Tide

Item: Tide
Rating: 1.7
Author: Maren Holst

FCACompaniesHouseHMRC

Commission: £50 flat CPA per qualifying new Tide member
Cookie: 30d
12m EPC: $1.76
Payout rel.: 100
Clawback: 30d

Tide is the UK SMB market-share leader and the most affiliate-friendly programme in the UK business-banking cohort: flat £50 CPA, reliable Impact tracking, MTD-compatible accountant integrations. EPC of $1.76 ranks #8 — the cohort floor reflects the modest one-shot CPA, not the conversion economics, which are among the strongest in the leaderboard.

Pros

£50 flat CPA is the cleanest published economics in UK SMB banking — no opaque tiers
Impact Radius dashboard with reliable 30-day cookie tracking and Net 30 payout cadence
FreeAgent + Xero + QuickBooks + Sage HMRC MTD integrations cover every UK accountant stack
Trustpilot 4.3/5 with ~18,500 reviews is the strongest end-user reputation in the cohort
Companies House #09595646 surfaced publicly — clean UK trust-band signal

Cons

E-money permission only — Tide balances are not FSCS-protected (ClearBank safeguarding applies)
30-day Impact cookie is cohort-standard — no longer-window differentiation
Flat £50 CPA is among the lower base payouts in the cohort vs lending-adjacent programmes

† Long-form review body pending — editorial expansion scheduled for the next Issue sweep.

Annex · How we scored it

Every factor, every value, every note.

base_payout: $64.00
cookie_decay: 0.55
attribution_factor: 1.00
reliability_factor: 1.00
conversion_rate_estimate: 0.05
payment_threshold_friction: 1.0
12m true-EPC (computed): $1.76
relative grade (vs top in cell): C+ · 34/100

full methodology v3.2

Adjacent · same cell

Rank

Business banking · Card-led SMB lender + business charge card with Avios rewards

Capital on Tap

FCACompaniesHouse

Rank

Business banking · Full UK PRA/FCA-licensed bank (closed broker / accountant channel)

Allica Bank

FCACompaniesHouse

Rank

Business banking · UK EMI multi-currency (cross-border specialist)

Wise Business

FCACompaniesHouse

Edited by

Maren Holst

Senior Editor

Signed · M.HOLST

Fact-checked by

Asha Devi

Standards Desk (Fact-Checker)

Signed · A.DEVI

Issue meta

vol iii · iss 14

published 2026-05-18

last sweep 2026-05-22

methodology v3.2 · audited apr '26

Companies House #OC4451x

Editorial signatures and issue metadata