Tide REFER200 offer calculator
Model your cashback against your real plan — card spend, saver deposit, deposit date and hold intention — and get the exact deadlines you'll need to hit.
Used to project your 7-day saver and 30-day card-spend deadlines.
Normal business spend — software, fuel, supplies. ATM withdrawals don't count.
- 📅 18 Jun 2026 — open Tide with REFER200.
- 📅 25 Jun 2026 — £5,000 must be in Instant Saver by this date.
- 📅 18 Jul 2026 — £100 of card spend must be complete.
- 📅 21 Jul 2026 — 30-day saver hold ends. Don't withdraw before this date.
How the maths works
The calculator scores each portion of REFER200 independently, the same way Tide does. Hit the £100 card-spend threshold within 30 days and the £75 portion is yours. Get the full £5,000 into Tide Instant Saver inside the 7-day deposit window and keep it there for the full 30-day hold and the £125 portion is yours. Anything less than the threshold returns £0 for that portion — partial credit doesn't apply.
What counts as card spend
Standard Tide business card transactions count — chip-and-PIN, contactless, online, Apple Pay / Google Pay. ATM withdrawals, bank transfers, internal moves and refunded transactions are excluded. Full breakdown: what counts as Tide card spend.
What counts as the saver deposit
The £5,000 must arrive in Tide Instant Saver within 7 days of opening — not be sent on day 7 and land on day 8. Multiple transfers totalling £5,000 typically count, but a single Faster Payment is the cleanest evidence. The balance must stay at or above £5,000 for a full 30 days. See the £5,000 saver requirement page.
Worked examples
- £150 card spend, £5,000 saver deposited on day 3, held for 30 days → £200. Both portions paid.
- £60 card spend, £5,000 saver deposited on day 4, held for 30 days → £125. Saver portion paid; card-spend below threshold.
- £120 card spend, £4,500 in saver → £75. Card-spend portion paid; saver below £5,000 threshold.
- £120 card spend, £5,000 deposited on day 9 → £75. Card-spend portion paid; saver missed the 7-day window.
- £120 card spend, £5,000 deposited on day 3 then withdrawn on day 20 → £75. Card-spend portion paid; saver hold broken before day 30.
What the calculator cannot model
- Account approval. Tide's decision on your application is binary — the calculator assumes you'll be approved.
- Tide's discretionary review. Even with all conditions met, Tide validates each portion. The estimate is what you're eligible for, not a guarantee.
- Excluded transaction types. If your "card spend" is actually dominated by ATM withdrawals or transfers, qualifying spend will be lower than what you've entered.
Last updated 16 June 2026 · Offer last checked 16 June 2026
Frequently asked questions
Is my estimate guaranteed?+
No. The calculator is advisory. Tide validates each portion against your actual account activity and pays cashback at its discretion within the published terms.
Does the calculator track me?+
Your inputs stay in your browser session. We push an anonymous event when an estimate is generated so we can improve the tool — no personal data is collected.
Why is depositing on day 7 risky?+
Bank transfers can take a working day to settle. A transfer sent on day 7 may not arrive in Instant Saver until day 8 — too late for the £125 portion. Aim for day 5 or earlier.
Can I get £125 without spending £100 on the card?+
Yes — the two rewards are independent. The saver portion isn't gated on card spend, and vice versa.
What if I deposit more than £5,000?+
The threshold is £5,000 — there's no extra reward for going above. Many users park their Corporation Tax or VAT pot in Instant Saver after the 30-day hold ends.
How accurate is the deadline projection?+
It assumes Tide's clocks start the day you open the account. If your application takes a day or two to clear, deadlines shift accordingly — be conservative and treat them as the earliest dates.
Ready to open a Tide account?
Use referral code REFER200 at sign-up to claim up to £200 cashback when you meet the qualifying steps.
Up to £200 cashback
Use referral code below when opening your Tide business account.
REFER200Up to £200 cashback. T&Cs apply. Tide determines account approval, eligibility and cashback validation. Last checked 16 June 2026.
Independent introducer disclosure: this site is not Tide and is not operated by Tide. If you sign up using our link or the code REFER200, we may receive a referral reward. Tide controls account approval, eligibility and cashback validation. This is not financial advice. Always check the latest Tide terms before applying. Last checked 16 June 2026.