendar days (where ‘T’ is the day of transaction).

Please freeze the card upon realising that your card is missing. Freezing your card will stop all types of transactions on your card. If you are sure that you have lost your card or that your card is stolen, you can report it on the Tide app, cancel your existing card and reorder a new card. Just click on your name on the home screen, tap on cards, then select ‘cancel card permanently’. Once you cancel your card, you will have the option to reorder the new card in the app.

The applicability and rate of surcharge may vary depending on the category of transaction and the acquiring bank involved.

A surcharge is an additional fee levied by an acquiring bank (the bank or financial institution which processes payments on behalf of a merchant) on certain transactions made using Tide Expense cards. Tide or your card issuer do not levy a surcharge.

You can subscribe to our Add-on bundle through your Tide app. Bundles are available in the Membership section, accessible by tapping the ‘Profile’ icon in the top right-hand corner, selecting ‘Settings,’ and then opening the ‘Membership’ tab.

Select the Add-on bundle you wish to subscribe to, read and agree to the Terms & Conditions, and confirm the subscription.

You can unsubscribe to your Add-on bundle through your Tide app. Bundles are available in the Membership section, accessible by tapping the ‘Profile’ icon in the top right-hand corner, selecting ‘Settings’ and then opening the ‘Membership’ tab

Then open up the Bundle you wish to unsubscribe from and select the ‘Cancel subscription’ button at the bottom of the page

You can read the terms and conditions for Tide’s Add-on Bundle here

Bundle subscription fees will be charged on the 1st of each month and will renew automatically unless cancelled.

You will receive an SMS reminder 48 hours before your subscription fee is due to be charged.

To avoid the subscription fee, you need to unsubscribe from the bundle before the 1st of the month.

If you have insufficient funds to pay the bundle subscription fee you will be unsubscribed from the bundle after Tide’s first charge attempt.

If you wish to resubscribe to your Add-on bundle you can do so through the Membership section of your Tide app.

With a Rewards Pass bundle you will receive

1) Free ATM cash withdrawals: The amount equivalent to the ATM withdrawal fee for the successful transactions will be credited to your Tide Expense Card. However, if we find that any amounts have been delivered to you incorrectly (such as in case of an unsuccessful ATM withdrawal), we reserve the right to cancel or set off such erroneously delivered amounts against any sums we owe you, subject to applicable law. ATM withdrawal benefit on a Rewards Pass will only activate from the date you subscribe to the Rewards Pass. For example, if a Rewards Pass is purchased on the 10th of March, only the ATM withdrawals made on or after the date of purchase (in this case, 10th March) would be eligible for this benefit.

2) Casback Benefit: 3% Cashback when transacting through your Tide Expense Card as per the terms set out here . Cashback will be credited at the end of the month (% spend on any transaction up to a limit of Rs.18,500 per month). Cashback benefit will be calculated considering all transactions made in the entire calendar month in which the Rewards Pass is purchased. For example, if a Rewards Pass is purchased on the 10th of March, the Rewards Pass will remain valid until the last day of March (31st) and all transactions made in the month of March (starting from the 1st of March) would be considered towards calculation of cashback for such month.

This is in addition to the free/default plan benefits of:

– Free physical card
– Chatbot support
– Basic invoicing

Only genuine transactions will count towards eligibility for this offer. Additionally, Tide excludes certain Merchant Category Codes (MCCs) when determining cashback eligibility on transactions.

To view the full list of ineligible transactions, please refer to the Offer Terms Governing Cashback on the Rewards Pass here.

We request you to get in touch with our agent via chat support.