If you’re on the hunt for an app-based bank account that helps you save on fees while abroad, you might be weighing up the pros and cons of Revolut and Chase.
Revolut was established in 2015 and has become known for making it easy to exchange and send foreign currency. Chase, which is owned by global finance giant JPMorgan, launched in the UK in 2021 and its current account has proven popular for its perks such as cashback.
So how do you choose between these rivals? We’ve compared them both below to help you decide.
Revolut's £20 sign-up bonus for new accounts
Revolut is currently offering a £20 sign-up bonus when you open a new account, making it a strong sign-up incentive compared with any other provider.
With Revolut’s free Standard account, you’ll get a blue-ish, pink-ish payments card, while Chase’s only (and also free) current account comes with a blue numberless debit card, with your details stored on the app so only you can see them.
Neither provider has high-street branches (Chase only has branches in the US), but you can use your card to withdraw cash at ATMs. There’s no overdraft available on either the Revolut or Chase account, and you won’t earn interest on your balance either. However, both providers offer savings options.
Both Revolut and Chase have UK banking licences. This means that your money will be protected by the the Financial Services Compensation Scheme (FSCS), which covers deposits of up to £120,000 per person.
Chase and Revolut were neck and neck in our independent 2026 Customer Satisfaction Awards, with 97% of customers of each bank saying they would recommend it to a friend.
Finally, Revolut currently runs a number of welcome promotions including a sign-up bonus for new customers where if you open an account, you can receive £20.
Round 1: App features
Visual breakdown of spending
Spending categories
N/A
Customisable
Set spending budgets
Set up direct debits in the app
Top up via bank transfer
Have salary paid in
Separate savings accounts
Round-ups
Customer service via the app
Customer service via a telephone line
Cheque scanning
Freeze/unfreeze card in app
Send money abroad
Fee for sending money abroad
International payments unavailable
Free in SEPA region, between 30p and £5 to send elsewhere
Both Revolut and Chase mobile banking apps give you a visual breakdown of spending, but while Revolut will categorise your transactions and let you set spending limits, Chase won’t.
The 2 companies both offer a round-up service, where your purchases are rounded up to the nearest £1 and then automatically saved for you. With Revolut, you can set up different savings Vaults to save for different goals and earn interest of up to 4.5%. Chase’s round-up account pays a competitive interest rate of 5% AER. However, after a year, your money will be moved to your current account.
One perk of using Revolut is that you can convert currency before you travel, which means you might be able to take advantage of favourable exchange rates. Chase doesn’t offer a currency exchange service.
Your salary can be paid into either your Revolut or Chase account and you can also set up direct debits. You can contact customer service teams through in-app chats and freeze and unfreeze your card. Revolut’s app also enables you to send international payments, whereas Chase doesn’t.
Winner: Revolut. It’s close and both have a lot to offer, but Revolut will categorise your transactions and allow you to send money abroad.
Spending on both the Revolut and Chase cards is free in the UK and both cards come with the standard contactless limit of £100.
You can also add your Revolut or Chase card to Apple Pay and Google Pay. Chase also supports Samsung Pay.
New Chase customers can also earn 1% cashback on their spending (up to £15 per month) with no minimum deposit requirement for the first 12 months. After this period, you’ll only continue to earn cashback if you pay a minimum of £1,500 into your account each month.
With Revolut, you can make free ATM withdrawals of up to £200 a month in either the UK or abroad, across a maximum of 5 withdrawals. After this, you’ll pay a 2% fee. In comparison, Chase has an ATM withdrawal limit of £500 a day which applies in the UK and abroad.
Winner: Chase, with its cashback and higher cash withdrawal limit.
Revolut lets you spend on your card fee-free on weekdays at the interbank exchange rate in more than 30 currencies. But you’ll be charged a markup of 1% on weekends. Foreign transactions are also limited to £1,000 a month, after which a 1% fee applies, and cash withdrawals are limited to £200 a month (there’s a 2% fee after that).
Chase uses the Mastercard exchange rate when paying in the local currency and there are no fees or limits for spending abroad. Foreign ATM withdrawals are free, but there is a limit of £1,500 per calendar month – you will not be able to withdraw anything over this. There’s also a daily withdrawal limit of £500 per day.
Winner: Chase. You’ll get unlimited spending limits abroad, plus a higher ATM withdrawal limit. There are no fees either.
One of the main perks of Chase over Revolut is its cashback offer, but make sure you pay enough into the account each month to qualify.”
Revolut and Chase both offer free accounts. Chase only offers one type of current account, but you can have up to 20 accounts open at once with a maximum of 10 savings accounts.
In comparison, Revolut has a range of bank accounts: its standard account is free but it has 4 accounts that come with extra perks in exchange for a monthly fee.
On top of this, Revolut offers a junior account for kids, which is controlled by parents, as well as a joint account and a business account. Note that Chase doesn’t offer a joint account option.
Winner: Revolut, thanks to its wider range of accounts.
You can apply for both the Revolut and Chase accounts through their respective mobile apps in just a few minutes. Revolut will ask you to submit a selfie along with your ID and some personal details.
To open a Chase account, you will need to be 18 years or over, a resident of the UK only, have a smartphone and a UK mobile number and be a tax resident of the UK.
Winner: Tie. The opening process is similarly easy for both accounts.
Round 6: Customer reviews
On reviews site Trustpilot, Chase has a score of 3.5 out of 5 from over 14,800 reviews. Revolut has a score of 4.7 out of 5 from over 376,000 reviews. These were checked in March 2026.
Customers said Chase was easy to use, but some think that the deposit required to earn ongoing cashback is too high.
Revolut also got praise for its ease of use, though some users complained about their accounts or transactions being frozen while they were under review.
Winner: Revolut performs better overall here.
Overall winner: Is Chase better than Revolut?
It’s pretty close between them, but Revolut wins 3-2 out of all the categories. They are both competitive options if you want an app-based bank account that helps you manage your spending on the go.
Chase beats Revolut in terms of offering cashback for the first 12 months and unlimited fee-free spending abroad.
On the other hand, if you prefer an account that has a greater range of app features and account types, as well as giving you the option of sending money abroad, you might prefer to look at Revolut.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.
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