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Lender DetailsJPMorgan Chase Bank N.A.
Bank

JPMorgan Chase Bank N.A.

Also known as: Chase UK; Chase; J.P. Morgan

JPMorgan Chase Bank N.A. is a major US bank that launched a consumer banking service in the UK in 2021 under the Chase brand. The Chase UK current account is a digital-only service, available through a mobile app, without any physical branches.

The Chase UK account offers a current account with a debit card and a cashback reward of 1% on most debit card spending for the first year. It also offers a savings account with a competitive interest rate and an investment account in partnership with Nutmeg. The service is aimed primarily at people who are comfortable managing their money through a smartphone app.

Chase UK does not currently offer mortgages, loans, or credit cards in the UK. It is purely a current account and savings proposition at this stage. The bank may expand its product range over time.

Because Chase UK is the UK branch of a US-chartered bank, it operates under different regulatory arrangements to a typical UK bank. However, eligible deposits are still protected up to £85,000 per person under the UK Financial Services Compensation Scheme.

If you have a Chase UK account and need to contact customer service, this is handled through the app. There are no branches or phone lines. Their UK registered address is 25 Bank Street, Canary Wharf, London, E14 5JP. Chase Bank N.A. operates in the UK as an overseas firm authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority.

Free financial guidance is available from MoneyHelper at moneyhelper.org.uk.

Quick summary

Company typeBank
Trading namesChase UK; Chase; J.P. Morgan
FCA Firm Ref (FRN)124491
FCA statusAuthorised — PRA-regulated
Companies House no.FC004891 (UK branch registration of foreign company; branch number BR000746)
Company statusActive — UK branch of JPMorgan Chase Bank N.A. (incorporated in USA). Chase UK retail banking app launched September 2021.
Parent companyJPMorgan Chase Bank N.A. (US parent); JPMorgan Chase & Co. (ultimate parent, NYSE: JPM)
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Why someone might search for JPMorgan Chase Bank N.A.

Current account query
Credit card issue
Loan repayment
Mortgage concern
Savings question
Account access problem
Suspected scam or clone firm
Making a complaint

Before you contact JPMorgan Chase Bank N.A.

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?What is my current balance and how is interest calculated?
  • ?What are my repayment options?
  • ?Can I have a full statement of account?
  • ?What happens if I miss a payment?
  • ?How do I make a formal complaint?
  • ?Has my account been passed to or sold to a third party?
  • ?Are there any payment support or breathing space options available?

Contact details

PhoneNot verified — Chase UK is app-first for retail customers
EmailNot verified
Registered address25 Bank Street, Canary Wharf, London, E14 5JP

Always use contact details from JPMorgan Chase Bank N.A.’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference Number124491
FCA statusAuthorised — PRA-regulated. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Companies House numberFC004891 (UK branch registration of foreign company; branch number BR000746)
Company statusActive — UK branch of JPMorgan Chase Bank N.A. (incorporated in USA). Chase UK retail banking app launched September 2021.
Parent companyJPMorgan Chase Bank N.A. (US parent); JPMorgan Chase & Co. (ultimate parent, NYSE: JPM)

Useful official links

What they do

Main products and services

Chase UK: personal current accounts; savings account; 1% cashback on debit card spending; round-up savings; international transfers; app-based banking. JPMorgan also provides UK investment banking, wholesale banking, and asset management.

Trading names and group notes

Chase UK (retail) is operated as a branch/division of JPMorgan Chase Bank N.A. (US charter). UK branch registered FC004891 (BR000746) at Companies House. Separate from J.P. Morgan Securities plc (investment banking UK entity). Chase UK deposits are covered by FSCS up to £85,000. UK retail customer base approximately 1.5 million as of 2025.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

App Store

4.8

Google Play

4.6

Other review sources

Which? and press coverage positive for Chase UK cashback offer; FSCS protected deposits up to £85,000; Chase UK not prominently listed on Trustpilot UK at time of research; app store ratings widely cited in press reviews as 4.7-4.8 range

Overall public sentiment

Insufficient Trustpilot data verified for Chase UK specifically. Press and app store reviews broadly positive — customers appreciate the 1% cashback on spending and round-up savings. Some complaints about limited product range vs established banks (no branches, limited lending). App store ratings strong.

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Common questions about JPMorgan Chase Bank N.A.

Is JPMorgan Chase Bank N.A. FCA authorised?+
Verify on the FCA Register at register.fca.org.uk. The Ask Fin directory includes FCA Firm Reference Numbers (FRNs) where available. Always check official sources before relying on this information.
What products does JPMorgan Chase Bank N.A. offer?+
The Ask Fin listing for JPMorgan Chase Bank N.A. summarises their main products. For the most up-to-date and complete information, visit JPMorgan Chase Bank N.A.'s official website.
How do I contact JPMorgan Chase Bank N.A.?+
Contact details including phone numbers, email and registered address are included on this page where verified. Always use contact details from the company's official website or the FCA Register.
How do I make a complaint to JPMorgan Chase Bank N.A.?+
Start with JPMorgan Chase Bank N.A.'s formal complaints process. If unresolved within eight weeks, or if you receive a final response you disagree with, you may be able to refer the complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk.
What should I do if I cannot afford repayments to JPMorgan Chase Bank N.A.?+
Contact JPMorgan Chase Bank N.A. as soon as possible to discuss your options. You may also want to get free, independent advice before contacting the lender. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Are my deposits with JPMorgan Chase Bank N.A. protected?+
UK banks authorised by the PRA are generally covered by the Financial Services Compensation Scheme (FSCS) up to £85,000 per eligible person. Verify on the FSCS website (fscs.org.uk) for the specific protection that applies to your account.
Where can I get free help if I am struggling financially?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

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