Updated September 29, 2026 · VaultCue Editorial Team
Chase UK vs Mox Bank
Chase UK
Higher score in this comparison
Mox Bank
Where Chase UK and Mox Bank differ
| Compare | Chase UKReviewSee alternativesSee alternatives | Mox BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | £0 | HK$0 |
| Deposit protection | FSCS up to GBP 85,000 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 17 |
| Transfer fee | Not confirmed | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 |
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Key differences
- Chase UK scores higher overall: 9.6 vs 8.6.
- Support channels: only Chase UK offers Chat.
- Support channels: only Mox Bank offers Community.
- Features: only Chase UK offers No credit check.
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.
Mox Bank
Mox Bank suits readers who want a digital-only account that credits interest daily and moves money across several currencies, not the highest savings rate. The monthly fee on the easy access account is HKD 0, transfers carry fees of HKD 0, and the savings rate is 0.001%.
Score breakdown
| Area | Chase UK | Mox Bank |
|---|---|---|
| Cost | 9.4HigherMonthly fee of £0 and currency conversion fee of 0% rank first of 500 and 312 brands. | 9.1 |
| Offer | 9.8Higher | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. |
| Trust | Not confirmed | 8.1 |
How they place
| Ranking | Chase UK | Mox Bank |
|---|---|---|
| Savings accounts | 50 of 1420 | 559 of 1420 |
| Online banks | 15 of 402 | 190 of 402 |
Every fact side by side
| Fact | Chase UK | Mox Bank |
|---|---|---|
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Features | Digital only, No credit checkCovers more | Digital only |
| Legal entity | J.P. Morgan Europe Limited | Mox Bank Limited |
| Headquarters | United Kingdom | Hong Kong |
| Founded | Not confirmed | 2020 |
| Support channels | Chat, Phone, Email, Help centre | Email, Phone, Help centre, Community |
Savings
| Fact | Chase UK | Mox Bank |
|---|---|---|
| Headline rate | 2.25%Higher | 0.001% |
| Rate type | Variable | Variable |
| Minimum deposit | £0 | Not confirmed |
| 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 | Interest credited daily to the Mox Account; savings balance usable for daily purchases |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Chase UK | Mox Bank |
|---|---|---|
| Delivery time | Not confirmed | 20 seconds to 1 week |
| Payout methods | Not confirmed | Bank, Wallet |
| Fee to send 1,000 | Not confirmed | HK$0 |
Where each stands against the rest
| Fact | Chase UK | Mox Bank | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | Not confirmed | 17highest quarter | 5 |
Median across 536 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
Mox Bank
Pros
- A monthly fee of HKD 0 on the account, with a no monthly fee and low fx pricing model.
- Transfer fees of HKD 0 on Express Remit transfers, paying out to bank and wallet.
- Interest is credited daily and the savings balance is usable for daily purchases.
Cons
- The savings rate of 0.001% sits far under the 3% common across the accounts compared here.
- The service is digital only, so everything runs through the app rather than a branch.
- Transfers can take 20 seconds to 1 week to arrive.
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
Mox Bank
Who it suits
- People who want the same balance to cover daily spending and savings, with interest credited daily.
- Readers who send money abroad regularly and value transfer fees of HKD 0.
- Anyone banking entirely in an app across 17 currencies.
Who should look elsewhere
- Anyone chasing a high savings rate, since AXI Card Tarjeta y Credito shows 21.59%.
- Readers who want more from a savings product: PayPal Colombia lists 3.3%.
- Plazo ES suits people who prefer a headline rate of 24.19% over daily crediting.
Current offers
Mox Bank
Current offer
Bonus
Mission Bonus Rate: Up to 3.5% p.a. on deposit
Stacking missions; see Mission Bonus Rate Promotion (2026) Terms and Conditions
Source, checked September 26, 2026
Bonus
Mox Payroll: 1.5% p.a. savings top up
Set payroll with Mox; see Payroll Transfer Promotion Terms and Conditions
Source, checked September 26, 2026
Country by country
| Country | Chase UK | Mox Bank |
|---|---|---|
| Hong Kong | No | Yes |
| United Kingdom | Yes | No |
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.
Mox Bank
What does Mox Bank charge to keep an account open?+
The account carries a monthly fee of HKD 0, and the pricing model is no monthly fee and low fx. That matches the €0 median monthly fee across the accounts compared here, which leaves the account among the cheapest digital banks to hold.
How much interest do I earn on Mox savings?+
The headline rate is 0.001% and the rate type is variable, so the return can move rather than staying fixed for a term. Interest is credited daily to the Mox Account, and the savings balance can be spent on everyday purchases. Readers shopping for yield should compare the 3% median here.
Other options to compare
Other matchups
Related by the facts
Chase UK
Mox Bank