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
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Always use contact details from JPMorgan Chase Bank N.A.’s official website ↗ or the FCA Register — not from unexpected letters or messages.
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.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.
Review sources
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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