Chase UK is JPMorgan’s app-only bank for UK customers. Launched in 2021, it offers a free current account, a linked Saver account, and a Round-up savings pot. The current account itself stopped paying interest on 5 August 2024 — interest is now earned through the Saver (2.25% AER standard, variable) and Round-up account (5.00% AER, variable) instead.
This hub covers everything you need to know about using Chase UK day-to-day: limits, fees, savings, cashback, travel use, and customer support.
Chase UK at a Glance
| Feature | Details |
|---|---|
| Account type | Personal current account (app-only) |
| Monthly fee | £0 |
| Interest on current account balance | £0 (interest ended 5 August 2024) |
| Saver interest | 2.25% AER standard (variable); boosted rate up to 4.5% AER for new customers for 12 months — confirm current offer at chase.co.uk |
| Round-up account interest | 5.00% AER (variable) |
| FSCS protection | Yes — up to £120,000 |
| Overdraft | Not available |
| Business accounts | Not available |
| Physical branches | None |
| App rating (iOS/Android) | 4.5+ |
What Chase UK Offers
Chase UK is intentionally narrow in its product range. It is built for people who want to spend fee-free — both in the UK and abroad — and earn interest through its linked savings products.
Current Account
The Chase UK current account is free to open and hold. There are no monthly fees, no minimum pay-in requirements, and no penalties for low balances. Since 5 August 2024, Chase no longer pays interest on the current account balance — savings should be held in the linked Saver or Round-up account to earn interest instead.
Saver Account
Chase also provides a linked easy-access Saver account within the same app, paying 2.25% AER (variable) as standard, with a boosted new-customer rate available periodically (currently up to 4.5% AER for 12 months — a promotional offer, confirm current terms in the app). There are no withdrawal restrictions. The round-up feature automatically saves the spare change from purchases into a separate Round-up account, which pays 5.00% AER (variable).
Cashback
Chase launched with 1% cashback on all debit card spending for the first 12 months. Since 1 June 2026, Chase offers 2% cashback (up to £20 a month) on eligible UK and Channel Islands spending — groceries, restaurants, cafes, takeaways, everyday transport, fuel, and public EV charging — on both debit and credit cards, subject to making at least 15 card payments or Direct Debits a month and holding £1,000+ across your Chase Savers. Check the Chase app for full current terms, as these can change.
→ Full details: Chase UK Cashback Rules Explained
Limits and Fees in Detail
Understanding Chase’s limits is important — particularly if you transfer large amounts or use the card frequently abroad.
- ATM withdrawals: See Chase UK ATM Withdrawal Limit
- Bank transfers: See Chase UK Transfer Limit
- Foreign spending and ATMs: See Chase UK Travel Spending
- Full fee breakdown: See Chase UK Fees
Sort Code and Account Details
If someone needs to send you money or you’re setting up your salary payment, you’ll need your Chase sort code and account number.
→ Chase UK Sort Code — What It Is and How to Find It
Customer Service
Chase UK is app-only — there is no phone number to call in the traditional sense for everyday enquiries. Support is handled in-app via chat.
→ Chase UK Customer Service — How to Get Help
Savings Account
Chase’s Saver account earns competitive interest with no withdrawal restrictions — a strong option for an emergency fund or short-term savings pot.
→ Chase UK Savings Account — Rates and How It Works
Using Chase Abroad
Chase is one of the best UK bank accounts for travel — no foreign transaction fees on spending and no Chase fee on foreign ATM withdrawals, subject to a £500-a-day / £1,500-a-month limit.
→ Chase UK Travel Spending — Limits and Foreign ATM Fees
How Chase UK Compares
Chase UK competes most directly with Monzo and Starling in the app-bank space.
| Bank | Monthly fee | Current account interest | Foreign spending fee |
|---|---|---|---|
| Chase UK | £0 | £0 (Saver pays 2.25% AER; Round-up pays 5.00% AER) | Free (fair use) |
| Monzo | £0 (standard) | 0% | Free (standard plan, limits apply) |
| Starling | £0 | 0% | Free |
| First Direct | £0 | 0% (higher rate on Regular Saver — confirm current rate) | Confirm current non-sterling fee at firstdirect.com |
| Nationwide FlexPlus | £13/month | Confirm current rate at nationwide.co.uk | Free (with travel insurance) |
For most people who want fee-free banking plus interest on savings held in a linked pot, Chase UK remains a strong free option in the UK in 2026 — but note that, unlike its early years, the current account itself no longer pays interest.
All Chase UK Articles
- Chase UK Review 2026 — Full account review
- Chase UK ATM Withdrawal Limit
- Chase UK Transfer Limit
- Chase UK Sort Code
- Chase UK Savings Account
- Chase UK Cashback Rules
- Chase UK Customer Service
- Chase UK Travel Spending
- Chase UK Fees
- Can You Deposit Cash With Chase UK?
- Is Chase UK FSCS Protected?
Information last reviewed September 2026. Rates and limits are subject to change — always verify current figures at chase.co.uk.