Chase UK’s current account is free to use for the vast majority of everyday transactions. There is no monthly fee, no foreign spending fee, and no fee for UK transfers or ATM withdrawals. The main thing to watch is the £1,500-a-month cap on cash withdrawals abroad — this is a hard limit, not a percentage fee.
Here is every fee associated with Chase UK in 2026, clearly laid out. For a full account overview, see the Chase UK Review 2026 or the Chase UK hub.
Complete Chase UK Fee Schedule 2026
Account Fees
| Fee type | Amount |
|---|---|
| Monthly account fee | £0 |
| Account opening fee | £0 |
| Minimum balance requirement | None |
| Minimum monthly pay-in | None |
| Interest on current account balance | £0 (Chase stopped paying current account interest on 5 August 2024) |
UK Payments and Transfers
| Fee type | Amount |
|---|---|
| Faster Payments (sent) | £0 |
| BACS transfers | £0 |
| Standing orders | £0 |
| Direct debit set-up | £0 |
| CHAPS transfers | Not available |
| International transfers | Not available |
UK ATM Withdrawals
| Fee type | Amount |
|---|---|
| ATM withdrawal (Chase fee) | £0 |
| Daily withdrawal limit | £500 |
| Third-party ATM access fee | Varies by ATM operator |
Note: Some ATMs — particularly in convenience stores, petrol stations, and nightclubs — charge their own access fee. This is charged by the ATM provider, not Chase, and is displayed on-screen before you confirm the transaction.
Foreign Spending
| Fee type | Amount |
|---|---|
| Foreign transaction fee (card purchases) | £0 |
| Foreign currency exchange markup | £0 (Mastercard rate used) |
| Foreign ATM withdrawal (Chase fee) | £0, subject to a £500/day and £1,500/month withdrawal cap |
| Dynamic currency conversion (DCC) | Avoid — applied by merchant, not Chase |
Some older or third-party sources describe a 1.5% fee applying to foreign ATM withdrawals above a £500 monthly allowance. This is not reflected in Chase’s current published terms as of September 2026 — the constraint is the £1,500/month withdrawal cap, not a percentage fee. Confirm the current position in the Chase app before travelling.
Card Fees
| Fee type | Amount |
|---|---|
| Debit card issue | £0 |
| Card replacement (lost/stolen) | £0 |
| Apple Pay / Google Pay | £0 |
| Contactless payments | £0 |
Overdraft
| Fee type | Amount |
|---|---|
| Arranged overdraft | Not available |
| Unarranged overdraft | Not available — transactions declined |
Chase UK does not offer an overdraft facility. If you attempt a payment that exceeds your account balance, the transaction will be declined rather than creating an unarranged overdraft charge.
What Chase UK Does NOT Charge For
To make it clear: the following are all free with Chase UK:
- Opening and holding the account
- UK Faster Payments (any amount up to your limit)
- UK ATM withdrawals
- Foreign card payments (any currency, any country)
- Foreign ATM withdrawals, within the £500/day and £1,500/month caps
- Standing orders and direct debits
- Using Apple Pay or Google Pay
- Card replacement
The Main Thing to Watch
The main constraint most Chase customers encounter abroad is not a fee — it’s the £1,500-a-month cap on total cash withdrawals abroad. Once you reach that cap, further ATM withdrawals on your Chase card will not be possible until the next calendar month, regardless of any fee.
For a full breakdown of using Chase abroad, including fair use and DCC, see Chase UK Travel Spending.
Chase UK Fees vs Competitors
| Fee | Chase UK | Monzo | Starling | Barclays |
|---|---|---|---|---|
| Monthly fee | £0 | Confirm current fee at monzo.com | Confirm current fee at starlingbank.com | Confirm current fee at barclays.co.uk |
| Foreign spending | £0 | Confirm current terms | Confirm current terms | Confirm current terms |
| Foreign ATM | £0, capped at £500/day, £1,500/month | Confirm current terms | Confirm current terms | Confirm current terms |
| Overdraft | N/A | Available | Available | Available |
Competitor fee structures change frequently — always confirm current terms directly with each provider before comparing.
Should You Worry About Chase’s Fees?
For most UK customers, the answer is no. Chase UK is structured as a genuinely fee-free account. The main scenario to plan around:
- You need more than £1,500 in cash from foreign ATMs in a single calendar month — Chase’s limit, not a fee, is the constraint
- You use a fee-charging ATM in the UK or abroad — the fee is charged by the ATM operator, not Chase, and is avoidable
If you are looking for a fee-free everyday account, Chase UK’s fee structure is one of the cleanest available in the UK in 2026 — though remember the current account itself no longer pays interest (that stopped in August 2024), so any interest you earn with Chase comes from the linked Saver or Round-up account.
Related Chase UK Guides
Chase UK Hub
- Chase UK — Complete Guide — Everything about Chase UK in one place
- Chase UK Review 2026 — Full account review and verdict
Chase Features
- Chase UK Cashback Rules — How Chase’s 2026 cashback scheme works and what qualifies
- Chase UK Savings Account — Rates, rules, and how the linked saver works
- Chase UK ATM Withdrawal Limit — Daily cash limits explained
- Chase UK Transfer Limit — How much you can send
- Chase UK Travel Spending — Foreign fees, ATM limits, and fair use
- Can You Deposit Cash With Chase UK? — How to add money
- Is Chase UK FSCS Protected? — How your money is protected
Compare Accounts
- Best Current Accounts UK 2026 — How Chase compares to all options
- Monzo vs Starling vs Revolut — Digital bank comparison