Chase UK is a fully digital bank with no branches and no cash deposit capability. This is one of the most common questions from new Chase users — and the answer is a firm no. Here is what you can do instead.
This guide is part of the Chase UK hub, which covers all Chase features, limits, and fees in one place.
Chase UK Cannot Accept Cash Deposits
Chase does not accept cash through any channel:
| Method | Available with Chase? |
|---|---|
| Post Office cash deposit | ❌ No |
| PayPoint cash deposit | ❌ No |
| Branch counter deposit | ❌ No (no branches) |
| ATM cash deposit | ❌ No |
| Cheque deposit | ❌ No |
This is the same position as Revolut. By contrast, Starling accepts Post Office cash deposits for free, and Monzo accepts them for a fee (£1 or 3%, whichever is higher).
How to Add Money to Chase UK
1. Bank Transfer (Fastest and Most Common)
Transfer from any other UK bank account using Chase’s sort code and account number.
- Method: Faster Payments — instant, 24/7
- Fee: Free
- Limit: No Chase-imposed limit on receiving transfers
- Time: Typically within seconds
This is the standard method for most Chase users. Set up Chase as a payee in your existing bank and transfer when needed.
2. Debit Card Top-Up
Top up your Chase account using a debit card from another bank account via the Chase app (Account → Add money → Debit card). The debit card must be in your name. Subject to the card issuer’s own limits.
3. Payroll
Give your employer Chase’s sort code and account number to have your salary paid directly. Chase operates like a standard UK current account for payroll purposes — there are no restrictions or minimum requirements.
4. Government and Benefit Payments
Chase’s account details are valid for:
- HMRC tax refunds
- DWP benefit and Universal Credit payments
- State pension
No special setup is needed — provide Chase’s sort code and account number when requested.
5. Transfers From Other People
Friends, family, or customers can send you money via Faster Payments using Chase’s standard account details. For the limits that apply to transfers you send out, see the Chase UK transfer limits guide.
If You Regularly Handle Cash — Your Options
Chase is not designed for people who frequently receive or handle cash. These two approaches work well in practice:
Option 1 — Keep a second account for cash deposits
This is the most common solution. Open a Starling or high-street bank account alongside Chase. Deposit cash there, then transfer to Chase. Many Chase users run this two-account setup permanently.
| Bank | Cash deposit method | Fee |
|---|---|---|
| Starling | Post Office | Free |
| Monzo | Post Office | £1 or 3% (whichever is higher) |
| Lloyds | Branch and Post Office | Free |
| Barclays | Branch | Free |
| HSBC | Branch | Free |
Option 2 — Use Starling as primary, Chase as spending account
Starling accepts free Post Office cash deposits and has comparable 0% foreign fees. For those with regular cash income, Starling as primary account plus Chase for its 1% cashback on UK spending is a solid combination.
What About Cheques?
Chase UK does not accept cheque deposits by any method, and does not issue cheque books. If you regularly receive cheques, Monzo (post a cheque to their Freepost address) or any high-street bank account is more appropriate.
Does Cash Deposit Method Affect Chase Cashback?
No. Chase’s 1% cashback is earned on debit card purchases only. How you fund the account — Faster Payments, debit card top-up, or payroll — has no effect on your cashback balance. Only what you spend on the Chase debit card counts.
For the full cashback rules including exclusions, see Chase UK Cashback Rules.
Summary
Chase UK has no cash deposit capability and no plans to add it. If you need to bank cash:
- Occasional cash: Deposit into a Starling account (free at any Post Office) and transfer to Chase
- Regular cash: Maintain a traditional bank account alongside Chase for cash handling
For everything else Chase offers — fees, ATM limits, savings rates, and travel use — see the Chase UK hub.