{"id":458011,"date":"2022-07-19T14:26:14","date_gmt":"2022-07-19T13:26:14","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=458011"},"modified":"2026-04-01T15:52:31","modified_gmt":"2026-04-01T14:52:31","slug":"chase-vs-starling","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/chase-vs-starling","title":{"rendered":"Chase vs Starling"},"content":{"rendered":"

There are lots of similarities between Starling<\/a> and Chase<\/a>: they\u2019re both app-based banks that offer current accounts that are loaded with perks, including \u2013 with Chase \u2013 cashback on spending.<\/p>

So, how do you choose between these 2 rivals? We take a look at some of their similarities and differences to help you decide.<\/p>

Vital statistics<\/h3>
\n \n
<\/th>\"Chase<\/a><\/td>\"Starling<\/a><\/td><\/tr>
Finder score<\/th>8.2<\/span><\/span>Great<\/span><\/span><\/td>9.6<\/span><\/span>Excellent<\/span><\/span><\/td><\/tr>
Customer satisfaction survey<\/th>4.3 <\/span>
\u2605\u2605\u2605\u2605\u2605<\/div><\/td>
4.4 <\/span>
\u2605\u2605\u2605\u2605\u2605<\/div><\/td><\/tr>
Free spending abroad<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Arranged overdraft<\/th>No overdrafts<\/td>15%, 25% or 35% EAR<\/td><\/tr>
Representative example<\/th>N\/A<\/td>If you use an arranged overdraft of \u00a31,200, you'll be charged interest at 15% EAR variable.<\/td><\/tr>
Interest when you're in credit<\/th>0%<\/td>0%<\/td><\/tr>
Branch access<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
FSCS protected<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Sign-up bonus<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Amount<\/th>N\/A<\/td>N\/A<\/td><\/tr>
Product image<\/th>
\"Chase\"<\/td>		\"Starling\"<\/td><\/tr>
Find out more<\/th>
See account<\/a>
Read review<\/a><\/div><\/td>
See account<\/a>
Read review<\/a><\/div><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

With Chase\u2019s free (and only) current account, you\u2019ll get a blue numberless debit card, with your details stored on the app so only you can see them. Starling\u2019s free (and only) current account comes with a teal-coloured vertical card. <\/p>

Neither bank has branches (Chase only has branches in the US), but Starling lets you deposit money into your account at Post Office counters, which isn\u2019t possible with Chase. While Starling lets you cash cheques using the app, Chase doesn\u2019t. Both banks let you withdraw money from ATMs. <\/p>

Both Starling and Chase offer a linked savings account, with Chase\u2019s account paying 4.5% AER for the first 12 months. <\/p>

Starling has a UK banking licence and Chase is a subsidiary of JPMorgan which is authorised by the Prudential Regulation Authority (PRA) and regulated by the FCA and the PRA. In both cases, this means that your money will be protected by the Financial Services Compensation Scheme<\/a> (FSCS) which covers deposits of up to \u00a3120,000 per person.<\/p>

There\u2019s no overdraft available on the Chase current account, but you can apply for one with Starling. The interest you\u2019re offered will depend on your personal circumstances and credit score, although Starling\u2019s overdraft interest rate scale starts at 15% EAR.<\/p>

In Finder\u2019s 2025 Banking Customer Satisfaction Awards<\/a>, 100% of respondents said they\u2019d recommend Chase to a friend, with 93% saying the same about Starling.<\/p>

Round 1: App features<\/h3>
\n \n
<\/th>\"Chase<\/a><\/td>\"Starling<\/a><\/td><\/tr>
Visual breakdown of spending<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Spending categories<\/th>Customisable<\/td>53<\/td><\/tr>
Set spending budgets<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Set up direct debits in the app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Top up via bank transfer<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Have salary paid in<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Separate savings accounts<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Round-ups<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Customer service via the app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Customer service via a telephone line<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Cheque scanning<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Freeze\/unfreeze card in app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Send money abroad<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Fee for sending money abroad<\/th>International payments unavailable<\/td>Local network fee + 0.4% Starling fee<\/td><\/tr>
Find out more<\/th>
See account<\/a>
Read review<\/a><\/div><\/td>
See account<\/a>
Read review<\/a><\/div><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

You\u2019ll find some similarities between the Chase and Starling mobile banking apps, but Starling\u2019s has a little more to offer. Both give you a visual breakdown of spending, but with Starling your transactions will be automatically placed into pre-set categories such as eating out and groceries. This then generates daily, weekly and monthly spending insights so you\u2019ll have a clearer idea of what you\u2019re spending where and be able to set budgets. <\/p>

Both apps also offer a round-up feature, where your spare change from transactions will automatically be rounded up and saved. Starling moves your money to a \u201cSavings Space\u201d and you can multiply the spare change you save by 2, 5 or 10. While Starling doesn\u2019t pay interest on its round-up account, Chase pays interest of 5% AER. Each year, Chase will move your round-up funds to your current account. <\/p>

Your salary can be paid into either your Chase or Starling account, and you can set up direct debits. In addition, you can freeze and unfreeze your card in the apps, and contact the customer service teams through in-app chats. With Starling, you can also make international payments, but this is not possible with Chase.<\/p>