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Exclusive Reader Perks

Two verified rewards for UK business owners.

Use our verified referral code and promo code to claim up to £200 from Tide and 7,500 reward points worth £75 from Capital on Tap. Review the qualifying steps and product fit before you apply.

Affiliate disclosure: The links on this page are referral/affiliate links. If you sign up through our links, we may earn a commission at no extra cost to you. We only recommend products we believe are genuinely useful for UK business owners.
Business Bank Account

Tide Business Account

A digital business account with Free, Smart, Pro and Max plans; suitability and protection depend on account type.

Rating varies; check the current provider profile before publishing a number
What you get
  • Free plan available with no monthly fee
  • Up to £200 partner reward: £75 for £100 card spend plus £125 for an eligible Instant Saver balance held for 30 days
  • Open and manage the account in the app
  • Accounting integrations including Xero, QuickBooks, FreeAgent and Sage
  • Expense categorisation and receipt capture
  • Instant payment notifications
How to claim your Up to £200
  1. 1Click the button to open the Tide partner application
  2. 2Enter code REFER200 when you sign up
  3. 3Spend £100 on your Tide card within 30 days
  4. 4Open an eligible Tide Instant Saver and deposit at least £5,000 within seven days
  5. 5Maintain the qualifying balance for 30 days; rewards remain subject to eligibility and campaign terms
Read our full Tide review
Business Credit Card

Capital on Tap Business Credit Card

A UK business credit card offering 1% uncapped cashback, subject to eligibility.

Rating varies; check the current provider profile before publishing a number
What you get
  • 7,500 bonus reward points worth £75 after your first card transaction within 30 days
  • 1% uncapped cashback on eligible spending
  • No joining fee or annual fee
  • Free additional employee cards
  • Accounting integrations and spend notifications
  • Flexible repayment options
How to claim your 7,500 points
  1. 1Click the button to open the Capital on Tap application
  2. 2Enter code SETTINGUP in the promo field
  3. 3Complete your application and, if approved, activate your account
  4. 4Complete your first card transaction within 30 days of signing up
  5. 5Receive 7,500 bonus points worth £75, subject to eligibility and the campaign terms
Read our full Capital on Tap review
Our editorial policy

Why we recommend these two products.

We're transparent about our affiliate relationships. Here's exactly why we recommend Tide and Capital on Tap.

Business Bank Account

Why we recommend Tide

Tide offers Free, Smart, Pro and Max plans. It may suit limited companies and sole traders who want an app-first account, but protection depends on whether the account uses a ClearBank current-account or PrePay Technologies e-money arrangement.

Get £75 after spending £100 on the Tide card within 30 days. Get a further £125 by opening an eligible Tide Instant Saver, depositing £5,000 within seven days and maintaining the qualifying balance for 30 days. Eligibility and campaign terms apply. Use referral code REFER200.

Editorially independent
Read full Tide review
Business Credit Card

Why we recommend Capital on Tap

Capital on Tap is a UK business credit card offering 1% uncapped cashback, subject to eligibility. Applicants must be UK-resident active directors or majority shareholders owning at least 25%; their active UK-registered Ltd, LLP or PLC must be listed as active on Companies House, and neither the applicant nor business can have an unsatisfied CCJ in the previous 12 months. Sole traders are not currently eligible.

There is no minimum trading history or turnover, so an otherwise eligible business need not rule itself out on that basis. At application, the personal-file soft search does not affect the applicant's score or appear to other lenders, and no visible business-file hard search is run. A business-file hard search occurs only when the credit agreement is signed and can then be visible to other lenders—useful context before deciding to sign.

Editorially independent
Read full Capital on Tap review

Why a business bank account?

Legally required for limited companies

A limited company is a separate legal person and should keep company money separate. Check the provider's account terms and your accountant's advice rather than relying on a blanket rule.

Tax time becomes painless

Every transaction is already categorised as business spend. No untangling 12 months of personal statements at midnight in January.

You look professional

Invoices paid to 'Yourname Ltd' at a business account hit different than transfers to a personal IBAN.

Better tools

Built-in invoicing, expense categorisation, Xero/FreeAgent integrations. None of that exists on a personal account.

Why a business credit card?

Cashflow buffer

A card can bridge timing gaps, but it creates a repayment obligation. Only use it when the business can model and manage the balance.

Cashback on spend you'd do anyway

Software, ads, supplies — running them all through a 1% cashback card adds up to hundreds a year.

Create a payment record

Regular on-time payments may help establish a business credit record, but future lending is not guaranteed and depends on the lender's criteria.

Cleaner accounting

One card statement = one import into Xero. No screenshotting receipts from your personal card.

The 1-afternoon setup

Block out a Wednesday afternoon. Do all four in this order.

  1. Apply for Tide — ID + selfie on the app. Account active in minutes.
  2. Apply for Capital on Tap — 2-minute decision, card arrives in days.
  3. Sign up for Xero (or your accounting tool) and link both accounts.
  4. Move your business spending off your personal card. Done.

Which product is unsuitable for which business?

Tide may be a poor fit for a business that needs extensive branch cash handling, a particular account-provider relationship or protection that does not match the account arrangement offered. Capital on Tap may be unsuitable for a sole trader, an inactive company, an excluded industry, or a business that cannot repay card spending in full. Neither product should be chosen solely because a reward appears on the page.

Approval is never guaranteed. Eligibility, verification, credit assessment, product availability and promotion terms can change. Read the provider terms, compare the total cost of use, and keep a record of the source checked before applying.

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