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Chase UK review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Chase UK suits people who spend and travel abroad often: the monthly fee is £0, the currency conversion fee is 0%, and free cash machine withdrawals total £1,500. Against that, support runs on help centre and email only, so anyone who wants phone help should weigh that first.

Key facts

Best for
Free monthly and conversion fees with a large cash machine allowance for UK travellers.
Monthly fee
£0↗
Currency conversion fee
0%↗
Free ATM withdrawals
£1,500↗
Card type
Debit↗
Cashback rate
2%↗
Card network
Mastercard↗
Legal entity
J.P. Morgan Europe Limited↗
Headquarters
United Kingdom↗
Founded
2021↗
Support channels
Help-centre, Email↗
Features
Multi-currency, Travel
Official website
chase.co.uk

Facts checked September 26, 2026, 4 sources

Apps and profiles

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Elsewhere
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Pros and cons

Pros

  • No monthly fee at £0 and no currency conversion fee at 0%.
  • Free cash machine withdrawals of £1,500, well above Monzo Flex at £200.
  • Cashback of 2% on card spending.
  • A debit card on the mastercard network built for multi-currency and travel use.

Cons

  • Support runs on help centre and email only, with no phone line or live chat in that set.
  • Free cash machine withdrawals rank 2 of 104 in the comparison, so a rival offers a wider allowance.
Chase UK

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Scored 8.9 / 10 by HodlCue.

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Who it suits

  • UK residents who pay in other currencies often, since conversion costs 0%.
  • Holidaymakers and travellers who take out cash, with £1,500 in free withdrawals.
  • People who are content with a help centre and email, the channels listed under help centre and email.

Who should look elsewhere

  • Monzo Flex, for readers who want a different card and a smaller free cash machine allowance of £200.
  • Wise, for readers who would rather pay a conversion fee of 0.1% than 0%.
  • Bitpanda, which also charges €0, for readers who want crypto balances on the card rather than a bank debit card.

Where it sits among rivals

Chase UK ranks 1 of 237 brands on currency conversion and 1 of 379 on the monthly fee, so both cost measures sit at the front of the comparison. On free cash machine withdrawals the ranking is 2 of 104, just behind a rival with a wider allowance and ahead of the rest of the field.

Who runs it

Chase UK is operated by J.P. Morgan Europe Limited, with its headquarters in the United Kingdom. The UK operation dates to 2021, so it is a recent arrival on the UK card market. Day to day help runs through help centre and email, a narrower set of routes than a phone line or live chat, so questions that need a person on the line take longer to answer.

How Chase UK compares

Where Chase UK is available

Available
United Kingdom

Countries from the brand (checked September 26, 2026)

Frequently asked questions

What does it cost to run a Chase UK account?+

The monthly fee is £0, so holding the account costs nothing, and converting currency costs 0%. Combined with a conversion fee of 0% on every foreign purchase rather than a flat charge, the running costs stay low for anyone who travels.

How much can I take out of cash machines?+

Free cash machine withdrawals total £1,500, which ranks 2 of 104 brands in the comparison. The free part is a fixed amount rather than open ended, so heavier cash use is the part to plan around.

Is it a debit or credit card, and which network does it use?+

It is a debit card, so spending draws on the money in the account and there is nothing to repay at the month end. The card runs on the mastercard network, and the account is built around multi currency and travel use, so travel spending is the case it is set up for.

Does the card pay cashback?+

Yes, cashback of 2% applies on spending through the card. That sits on top of a monthly fee of £0 and a conversion fee of 0%, so ordinary use earns a little back while the account itself costs nothing to hold.

Which currencies does the account handle?+

The account is built around multi-currency and travel use, which is what the multi currency and travel list describes, and 0% applies to converting between currencies. That suits anyone who earns or spends in more than one place, since the conversion cost does not eat into each purchase.

Who runs Chase UK?+

The account is operated by J.P. Morgan Europe Limited, with its headquarters in the United Kingdom. The UK operation dates to 2021, which makes it a newer name on the UK card market, and support is handled through help centre and email rather than a phone line.

How do I get help from Chase UK?+

Support runs on help centre and email, so the help centre and email are the routes for questions. There is no phone or live chat in that set, which matters if a card is blocked while you are abroad and you need a quick answer.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Chase UK

Chase UK

Free monthly and conversion fees with a large cash machine allowance for UK travellers.

8.9/10See alternatives