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 charge to be aware of is the 1.5% fee on foreign ATM withdrawals above the £500/month free allowance.
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 |
| Inactivity fee | None |
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 |
| Third-party ATM access fee | Varies by ATM operator (£0–£2.00) |
Note: Some ATMs — particularly in convenience stores, petrol stations, and nightclubs — charge their own access fee of £1.50–£2.00. 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 — up to £500/month | £0 |
| Foreign ATM withdrawal — above £500/month | 1.5% on the excess |
| Dynamic currency conversion (DCC) | Avoid — applied by merchant, not Chase |
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)
- Standing orders and direct debits
- Using Apple Pay or Google Pay
- Card replacement
- In-app support
The One Fee to Watch
The only regular fee most Chase customers encounter is the 1.5% foreign ATM fee above £500 per calendar month.
For typical holiday use, £500 in ATM withdrawals per month is generous. If you withdraw more:
- £600 abroad in one month: £500 free + 1.5% of £100 = £1.50 fee
- £800 abroad in one month: £500 free + 1.5% of £300 = £4.50 fee
- £1,000 abroad in one month: £500 free + 1.5% of £500 = £7.50 fee
These are small amounts in the context of a holiday. The fee only becomes significant if you are withdrawing very large amounts of cash abroad regularly. 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 (free) | Starling | Barclays |
|---|---|---|---|---|
| Monthly fee | £0 | £0 | £0 | £0 |
| Foreign spending | £0 | £0 | £0 | 2.99% |
| Foreign ATM (free allowance) | £500/month | £200/month | Unlimited* | None |
| Foreign ATM fee above limit | 1.5% | 3% | — | 2.99% + £1.50 |
| Overdraft | N/A | Available | Available | Available |
*Starling has a fair use policy on foreign ATM withdrawals.
Chase is among the cheapest accounts on the market — particularly for travel use. Its only meaningful disadvantage versus Starling is the monthly foreign ATM cap (Starling has no published monthly limit).
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 scenarios where you would pay a fee:
- You withdraw more than £500 from foreign ATMs in a single calendar month — fee is 1.5% on the excess, which is modest
- You use a fee-charging ATM in the UK — the fee is charged by the ATM operator, not Chase, and is avoidable
If you are looking for a fee-free everyday account that also earns interest on your balance, Chase UK’s fee structure is one of the cleanest available in the UK in 2026.
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 1% cashback 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