Tidewell logo Tidewell
Get the app

NewPots that pace themselves, in version 4.2

Money that knows where it's going

Tidewell sorts your pay into rent, bills and the things you are saving for the moment it lands — so the number you see is the number you can actually spend.

Open a free account → See how it works

4.8 from 212,000 reviews

No monthly fee on Free, ever

£ Payday, sorted£1,640 moved into 4 pots at 06:02
+ Round-up +£0.62Swept into Lisbon in May
! Council tax on Friday£148 — the Bills pot has it

4.8

App Harbour · 164,000 ratings

4.7

Playfield · 48,000 ratings

1.9m

Members across the UK, 31% of them sharing a space

£2.4bn

Set aside in pots in the last twelve months

One calm app

Everyday money, finally working on your side

A current account that plans ahead. Budgets that adjust, bills you see coming, and savings that fill up while you get on with your week.

Budgets

Categories that learn what you really spend

Tidewell sorts every payment as it happens and nudges a budget up or down after three months of evidence — not after one expensive weekend.

  • Groceries£318 of £400
  • Eating out£78 of £120
  • Transport£41 of £90
  • Going out£14 over

Round-ups

Spare change, quietly adding up

Every card payment rounds to the next pound and the difference goes to the pot you pick. Double it on Plus.

62%

£14.85

rounded up this week — 62% of the way to Friday's £24 target

  • Flat white £3.40+£0.60
  • Bus fare £1.75+£0.25
  • Lunch deal £5.30+£0.70
  • Paperback £8.99+£0.01

Bills calendar

See every bill a week before it lands

Direct debits, subscriptions and council tax, laid out on the month.

  • M
  • T
  • W
  • T
  • F
  • S
  • S
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
4 bills duePayday

Alerts

Every payment, the second it happens

And a heads-up when a subscription quietly raises its price.

GR

£38.20 at Greenhollow

Groceries · £82 left this month

!

Price rise spotted

Streamline went £8.99 → £10.99

Shared spaces

One pot of money for the whole flat

Everyone pays in, bills come out, and the app keeps a fair tally — so nobody has to be the one who chases.

Jo Dev Ruth Tobi

£1,962

Flat 4B · September bills covered

Card controls

Freeze it faster than you can find it

Tidewell

•••• 4417

R CALLOWAY

Freeze card
Online payments
Gambling block

Payday sorter

Rent is paid before you have time to spend it

Tell Tidewell what has to come out of each pay packet once. When your salary lands it is split in seconds — rent, bills and saving first, and whatever is left is yours to spend without doing sums.

  • Works on any payment over £300 that looks like pay, including a second job
  • Get paid up to a day early when your employer sends it early
  • If pay comes in short, pots are filled in the order you chose
How the sorter decides →

Friday 26 Sep · £2,640 in

Sorted in 3s
  • RERent£1,150
  • BIBills£290
  • LILisbon in May£120
  • RDRainy day£80

Free to spend until 24 Oct

£1,000 · £35 a day

✓

Rent pot is ready for 1 October

Paid to Calder Lettings automatically on the day

Getting started

An account in the time it takes the kettle to boil

No branch, no paperwork, no credit search. You need a phone, a photo ID and to be over 16.

  1. 1

    Download and verify

    Scan a passport or driving licence and record a three-second video. Most people are approved before the upload bar finishes.

    About 4 minutes

  2. 2

    Bring your salary across

    The current account switch moves your pay, direct debits and standing orders for you, and redirects anything sent to the old account for three years.

    7 working days

  3. 3

    Make your first pots

    Start with rent and bills. Tidewell looks at your last three months and suggests the amounts, which you can change at any time.

    2 minutes

Members, in their words

Fewer money conversations. Better ones.

I used to check my balance with one eye closed. Now the number on the screen is what I can spend, and the rent has already gone to its pot.
Ruth Calloway

Ruth Calloway

Primary teacher, Leeds · member since 2022

Four of us, one flat, one space. Bills go out of it and the app keeps score. We haven't had the “who owes who” chat since March.
Jo Pereira

Jo Pereira

Shares a space with three flatmates

Freelance income is lumpy. The tax pot takes 22% of every invoice the day it's paid, so January stopped being frightening.
Dev Anand

Dev Anand

Freelance sound engineer, Glasgow

Protected up to £85,000

Pots are held with our partner bank and covered by the Depositor Guarantee Scheme. Your main balance is safeguarded, separate from ours.

Freeze in one tap

Lost your card down the sofa? Freeze it, find it, unfreeze it. Nothing is cancelled until you say so.

A person, any hour

In-app chat answers in under four minutes on average, and lost or stolen cards reach a human at any time of day.

Give every pound somewhere to be

Open a Tidewell account in about four minutes. Free plan, free card, no credit check — and you can leave with one tap if it isn't for you.

Open a free account Compare plans
Download on theApp Harbour Get it onPlayfield