Updated September 28, 2026 · VaultCue Editorial Team
bunq vs Chase UK
bunq
Chase UK
Higher score in this comparison
What sets them apart
| Compare | bunqReviewVisitVisit | Chase UKReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.01%Higher | 2.25% |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | Easy access; on-demand withdrawals, no notice period, up to 10 saver accounts, GBP 25,000 max daily external transfer; Chase current account required |
| Monthly fee | €0 | £0 |
| Minimum deposit | Not confirmed | £0 |
Same on both: Rate type (Variable), Account kind (Easy access).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Chase UK scores higher overall: 9.6 vs 8.9.
- bunq is available in 6 more countries.
- Headline rate is higher at bunq: 3.01% vs 2.25%.
- Support channels: only Chase UK offers Phone.
- Pricing model: only Chase UK offers Low FX.
Our verdict on each
bunq
bunq suits savers who want an easy-access euro account that costs nothing to keep and pays a variable rate with weekly interest, protected by an EU guarantee. The rate of 3.01% is solid rather than remarkable, and support runs on email, chat and help centre only.
Chase UK
Chase UK suits people who want a current account and savings in one app, with a monthly fee of £0 and a currency conversion fee of 0%. The saver pays 2.25% at a variable rate with easy access, and a Chase current account is required to hold it.
Score breakdown
| Area | bunq | Chase UK |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.4HigherMonthly fee of £0 and currency conversion fee of 0% rank first of 500 and 312 brands. |
| Offer | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. | 9.8Higher |
| Trust | 8.7 | Not confirmed |
Where each is licensed and available
| Country | bunq | Chase UK |
|---|---|---|
| Belgium | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Netherlands | Not confirmed | |
| Spain | Not confirmed |
Additional countries for bunq: 7. Additional countries for Chase UK: 1.
Positions in our rankings
| Ranking | bunq | Chase UK |
|---|---|---|
| Savings accounts | 6 of 1420 | 50 of 1420 |
| Online banks | 3 of 402 | 15 of 402 |
Pick bunq if, pick Chase UK if
Pick bunq if headline rate matter most.
Pick Chase UK if cost and offer matter most.
Also worth a look
eToro has headline rate at 3.8%, against 3.01% for bunq and 2.25% for Chase UK.
eToro reviewWhere these facts come from
bunq
- bunq.com: 5 facts, checked September 26, 2026
- help.bunq.com: 4 facts, checked September 26, 2026
- dnb.nl: 1 fact, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Chase UK
- chase.co.uk: 9 facts, checked September 26, 2026
- top8neobanks.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | bunq | Chase UK |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Legal entity | bunq B.V. | J.P. Morgan Europe Limited |
| Headquarters | Netherlands | United Kingdom |
| Founded | 2012 | Not confirmed |
| Support channels | Email, Chat, Help centre | Chat, Phone, Email, Help centreCovers more |
Everyday accounts
| Fact | bunq | Chase UK |
|---|---|---|
| Currency conversion fee | 3% | 0%Lower |
| Audience | Expats, Travelers, Business, Student | Not confirmed |
| Features | Joint account, Digital only | Digital only, No credit check |
| Local account details | IBAN | Not confirmed |
Where each stands against the rest
| Fact | bunq | Chase UK | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | 2.25%below the median | 3.25% |
| Minimum deposit | Not confirmed | £0below the median | £1 |
Median across 658 listed accounts.
Pros and cons
bunq
Pros
- The monthly fee is €0 and the pricing model is no monthly fee, so keeping the account open costs nothing each month.
- Interest is paid weekly and the rate type is variable, so money keeps earning between withdrawals without a term to serve out.
- Balances are covered by EU DGS up to EUR 100,000, so there is a payout route if the provider fails.
Cons
- The rate type is variable, so the return follows the base rate and the account ranks 240 of 473 brands on the headline rate.
- Support runs on email, chat and help centre only, which leaves phone callers with a narrower route in.
- Features list joint account and digital only, so the service is digital only and there is no branch counter.
Chase UK
Pros
- No monthly fee on the current account, at £0
- Currency conversion fee of 0%, first of 312 brands
- Savings pays 2.25% at a variable rate, variable, with easy access and no notice period
Cons
- The savings account needs a Chase current account, so it cannot stand alone
- The saver rate is variable, so it moves with the Bank Rate and is not locked in
- Support runs through chat, phone and email only, and the service is digital-only
Who each suits
bunq
Who it suits
- People who want an easy-access euro account that pays interest weekly and costs nothing to hold.
- Travellers and expats, part of the expats, travelers and business bunq targets, who convert currency and want a local IBAN.
- Students and savers who value EU DGS up to EUR 100,000 over a higher rate.
Who should look elsewhere
- Anyone chasing a top fixed rate, since 24.19% at plazo pays far more.
- Customers who need a phone helpline, as support runs on email, chat and help centre only.
- Anyone wanting a branch counter, because features list joint account and digital only and the service is digital only.
Chase UK
Who it suits
- People in the UK who want one app for current account and savings
- Savers who want easy access rather than a fixed term
- Anyone who spends in other currencies and wants a low conversion fee
Who should look elsewhere
- Anyone wanting a standalone savings account, since a Chase current account is required
- Savers who want a fixed rate, since the rate is variable
- People who prefer in-person service, since the service is digital-only
Country by country
| Country | bunq | Chase UK |
|---|---|---|
| Belgium | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
| United Kingdom | No | Yes |
Questions about each
bunq
What does bunq charge to keep a savings account?+
The monthly fee is €0 and the account is priced on a no monthly fee basis, so there is no recurring charge to keep it open. The one cost to watch when you spend abroad is currency conversion at 3% on the free plan. Interest is still paid weekly with no fee deducted.
How much interest does the account pay?+
The rate is 3.01% and the rate type is variable, so the figure follows the base rate instead of being fixed to a term. Across the savings accounts on the site, the median headline rate is 3%, which puts bunq near the middle. Interest is credited weekly rather than monthly.
Chase UK
What does Chase UK cost to run?+
The current account carries a monthly fee of £0, so day to day banking costs nothing in fees. The currency conversion fee is 0%, ranking first of 312 brands. There is no separate charge listed for the savings account either.
How is my money protected?+
Deposits sit under the FSCS up to GBP 85,000. The account is provided by J.P. Morgan Europe Limited, which is headquartered in the United Kingdom. The same legal entity backs both the current account and the saver, so that protection figure applies across the relationship.
Other options to compare
Other matchups
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bunq
Chase UK