Tide

Tide is a UK business finance and administration platform ("built by business owners for business owners") serving over two million small businesses, sole traders, freelancers, and limited companies. It combines a business current account (an e-money account powered by ClearBank), expense cards, invoicing and payment tools (Tap to Pay, card readers, QR codes, payment links), MTD-ready accounting and admin, business credit and finance (loans, asset finance, invoice finance), company formation, and business insurance. Tide is authorised and regulated in relation to its regulated activities by the UK Financial Conduct Authority. Tide was surfaced as a portfolio company of Anthemis, Creandum, and Speedinvest. It does not currently publish a public developer API or developer portal; "Open Banking" is offered as a consumer product feature.

Tide is profiled on the APIs.io network. Tagged areas include Company, Fintech, Business Banking, Payments, and SME.

Tide’s developer surface includes pricing, engineering blog, support, signup flow, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

23.9/100 emerging ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechBusiness BankingPaymentsSMEAccountingInvoicingUnited Kingdom

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 23.9/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 8.9 / 20

Operational Transparency 3.4 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 7/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 3 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/tide: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Access & Security 4

Authentication, authorization, and security posture

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

SecurityTxt

SecurityTxt

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: tide
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/tide.png
name: Tide
description: Tide is a UK business finance and administration platform ("built by business owners for business owners") serving
  over two million small businesses, sole traders, freelancers, and limited companies. It combines a business current account
  (an e-money account powered by ClearBank), expense cards, invoicing and payment tools (Tap to Pay, card readers, QR codes,
  payment links), MTD-ready accounting and admin, business credit and finance (loans, asset finance, invoice finance), company
  formation, and business insurance. Tide is authorised and regulated in relation to its regulated activities by the UK Financial
  Conduct Authority. Tide was surfaced as a portfolio company of Anthemis, Creandum, and Speedinvest. It does not currently
  publish a public developer API or developer portal; "Open Banking" is offered as a consumer product feature.
url: https://raw.githubusercontent.com/api-evangelist/tide/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
- creandum
- speedinvest
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Business Banking
- Payments
- SME
- Accounting
- Invoicing
- United Kingdom
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.tide.co/
- type: Pricing
  url: https://www.tide.co/pricing/
- type: Blog
  url: https://www.tide.co/blog/
- type: Support
  url: https://www.tide.co/help-centre/
- type: SignUp
  url: https://web.tide.co/sign-up/
- type: Login
  url: https://web.tide.co/login
- type: TermsOfService
  url: https://www.tide.co/terms/
- type: PrivacyPolicy
  url: https://www.tide.co/terms/privacy/
- type: StatusPage
  url: https://status.tide.co/
- type: Lifecycle
  url: lifecycle/tide-lifecycle.yml
- type: Security
  url: https://www.tide.co/responsible-disclosure/
- type: VulnerabilityDisclosure
  url: security/tide-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/tide-domain-security.yml
- type: SecurityTxt
  url: well-known/tide-security.txt
- type: WellKnown
  url: well-known/tide-well-known.yml
- type: LLMsTxt
  url: llms/tide-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 6
  pass: local-v1