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Chase UK (current account)

Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.

Current account pays 0% — Chase stopped paying current-account interest on 5 August 2024. 2% cashback on debit-card spending in selected categories (groceries, restaurants and similar), capped at £20/month. Saver pot pays 2.25% AER standard, with a 4.50% AER boost for the first 12 months on new sign-ups. The 4.50% headline is a promo — comparison should lead with the 2.25% standard rate.

Products tracked

FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection

Not FSCS-protected — check the provider's own pages for current coverage details.

FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.

Source · last verified 18 Aug 2026
https://www.chase.co.uk/gb/en/saver-boosted/ →

Current account pays 0% (interest stopped 5 Aug 2024). Boosted Saver 4.50% AER for 12 months (new customers from 29 Dec 2025 must activate within their first 31 days), then 2.25% standard. 2% cashback on selected categories (groceries, restaurants and similar), capped at £20/month.

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Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; Chase UK (current account) appears here under nominative fair-use as identification of a UK financial product.