The Tide is high but I’m holding on.

A few months ago, I made a financial and business decision to go from sole trader to Ltd Company and put Get Pro Copy on Companies House, appoint an accountant and open a new business account.

I’d had one before with Santander, but that company to me seems to be glitch central so I did what anyone would do and jumped on Google.

One caught my eye immediately: a new kid on the block called “Tide”.

Compared with the antiquated complexities of opening accounts elsewhere, this took me 10 minutes online to set up, 3 days for a Contactless card to arrive and an app to die for in its user-friendly simplicity.

It does invoicing well, neatly categorises purchases intuitively and is quick in action.

Costs are reasonable – pennies per transaction and it does nifty things like let you access your PIN number within the app.

No more memorising until you change it. A fingerprint scan reveals all.

It remembers email addresses and addresses for recurring invoices; new ones are activated via a text to your phone.

I like Tide.

Like it lots.

I’ve never really understood why physical banks and building societies still exist in such large numbers in towns and cities.

An app surely beats queues?

Tide though has one or two idiosyncrasies; here’s the main one.

A Tide bank credit takes 2 hours to be credited.

2 hours.

So when a client mutters those immortal words, “I’ve just paid you” you have 120 minutes to wait to see if they’re truthful or like that taxi not really coming round the corner.

Yet if I buy new printer cartridges, notebooks, stationery online or in a shop via the Tide card it’s debited on the app, before someone can ask is the receipt alright in the bag?

If you’re a small business, a one man band, a sole trader, a tiny Ltd Company, have a look at Tide.

It makes the usual banking suspects look positively primitive.

Here’s the link and no they’re not paying me to promote them – but I’ll check again in two hours.