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Chase UK Review 2026

Best for: Cashback • Savings • Traveling

9.4
Excellent
Trustpilot: 4.0/5

FSCS Protected

Chase is part of JP Morgan Europe Limited. Your deposits are protected up to £85,000 via the FSCS.

The Most Generous Neobank

When Chase launched in the UK, it did so with a massive splash. Backed by the financial might of JP Morgan, it offers rewards that most UK banks (digital or otherwise) simply can't match.

Cashback Everywhere

The headline feature is 1% cashback on all eligible debit card spending for your first year. Whilecapped at £15/month for most users, it's effectively "free money" for doing what you'd do anyway. They also offer a roundup account with 5% interest.

A Better Savings Account

The Chase Saver account is consistently one of the most competitive easy-access accounts in the UK. You can open multiple saver accounts and name them individually, all within the main app.

Pros & Cons

Pros

  • 1% Cashback: Hard to beat for daily spending.
  • Top Savings Rates: Highly competitive easy-access saver.
  • Numberless Card: Safer physical card (details are in-app).
  • Zero Fee Travel: Use anywhere in the world with no fees.

Cons

  • No Desktop App: App-only experience.
  • Limited Switching: No Current Account Switch Service support early on.
  • Pending Transactions: App can sometimes be slow to update balances.

Best For

💰

Cashback Hunters

If you want rewards for your daily morning coffee and grocery shop, this is the one.

📈

Savers

Effortlessly move money between your current and high-interest savings account.

🌍

International Travelers

Free ATM withdrawals abroad and 1% cashback on your holiday spending.

Rating Breakdown

Rewards & Value 10/10
App Experience 8.8/10
Savings Rates 9.5/10
Safety & Support 9.0/10

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