Chase UK is JPMorgan’s app-only bank for UK customers. Launched in 2021, it offers a free current account paying 5% AER on everyday balances — one of the highest rates available on any no-fee current account in the UK.
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 balance | 5% AER (variable, up to £500,000) |
| FSCS protection | Yes — up to £85,000 |
| 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 earn more on their everyday balance and spend fee-free — both in the UK and abroad.
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. The standout feature is the 5% AER interest paid on the full current account balance (variable rate — check chase.co.uk for the current figure).
This puts Chase UK ahead of almost every high-street bank, where current account interest is typically 0% or negligible.
Saver Account
Chase also provides a linked easy-access Saver account within the same app. Rates are competitive and updated regularly. There are no withdrawal restrictions. The round-up feature automatically saves the spare change from purchases into your Saver.
Cashback
Chase launched with 1% cashback on all debit card spending for the first 12 months. In 2026, targeted cashback promotions replace the blanket offer. Check the Chase app for current in-app offers — these are personalised.
→ 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. 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 free ATM withdrawals up to a monthly 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, and with First Direct and Marcus for interest rates.
| Bank | Monthly fee | Current account interest | Foreign spending fee |
|---|---|---|---|
| Chase UK | £0 | 5% AER | Free (fair use) |
| Monzo | £0 (standard) | 0% | Free (standard plan, limits apply) |
| Starling | £0 | 0% | Free |
| First Direct | £0 | 0% (7% on Regular Saver) | 2.75% |
| Nationwide FlexPlus | £13/month | 3% (up to £1,500) | Free (with travel insurance) |
For most people who want fee-free banking plus genuine interest on their everyday balance, Chase UK is the strongest free option available in the UK in 2026.
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 May 2026. Rates and limits are subject to change — always verify current figures at chase.co.uk.