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Chase UK review

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

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Our verdict

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.

Key facts

Best for
Keeping spending and savings in one app with no monthly fee and easy access.
Monthly fee
£0↗
Deposit protection
FSCS up to GBP 85,000↗
Currency conversion fee
0%↗
Legal entity
J.P. Morgan Europe Limited
Headquarters
United Kingdom↗
Support channels
Chat, Phone, Email, Help-centre↗
Pricing model
No monthly fee, Low FX fees
Features
Digital-only, No credit check
Official website
chase.co.uk

Savings

Headline rate
2.25%↗
Rate type
Variable↗
Minimum deposit
£0↗
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↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App Store

Pros and cons

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
  • No credit check to open, and the service runs through chat, phone and email

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
Chase UK

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Scored 9.6 / 10 by VaultCue.

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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

How Chase UK compares

Where Chase UK is available

Available
United Kingdom

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What interest does the Chase saver pay?+

The saver pays a headline rate of 2.25%, and the rate type is variable, so the figure can move. The account kind is easy access, meaning money stays available rather than being locked away. The minimum deposit is £0, so you can start small.

Do I need a current account to use the saver?+

Yes, the saver requires a Chase current account. The current account itself is digital-only, so there is no branch to visit when you sign up. Once both are open, they sit in the same app and you can move money between them.

Can I get cash or hold more than one account?+

The access terms are easy access, with on-demand withdrawals and no notice period, so you can take money out when you want. You can hold up to a set number of saver accounts within one current account. External transfers have a daily cap set by the provider.

Is a credit check needed to open the account?+

No credit check is part of the account features, so opening does not depend on your credit file. The account is opened and managed digitally, which keeps the sign-up short. Support afterwards runs through chat, phone and email.

Who does Chase UK suit?+

It fits people who want spending and saving in one place, with a £0 monthly fee and a 0% conversion fee. It also suits anyone who wants interest on easy-access savings at 2.25% rather than a fixed term. People who want a standalone savings product will need a different brand.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currencies.

Chase UK

Chase UK

Keeping spending and savings in one app with no monthly fee and easy access.

9.6/10See alternatives