Tide Platform Limited

Reference number: 900843

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When tide.co first appeared online, and whether it can receive email
  • What kind of line 020 3893 3262 is, and the 2 other firms that give it
  • Who else gives the postcode EC1Y 2AL
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FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (10 permissions)
  • a) Services enabling cash placement on a payment account
  • b) Services enabling cash withdrawals from a payment account
  • c) Execution of payment transactions (not covered by a credit line)
  • d) Execution of payment transactions (covered by a credit line)
  • e) Issuing payment instruments or acquiring payment transactions
  • f) Money remittance
  • g) Execution of payment transactions via telecoms, IT system or network operator
  • h) Issuing Electronic Money
  • i) Payment initiation services
  • j) Account information services

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
47
upheld, against a 31% median
13%
about banking and credit
47

A bigger firm gets more complaints simply because it has more customers. With this few, one case moves the upheld rate a lot.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company name
TIDE PLATFORM LTD
Company number
09595646
Company status
Active
Company type
Private limited company
Incorporated
18 May 2015 (11 years old)
Registered office
4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL, England
Nature of business
  • Other software publishing (SIC 58290)

Directors and company secretaries

Name Role Born Appointed Other companies
Oliver Rainer Andreas Prill (Dr) Director May 1971 1 Sep 2018 5 other companies
Rebecca Louise Marriott Director Jul 1987 1 Oct 2020 4 other companies
Vinay Ramani Director Jan 1977 13 Nov 2023 None
Gyorgy Pal Schmidt Director May 1987 8 Apr 2024 3 other companies
Shaun Stephen Mccabe Director Oct 1968 20 Nov 2024 5 other companies
Martyna Ewa Budzynska Director Aug 1987 18 Feb 2026 None
Claire Margaret Dimond Secretary Not published 26 Aug 2025 –

Other companies run by these 6 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
9
closed down
1
are FCA-registered
3

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 5 companies these 6 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Turnover

£198.9m

+12% from £177.2m

Profit before tax

−£11.3m

Up £1.89m from −£13.2m

Total equity

£14.6m

+91% from £7.67m

Cash at bank

£31.3m

−20% from £38.9m

* Cash at bank usually includes customers’ money.

Turnover and profit

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 09595646. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Tide Platform’s history from the FCA register and Companies House, newest first.

Key events (4) All events (20)

2018

1 May 2018

  • Became an authorised e-money institution

FCA register

4 January 2018

  • Regulated by the FCA from this date

FCA register

2017

30 March 2017

  • Tide Holdings Limited took control (75–100% of shares)

Companies House

2015

18 May 2015

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (4 shown here)
  • Every director appointment and resignation: 16
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Firms connected to Tide Platform

Other FCA-listed firms that share a director, phone number or address with Tide Platform. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its phone number
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on Tide Platform

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 20 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Tide Platform Limited FCA authorised?
Yes, Tide Platform Limited (FRN 900843) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Tide Platform’s phone number and website?
The FCA register lists the phone number 020 3893 3262 and the website tide.co for Tide Platform. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Tide Platform a scam or clone?
Tide Platform is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Tide Platform?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Tide Platform to the Financial Ombudsman Service, free of charge.
Who owns Tide Platform?
Tide Platform is owned by Tide Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 March 2017.
Who runs Tide Platform?
Companies House lists 6 directors of Tide Platform: Oliver Rainer Andreas Prill (Dr), Rebecca Louise Marriott, Vinay Ramani, Gyorgy Pal Schmidt, Shaun Stephen McCabe and Martyna Ewa Budzynska.
How long has Tide Platform been in business?
The company was formed on 18 May 2015, and has held its current FCA authorisation since May 2018.
What do Tide Platform’s latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £198.9m (+12% from £177.2m) and profit before tax of −£11.3m (up £1.89m from −£13.2m).
How many complaints does Tide Platform get?
In January–June 2025, the Financial Ombudsman Service received 47 new complaints about Tide Platform, and upheld 13% of those it decided.

Sources and links

The full report on Tide Platform Limited

£19.99 · Instant PDF download

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