{"id":374916,"date":"2021-09-22T14:50:39","date_gmt":"2021-09-22T13:50:39","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=374916"},"modified":"2026-03-24T15:20:12","modified_gmt":"2026-03-24T15:20:12","slug":"chase-digital-bank-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review","title":{"rendered":"Chase digital bank review: Free account with cashback"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.chase.com\/\" class=\"luna-button luna-button--primary\">Return to Chase<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><p>Since launching in 2021 Chase has set itself up in the UK as the rewarding bank with 1% cashback and linked savings accounts paying boosted rates of interest. Taking on the likes of <a href=\"https:\/\/www.finder.com\/uk\/monzo-review\">Monzo<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/starling-bank-review\">Starling<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/revolut-review\">Revolut<\/a> it needed to offer something that made it stand apart. Its cashback on everyday spending, among other perks, has certainly turned heads with 2 million customers opening accounts in the first 2 years.<\/p><h3>How we scored Chase<\/h3><table id=\"chase\" class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">App rating<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Chase scores highly across the App Store and Google Play.<\/td><\/tr><tr><th scope=\"row\">Monthly fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Chase is free to use, with no monthly fee.<\/td><\/tr><tr><th scope=\"row\">Transaction fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>There are no transaction fees with Chase.<\/td><\/tr><tr><th scope=\"row\">Overseas fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Chase has no fees for using your card abroad.<\/td><\/tr><tr><th scope=\"row\">Customer service<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Chase scored highly in the Finder Customer Satisfaction Survey.<\/td><\/tr><tr><th scope=\"row\">Green credentials<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>Chase\u2019s score was low due to its poor operational emissions and its exposure to fossil fuels.<\/td><\/tr><tr><th scope=\"row\">Account access<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Chase supports most account management, but there is no branch or desktop access.<\/td><\/tr><tr><th scope=\"row\">Payment features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>There is no option to pay in cash or cheques or make\/receive international payments.<\/td><\/tr><tr><th scope=\"row\">Extra features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>Extra features include savings pots, a separate savings account and a round-ups feature.<\/td><\/tr><\/tbody><\/table><h3>What is Chase?<\/h3><p>Chase is one of the UK\u2019s newest challenger banks, having launched in September 2021. Chase is one of the largest consumer banks in the US and is part of the American banking giant JPMorgan Chase, which announced in January 2021 that it had plans to launch a digital bank in the UK, operating under the Chase brand.<\/p><p>In just 2 years Chase has launched <a href=\"https:\/\/www.finder.com\/uk\/chase-saver-account-review\">savings accounts<\/a> and now offers investing services with <a href=\"https:\/\/www.finder.com\/uk\/nutmeg-review\">Nutmeg<\/a>, a UK wealth manager that is part of the JP Morgan group. Note that products provided by Nutmeg are not guaranteed by Chase. But first up is its digital current account.<\/p><h3 id=\"features\">What are the features of the Chase current account?<\/h3><p>This is what you can expect from Chase\u2019s digital-only current account:<\/p><ul><li><strong>No monthly fees.<\/strong> There are no fees for opening or operating this account.<\/li><li><strong>Fee free spending and cash withdrawals abroad.<\/strong> There are also no charges for using your Chase card to make purchases or take out cash at ATMs overseas. Handy for all you keen travellers out there. Just bear in mind that merchants and ATM operators may add their own additional charges.<\/li><li><strong>Direct debits.<\/strong> You can now set up direct debits to be paid from your Chase account and manage them in the app.<\/li><li><strong>Cashback on debit card spending.<\/strong> You can receive 1% cashback on eligible debit card spending (max \u00a315 per month), including groceries, everyday transport, fuel and electric charging. After the first 12 months, you must pay in \u00a31,500 per month to qualify.<\/li><li><strong>Interest on savings generated by the \u201cround-up\u201d feature.<\/strong> You can round up your debit card transactions to the nearest pound, set the money aside in a linked round-up pot, and Chase will pay 5% AER interest (variable) on this amount. Every 12 months, the money you\u2019ve rounded up is transferred to your Chase current account or Chase saver account and you\u2019re free to start saving all over again.<\/li><li><strong>Linked saver account.<\/strong> Another feature that the bank has added since its initial launch is a linked Chase saver account. Here you can earn 4.5% AER (4.41% gross) variable interest daily (paid on a monthly basis). The account is easy access and there is no minimum opening balance.<\/li><li><strong>A numberless debit card.<\/strong> This helps to keep your card details safe (you can view your card number, expiry date and security code in the app if you need to).<\/li><li><strong><strong>Budgeting tools.<\/strong><\/strong> To help you manage your money via the mobile banking app.<\/li><li><strong>24\/7 customer support.<\/strong> Chase says that you can reach a customer service agent (no bots) at all hours of the day through its app.<\/li><li><strong>Breakdown cover and insurance.<\/strong> Chase launched a new add-on where customers can upgrade their account to include packaged options such as breakdown cover and travel insurance. We have <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-protect-review\">reviewed the add-on here<\/a>.<\/li><\/ul><p>You can\u2019t deposit cash or cheques into the account, and Chase does not yet offer overdrafts or joint accounts.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 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id=\"clip0_5290_9827\">\n          <rect width=\"18\" height=\"11.3684\" fill=\"white\" transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Is Chase cashback worth it?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"The Chase current account charges no account fee, yet you can still benefit from 1% cashback on your debit card purchases up to \u00a315 a month.<\/p><p>The drawback is that cashback is only available on certain purchases, and after the first 12 months, you must pay in at least \u00a31,500 a month to qualify. But there are plenty of other perks with this account, including access to a savings account, fee-free spending abroad, and a round-ups feature, where your spending is rounded up to the nearest \u00a31 and transferred to a savings pot paying 5% AER.<\/p><p>Most other cashback current accounts require you to pay a monthly fee, so this is worth keeping in mind. The Santander Edge account, for example, charges \u00a33 a month and in return, you can earn ongoing 1% cashback (up to \u00a310 a month) on household bills. You\u2019ll also get access to a savings account and fee-free spending abroad.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Rachel Wait's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" 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                                        <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" itemprop=\"url\" target=\"_blank\">\n                                Rachel Wait\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>How can I sign up to Chase?<\/h3><p>To open an account with Chase you can sign up by downloading its app from the App Store or Google Play Store. You need to be over 18, a resident of the UK and have a smartphone with the UK mobile number. You also need to be a tax resident of the UK.<\/p><p>Chase is now part of the Current Account Switch Service (CASS). This means you can switch to Chase and it will move all your payments over and transfer any positive balance from your old account.<\/p>\n        \n            <h3>What do customers say about Chase?<\/h3>\n        <p>97% of customers we <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-banks#best\">surveyed<\/a> in 2026 would recommend Chase to a friend.<\/p>\n        <p>It stands out for its straightforward, user-friendly app and attractive perks, particularly its cashback offering on everyday spending. Customers highly value the privacy and security of having no names or card details printed on the physical card. The linked savings account is also a major draw, though several users noted that the initially market-leading interest rates have become less competitive over time.<\/p>\n<p>Overall, it is viewed as a brilliant, smooth, and reliable digital banking option.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n    <div class=\"eeQuote box u-rounded--lg source-external type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                        <img decoding=\"async\" alt=\"Emily Reid's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/04\/Chase-case-study.jpg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" loading=\"lazy\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/04\/Chase-case-study.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/04\/Chase-case-study.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/04\/Chase-case-study.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\">\n                <\/figure>\n\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Case Study: Emily benefited from Chase's cashback offer and savings round-ups<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"My sister told me about the cashback rewards and it seemed like a no-brainer to sign up. Since opening the Chase account I\u2019ve used it as my day-to-day account, as well as a savings account. The rewards are the best I\u2019ve seen. I\u2019ve benefited so much from the cashback, and the saving round-ups have really helped me as well.<\/p><p><strong>If there\u2019s one thing you\u2019d tell a friend who\u2019s thinking of getting this, what would it be?<\/strong><\/p><p>Make sure you take advantage of all the rewards and the fee-free spending abroad.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <div class=\"eeQuote__authorName\">\n                        Emily Reid\n                                            <\/div>\n                                                    <div class=\"eeQuote__authorTitle\">Brentwood<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3>What does the Chase app look like?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase1.png\" alt=\"Chase app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase.png\" alt=\"Chase app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase2.png\" alt=\"Chase app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase2.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase2.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase2.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase2.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Chase2.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><\/div><h3>Is Chase bank and the app safe?<\/h3><p>A UK-based subsidiary of J.P. Morgan Europe Limited is licensed to operate the bank. J.P. Morgan Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.<\/p><p>Funds in your Chase account will be protected by the Financial Services Compensation Scheme (<a href=\"https:\/\/www.finder.com\/uk\/what-is-the-fscs\">FSCS<\/a>), which covers deposits of up to \u00a3120,000.<\/p><h3>Who\u2019s in charge of Chase in the UK?<\/h3><p>Kuba Fast is currently CEO of the digital UK bank. Sanoke Viswanathan previously led the UK branch.<\/p><p>The new venture is headquartered at Canary Wharf in London, and its customers are served by mulitple customer contact centres.                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                                                                                            \n            <\/p><h3 id=\"awardspanel\">Chase and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. Chase is one of these brands and has won multiple awards!<\/p>\n                    <ul>\n                                                                        <li>2025 Customer Satisfaction Award (Current Accounts)<\/li>\n                                                                                                <li>2024 Customer Satisfaction Award (Current Accounts)<\/li>\n                                                                <\/ul>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Alternatives to Chase<\/h3><p>Chase offers many of the same features that can be found on other digital banking apps. You can benefit from savings round-ups, fee-free spending abroad (although additional merchant fees may apply) and linked savings accounts. What makes Chase stand out from its competitors is its cashback offer and numberless debit cards designed to keep your information safe.<\/p><p>If you are interested in learning more about how Chase stacks up against other digital banking apps, we have written dedicated guides for <a href=\"https:\/\/www.finder.com\/uk\/chase-vs-monzo\">Chase vs Monzo<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/chase-vs-starling\">Chase vs Starling<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/chase-vs-revolut\">Chase vs Revolut<\/a>.<\/p><h3>Customer service information for Chase<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_472437938\" data-toggle=\"collapse\" data-target=\"#sources_472437938\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_472437938\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.fscs.org.uk\/\" target=\"_blank\">Financial Services Compensation Scheme<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Chase&#8217;s current account offers cashback and boosted savings rates. Find out more about one of the UK&#8217;s newest digital banks. <\/p>\n","protected":false},"author":867,"featured_media":153549,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[2562,2560],"asset_tag":[],"class_list":["post-374916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts","tag-finance-homepage-news","tag-latest-2"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Chase digital bank review: Card and app review<\/title>\n<meta name=\"description\" content=\"Chase&#039;s current account offers cashback and boosted savings rates. Find out more about one of the UK&#039;s newest digital banks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chase digital bank review: Free account with cashback\" \/>\n<meta property=\"og:description\" content=\"Chase&#039;s current account offers cashback and boosted savings rates. 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