Exclusive reader offers
Two offers every UK solo business owner should look at
Two offers relevant to UK solo business owners: a Tide business account referral that can support a first cash reserve, and a Capital on Tap card offer for businesses that can repay planned spending. This page explains the current codes, conditions, risks and alternatives so you can decide whether either fits your business.
Hayley Duster — writer and solo business owner
Business bank account
Use Tide referral code HAYLEY200 to get up to £200
Exclusive bonus
Up to £200
£75 + a further £125 when all conditions are met
A digital business account for UK businesses. Use the authorised HAYLEY200 offer link and meet the current card-spend and Instant Saver conditions to receive up to £200.
What you get
- Up to £200 when all current conditions are met
- £75 after at least £100 of Tide card spend within 30 days
- A further £125 after keeping at least £5,000 in an eligible Instant Saver for 30 days
- No hard credit check for the business current-account application
- Free plan available; transaction and optional-service charges can apply
- Check the current provider terms before applying
How to claim it
- 1Apply through the authorised offer link or enter code HAYLEY200 during application.
- 2Spend at least £100 on the Tide card within 30 days to qualify for £75.
- 3To qualify for a further £125, open the eligible Instant Saver, deposit at least £5,000 within seven days, and keep at least £5,000 deposited for 30 days.
- 4Tide confirms eligibility and pays in accordance with the current offer terms.
Why it is here
Tide may suit a limited company, sole trader or freelancer that wants a separate digital account and is prepared to compare payment, cash-deposit and plan charges before opening.
The referral payment is conditional. Read the current offer terms and only treat it as a benefit if the qualifying activity already fits how you run the business.
Authorised offer: up to £200. £75 requires at least £100 of Tide card spend within 30 days. A further £125 requires an eligible Instant Saver, at least £5,000 deposited within seven days, and at least £5,000 kept deposited for 30 days. T&Cs and eligibility apply. Affiliate link.
Business credit card
Get 7,500 Capital on Tap points with SETTINGUP
Exclusive bonus
7,500
Points worth £75 under the current redemption
An active UK director or majority shareholder (25%+) of an active UK Ltd, LLP or PLC can use the referral link to qualify for 7,500 points after a qualifying transaction within 30 days of card activation, subject to the current terms.
What you get
- 7,500 referral points, worth £75 under the current redemption
- Qualifying transaction within 30 days of card activation
- Official referral terms include card spend or drawing down funds
- 1% cashback on eligible card spending under the current rewards terms
- No annual fee on the Free plan
- Rates from 13.86% APR (variable); actual rate and limit depend on assessment
- Applicant must be an active director or majority shareholder (25%+) residing in the UK
- Business must be an active UK-registered Ltd, LLP or PLC
- Applicant and business must have no unsatisfied CCJs in the last 12 months
- No minimum trading history or turnover requirement
- No visible hard search on the business credit file at application; the business-file hard search happens when the credit agreement is signed
How to claim it
- 1Apply using the referral link, which passes the SETTINGUP code to the application.
- 2If approved, activate the card and complete a qualifying transaction within 30 days of activation.
- 3The official referral terms include card spend or drawing down funds.
- 4You should receive 7,500 points, worth £75 under the current redemption, within one month of the first transaction, provided the account remains open, in good standing and all terms are met.
Why it is here
Capital on Tap may suit an eligible incorporated business with planned card spend that can compare rewards, credit limit and borrowing cost against other business-card options.
A no-annual-fee plan does not mean credit is free: check the rate offered, repayment terms and all current fees before applying or carrying a balance.
T&Cs and eligibility apply. If approved, activate the card and complete a qualifying transaction within 30 days of activation. The official referral terms include card spend or drawing down funds. 7,500 points, worth £75 under the current redemption, should be credited within one month of the first transaction if the account remains open, in good standing and all terms are met. Affiliate link.
This page is general information, not financial advice. Business banking and credit products carry risk and eligibility criteria: read the provider's terms in full and consider whether borrowing is right for your situation.
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