Access

Why am I not able to download the Tide App?

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

How do I sign up if I am unable to receive the OTP on my registered number?

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.

Who can open a Tide Business Account?

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.

How long does it take to open a Tide Business Account?

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

How can I proceed further if my phone doesn't support touch ID or fingerprint scanning?

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

Which devices can I use to open and access a Tide App?

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

My OTP expired before the phone number verification. What should I do?

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.

Can I log into Tide from a desktop?

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

Tide Expense Card

How can I track my Tide Expense Card application?

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

How long does it take for a Tide Expense Card to be delivered?

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

What is the maximum balance limit and the monthly spend limit for a Tide Expense Card?

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.

Is there any monthly or annual fee for the Tide Expense Card?

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

What is the issuance charge for Tide Expense Card?

We don’t levy any issuance charges.

What are the features and benefits of the Tide Expense Card?

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

Is there any limit to the number of transaction that a member can make in a day or a month?

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).

How can I add money to the Tide Expense Card?

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

What is the Tide Expense Card?

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

How will I receive the Tide Expense Card?

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.

Where will I receive my Tide Expense Card?

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

How can I use my Tide Expense Card?

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

How much time does it take for balance to load?

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.

What is the total spend limit on the Tide expense card?

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).

Account Features

Is there any referral scheme?

Currently, we don’t offer any referral scheme.

What are the active offers if a member joins?

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

Can I avail any add-on card service?

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

Are there any charges for opening a Tide Business Account?

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

Is there any charge applicable if the minimum balance is not maintained?

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

Is Tide a bank?

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.

What is the Tide Business Account?

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.

How can I check my Tide Expense Card balance in the Tide App?

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.

Are there any charges associated with setting up a Tide Business Account or using the Tide Expense Card for transactions?

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.

Support

Can I change my registered mobile number with Tide?

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.

How do I open a new account?

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

What happens to the balance amount in my Tide Expense Card?

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).

Can I use my existing Tide Expense Card with my new account?

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.

Who do I contact if I face any issues?

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.

What can I do if I face any issues with the Tide App?

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

What are Tide's business days and hours?

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.

Can I speak to someone over the phone?

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.

How do I update my details submitted on Tide App? (Email/Phone/DOB etc)

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

What if I lose my phone?

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.

KYC at Tide

Can I reschedule the vKYC call if I don't have the necessary documents at the moment?

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

What identity documents are required during the vKYC (video KYC) process?

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

My connection was interrupted during the vKYC (video KYC) process, what should I do?

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

Why is there a queue to initiate vKYC with the KYC Agent (video KYC)?

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

My Aadhaar isn't linked to a mobile number, what should I do?

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

What is vKYC (video KYC)?

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.

Payments

Does the Tide Expense Card support international transactions?

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.

Can I use the Tide Expense Card to make contactless payments?

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.

Can the Tide Expense Card be used for online transactions?

  • 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.

What transaction methods can be used?

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

Is there any charge applicable if the balance amount in the Tide Expense Card exceeds the maximum limit?

  • 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.

How do I check if a payment amount has been added to my Tide Business Account?

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.

What happens when a transaction is unsuccessful but the amount has been deducted from the Tide Expense Card balance?

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

What are Prepaid Payment Instruments (PPI)?

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.

Security

Should I use the same fingerprint for biometrics as registered to unlock the phone?

Yes, you should use the same fingerprint.

What can I do if I am not able to set up my biometric?

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.

What is biometric authentication?

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

Is my money safe with Tide?

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

Is my data secure with Tide?

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.

ATM Withdrawal

Are there any free ATM withdrawals on my Tide Expense card?

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.

What is the ATM withdrawal limit per day and the withdrawal limit per month on my 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.

Which bank’s ATM can be used to withdraw cash from my Tide Expense card?

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

Can I make a balance enquiry at an ATM using my Tide Expense Card?

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.

Will any fee be levied if the transaction fails and there is no cash withdrawal?

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

What should I do if during the cash withdrawal process, cash is not disbursed but the account gets debited for the amount?

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).

What should I do if my Tide Expense Card is lost or stolen?

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.

Card Surcharge

For which type of card transactions will I have to pay surcharges? At what rates is the surcharge levied?

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

What are card transaction surcharges?

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.

Paid Plan

How do I subscribe to an Add-on bundle?

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.

How do I unsubscribe from my Add-on bundle?

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

What are the terms and conditions for Tide’s Add-on bundle?

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

When will I be billed for my Add-on bundle?

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.

What happens if I am unable to pay the fee?

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.

What benefits are included in the Reward Pass?

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

Are any purchases excluded from Reward Pass Cashback?

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.

I have an issue with my free ATM withdrawals

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