Updated September 28, 2026 · VaultCue Editorial Team
Chase UK vs Current
Current
Chase UK
Higher score in this comparison
Chase UK vs Current: the differences
| Compare | Chase UKReviewSee alternativesSee alternatives | CurrentReviewVisitVisit |
|---|---|---|
| Monthly fee | £0 | $0 |
| Deposit protection | FSCS up to GBP 85,000 | FDIC up to USD 250,000 |
| Currency conversion fee | 0%Lower | 3% |
| Local account details | Not confirmed | Us ACH |
| Free ATM withdrawals | Not confirmed | $0 |
| Transfer fee | Not confirmed | $0 - no bank transfer fees |
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.
- Currency conversion fee is lower at Chase UK: 0% vs 3%.
- Support channels: only Chase UK offers Phone.
- Pricing model: only Chase UK offers Low FX.
- Features: only Current offers Free ATM.
Our verdict on each
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.
Current
Current is a set-aside account for a teen in the US who wants a pot they can reach from the phone. The minimum deposit is $0.01 and the variable rate runs 0.25% to 4%, so the pay on savings can move as the provider adjusts it.
Score breakdown
| Area | Chase UK | Current |
|---|---|---|
| Cost | 9.4HigherMonthly fee of £0 and currency conversion fee of 0% rank first of 500 and 312 brands. | 9.1Monthly fees on the easy-access account run at $0, transfers cost $0 - no bank transfer fees and conversion 3%. |
| Offer | 9.8Higher | 8.7 |
Positions in our rankings
| Ranking | Chase UK | Current |
|---|---|---|
| Savings accounts | 50 of 1420 | 27 of 1420 |
| Online banks | 15 of 402 | 10 of 402 |
Availability and regulation
| Country | Chase UK | Current |
|---|---|---|
| United States | Not confirmed | NMLS 2533115 |
Additional countries for Chase UK: 1. Additional countries for Current: 1.
Every fact side by side
| Fact | Chase UK | Current |
|---|---|---|
| Audience | Not confirmed | Teen |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Digital only, No credit check | Free ATM, Digital only, No credit checkCovers more |
| Legal entity | J.P. Morgan Europe Limited | Finco Services, Inc. dba Current |
| Headquarters | United Kingdom | United States |
| Support channels | Chat, Phone, Email, Help centreCovers more | Chat, Email, Help centre |
Savings
| Fact | Chase UK | Current |
|---|---|---|
| Headline rate | 2.25% | 0.25% to 4%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | £0 | $0.010 |
| 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 | Savings Pods accessible on demand in the mobile app, no notice period, up to three pods |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | Chase UK | Current | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 3%highest quarter | 0.5% |
| Free ATM withdrawals | Not confirmed | $0at the median | $0 |
Median across 377 listed accounts.
Pros and cons
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
Current
Pros
- Deposits are covered by FDIC up to USD 250,000, which is the detail a new saver should check.
- The stated audience is teen, and the account kind is easy access.
- Pods open on demand in the mobile app with no notice period, so a set-aside stays flexible.
Cons
- The 0.25% to 4% range has a low floor, so a pod can earn very little for stretches.
- Support runs on chat, email and help centre, so there is no phone line for urgent questions.
- Currency conversion costs 3%, which makes it a weak base for holding travel money.
Who each suits
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
Current
Who it suits
- A teen in the US starting to set money aside, since the stated audience is teen.
- Anyone happy to manage saving in the app, since pods run on demand with no notice period.
- US savers paid in dollars, with transfers moving over us ach.
Who should look elsewhere
- Plazo ES, whose headline rate of 24.19% sits well above the 0.25% to 4% range here.
- AXI Card Tarjeta y Credito, listed at 21.59% if a higher headline number is the goal.
- PayPal Colombia, listed at 3.3%, for anyone shopping only on the headline rate.
Current offers
Current
Current offer
Bonus
1% cash back on eligible Build Card purchases: 1% cash back
To earn Points you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period and make Build Card purchases at retailers whose merchant code is in the selected categories in the app; points expire 365 days after they settle
Source, checked September 26, 2026
Country by country
| Country | Chase UK | Current |
|---|---|---|
| United Kingdom | Yes | No |
| United States | No | Yes |
Questions about each
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.
Current
What does it cost to run a Current account?+
The monthly fee is $0 and the model is no monthly fee, so there is no standing charge to watch. Bank transfers are listed as $0 - no bank transfer fees. The cost that does apply is currency conversion at 3%, which matters if money is held or spent in another currency.
How do I move money in and out?+
Transfers run over us ach, so money moves through the US system. Bank transfers carry $0 - no bank transfer fees, and the minimum deposit is $0.01, so a small transfer is enough to open a pod and add to it later.
Other options to compare
Other matchups
- Chase UK vs Cake by VPBank
- Current vs Fio banka
- Current vs Kroo
- Current vs ZA Bank
- Current vs Mercado Pago
- Current vs Monese
- Current vs Daviplata
- Current vs TARGOBANK
- Current vs ZEN.COM
- Current vs Lunar
- Current vs Tomorrow
- Current vs DKB (Deutsche Kreditbank)
- Chase UK vs bunq
- Chase UK vs Qonto
- Current vs Qonto Portugal Business Account
- Current vs Pixpay FR
- Current vs Monzo
- Current vs Revolut AU
- Current vs Revolut UK
Related by the facts
Current
Chase UK