Tide.co is a digital banking platform designed to cater to the needs of small and medium-sized businesses. Operating in the fintech market, the company offers a range of services including business accounts, invoicing, expense management, and instant card management. Its clients are primarily business owners who seek a seamless, digital-first approach to managing their finances.

Tide.co's business model is based on a freemium model, offering a basic account for free, with the option to upgrade to Plus or Premium memberships for additional support and features. The company generates revenue through these membership fees and through transaction fees, such as ATM withdrawals.

One of the key features of Tide.co is its automatic tagging of income and spending, which allows businesses to easily track and manage their finances. The platform also offers the ability to upload receipts, match them to transactions, and store them digitally, eliminating the need for physical record-keeping.

Another standout feature is the company's invoicing system, which allows users to send, pay, and track invoices directly within the app. This integrated approach eliminates the need for a separate invoicing system and simplifies the financial management process.

Tide.co also offers a free business Mastercard, which can be used for spending in the UK and abroad without any fees or commission. The card can be managed instantly through the app, allowing users to freeze, unfreeze, or cancel and re-order their card at any time.

However, it's important to note that Tide.co does not accept all businesses. The company assesses the risk factors of each business, including the type of business, how it makes money, and the industry it operates in. If the risk is deemed too high, the application will not be accepted.

Keywords: Digital Banking, Small Business, Fintech, Freemium Model, Financial Management, Automatic Tagging, Invoicing System, Business Mastercard, Risk Assessment, Expense Management.