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Banking & FintechCustomer Stories

Tide

Driving customer acquisition and loyalty with flexible, fee-free digital rewards powered by ChoicePlus.

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About Tide

Making business banking simpler for SMEs

Tide is a UK financial technology company providing mobile-first banking services for small and medium-sized businesses. Founded in 2015, Tide enables customers to open a business account and access services such as automated bookkeeping and integrated invoicing in minutes. Today, it serves more than 500,000 business account customers across the UK.

Challenge:
Tide needed a flexible, scalable way to attract new business account customers and reward loyalty in a competitive SME banking market.
Solution:
Tide uses Tillo’s ChoicePlus to instantly issue flexible digital rewards redeemable across nearly 200 leading UK brands.
Result:
Tide now delivers a seamless, fee-free reward experience that drives acquisition, strengthens engagement and supports £1.5 million in forecast annual redemptions.
About Tide

Standing out in a competitive banking market

Tide wanted to offer prospective and existing customers more than a fast account-opening experience. It needed a scalable incentive program that could encourage new sign-ups and reward loyalty at key moments in the customer journey - with rewards that were simple to deliver, flexible to redeem and relevant to a diverse audience of entrepreneurs and small business owners.

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The Solution

One reward. Nearly 200 ways to redeem it.

Through ChoicePlus, Tide can instantly issue digital rewards across its customer acquisition and loyalty campaigns. Recipients receive a single link directing them to a Tide-branded catalog, where they can select a gift card from nearly 200 leading UK brands.

Tide can tailor incentive values to different campaigns, with typical rewards of £50, £100 or £500. Tillo manages secure delivery and fulfillment behind the scenes, giving Tide a scalable way to reward customers without adding complexity to the experience.

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Giving every customer the freedom to choose

Prospective customers can open a free Tide business account through an internal or partner promotion. Once verified, they receive a ChoicePlus reward by email and choose their preferred gift card from a Tide-branded catalog spanning retail, dining and other popular categories.

This freedom of choice allows each reward to feel more personal, while the experience remains quick and intuitive. Tillo manages delivery, security and fulfillment behind the scenes, enabling Tide to focus on building stronger customer relationships.

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Partnership Impact

What Tide and Tillo achieved together

By combining Tide’s mobile-first banking experience with Tillo’s ChoicePlus technology and extensive brand network, the partnership has created a scalable reward program that supports acquisition, encourages engagement and gives every recipient greater freedom of choice.

£1.5 million annual redemptions

Forecast annual reward redemptions across participating retailers.

Nearly 200 brands

A diverse reward catalog designed to appeal to SME owners.

Instant digital delivery

Rewards are delivered seamlessly through email or a secure web link.

Flexible reward values

Typical £50, £100 and £500 rewards support different campaigns and customer moments.

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