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Chase UK review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Chase UK suits people who want a travel debit card and a savings pot in one place, with a monthly fee of £0 and a currency conversion fee of 0%. It also suits anyone happy to keep a Chase current account open, since the saver is an add on.

Key facts

Best for
A fee free travel debit card with a savings rate attached
Monthly fee
£0↗
Currency conversion fee
0%↗
Free ATM withdrawals
£1,500↗
Card type
Debit↗
Cashback rate
2%↗
Card network
Mastercard↗
Legal entity
J.P. Morgan Europe Limited↗
Headquarters
United Kingdom↗
Founded
2021↗
Support channels
Help-centre, Email↗
Features
Multi-currency, Travel
Official website
chase.co.uk

Savings

Headline rate
2.25%↗
Rate type
Variable↗
Minimum deposit
£0↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
Easy access; on-demand withdrawals, no notice period, up to 10 saver accounts, GBP 25,000 max daily external transfer; Chase current account required↗
Account kind
Easy access↗
Pricing model
No monthly fee

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
XLinkedInTrustpilot

Pros and cons

Pros

  • Monthly fee of £0 and a currency conversion fee of 0% on the same account.
  • A free ATM allowance of £1,500 plus cashback of 2% on card spending.
  • Deposit protection of FSCS up to GBP 85,000 alongside a variable rate of 2.25% on the saver.

Cons

  • Support is limited to help centre and email, with no phone channel in the list.
  • The saver only runs alongside a Chase current account, so the 2.25% rate comes as part of a package.
  • The 2.25% rate is variable and below the site median of 3%, so returns can slip.
Chase UK

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • People who travel often and want spending with no monthly charge, plus £1,500 of free ATM withdrawals.
  • Anyone with a spare balance who wants a variable rate of 2.25% and a minimum deposit of £0.

Who should look elsewhere

  • Wise, if converting money is the main job rather than spending abroad, given its 0.1% conversion fee.
  • bunq, whose monthly fee of €0 is priced in euros and suits euro account holders rather than savers in pounds.
  • Varo Believe Secured Credit Card, if a secured credit card is what you want rather than a debit card with a savings pot.

Fees and FX

The Chase UK current account and its debit card carry a monthly fee of £0, so keeping the account open adds nothing in charges. Converting what you spend in another currency costs 0%, which keeps a foreign purchase close to the exchange rate instead of adding a conversion margin. Together they make travel spending and everyday money cheap to hold.

The company behind it

The legal entity behind Chase UK is J.P. Morgan Europe Limited, with a home base in GB and a founding year of 2021. Support runs on help centre and email, so day to day help is written rather than spoken, which suits people who would rather keep a record of what was agreed.

How Chase UK compares

Where Chase UK is available

Available
United Kingdom

Countries from the brand (checked September 26, 2026)

Frequently asked questions

What does Chase UK cost to hold and spend?+

There is a monthly fee of £0 on the account and a currency conversion fee of 0% on the debit card, so nothing is added for everyday spending or for buying in another currency. The card also pays cashback of 2% on what you spend.

How much interest does the Chase saver pay?+

The saver pays a headline rate of 2.25%, and the rate is variable rather than fixed, so the amount you earn can move. It sits below the site median of 3% for savings, and there is a minimum deposit of £0 to meet.

Is my money protected?+

Deposit protection is FSCS up to GBP 85,000, so eligible balances sit under the FSCS protection scheme rather than with the bank on its own. The account is provided by J.P. Morgan Europe Limited, the legal entity listed for the brand in the UK.

How much cash can I withdraw for free?+

The free ATM allowance is £1,500, well above the site median of €0 for this kind of card. The card is a debit card on the mastercard network, so you can take cash out at any machine that accepts it.

Do I need a current account for the saver?+

A Chase current account has to be open before you can hold the saver, so this is a second pot rather than a standalone savings account. The saver is easy access, takes a minimum deposit of £0 and pays withdrawals on demand with no notice period.

Who is behind Chase UK?+

The legal entity is J.P. Morgan Europe Limited, based in the United Kingdom and founded in 2021. It is a recent arrival in UK banking, so its UK record is short and the name behind it carries more weight with readers than the history does.

How do I get help?+

Support runs on help centre and email, so a help centre and email are the listed ways to reach the team, with no phone channel in that list. Questions about transfers, interest or the card are handled in writing, which suits people who like a written record.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Chase UK

Chase UK

A fee free travel debit card with a savings rate attached

8.9/10See alternatives