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Chase UK review

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

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Our verdict

Chase UK suits people who spend abroad and want a debit card that costs nothing to hold and nothing to convert. The monthly fee is £0 and the conversion fee is 0%, which together rank it 1 of 419 brands on the monthly fee and 1 of 259 on conversion.

Key facts

Best for
A travel debit card for anyone who wants no account fee, no conversion fee and a large free cash withdrawal allowance.
Monthly fee
£0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Free ATM withdrawals
£1,500 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
2% (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
J.P. Morgan Europe Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2021 (Source, checked September 26, 2026)
Support channels
Help-centre, Email (Source, checked September 26, 2026)
Features
Multi-currency, Travel
Official website
chase.co.uk

Credit cards

Currency conversion fee
0% (Source, checked September 26, 2026)
Legal entity
J.P. Morgan Europe Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2021 (Source, checked September 26, 2026)
Support channels
Help-centre, Email (Source, checked September 26, 2026)
Features
Multi-currency, Travel

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
XLinkedInTrustpilot

Pros and cons

Pros

  • A monthly fee of £0 means holding the account costs nothing, and it ranks 1 of 419 brands on that measure.
  • A currency conversion fee of 0% puts it at the cheaper end for spending abroad, ranking 1 of 259.
  • Free ATM withdrawals of £1,500 sit well above the €118.23 upper quartile in the market.

Cons

  • Support runs on help centre and email only, so there is no phone line for urgent card problems.
  • The free withdrawal allowance of £1,500 ranks 2 of 115 brands, so cash is not the strongest part of the offer.
Chase UK

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Scored 8.9 / 10 by DebitCue.

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Who it suits

  • People who spend abroad often and want the conversion fee to stay at 0%.
  • Cash-heavy spenders who want a free withdrawal allowance of £1,500.
  • UK customers of J.P. Morgan Europe Limited who want a debit card for everyday use and travel.

Who should look elsewhere

  • Wise, if you hold several currencies and prefer a specialist multi-currency account that charges 0.1% on conversion.
  • Varo Believe Secured Credit Card, if a secured credit card suits you better than a debit account.
  • Chime Card (Secured Visa Credit Card), if you would rather hold a secured Visa credit card than a debit card on the mastercard network.

Fees and FX

Costs are as thin as they get on the two lines that matter for spending abroad. The account charges a monthly fee of £0 and a currency conversion fee of 0%, so there is no cost for holding it and no deduction on purchases made in another currency. For a card used mostly abroad, that pairing removes the two charges that usually eat into a travel budget.

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 keep a Chase UK account?+

The account carries a monthly fee of £0, so nothing is charged for keeping it open. Ranked on that measure it sits 1 of 419 brands in the comparison. Cash withdrawals and currency conversion are handled separately, through the free withdrawal allowance and the conversion fee.

Does Chase UK charge for spending in another currency?+

The currency conversion fee is 0%, and on that measure it ranks 1 of 259 brands. It is the charge that matters most for a card used on holidays or work trips, because it sits on every purchase made in another currency.

How many free ATM withdrawals are included?+

Free withdrawals come to £1,500, well above the €0 typical figure in the market. The allowance is what keeps cash-heavy spending cheap, and it ranks 2 of 115 brands. That matters for travellers who take cash out on arrival rather than paying by card.

What kind of card do I get, and will it work abroad?+

It is a debit card on the mastercard network, so it takes payments wherever the Mastercard network is accepted. The features listed for the account are multi currency and travel, pointing to multi-currency and travel use. That makes it a straightforward companion to a UK current account abroad.

Is there cashback on the account?+

Yes. The account pays cashback of 2% on card spending, a simple reward rather than a points scheme. It stacks with the free withdrawal allowance and the conversion fee, so everyday use gives something back while the main charges stay at £0 and 0%.

Who is behind the account?+

The account is provided by J.P. Morgan Europe Limited, which is based in the United Kingdom. The brand was founded in 2021, so it is a newer name than most of the providers it is compared with on travel spending.

How do I get help if something goes wrong?+

Support runs on help centre and email, so questions are answered by email or through the help centre. There is no phone line listed for the account, which is worth weighing if you prefer to talk a problem through with someone.

Sources

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

Not confirmed yet: Protection.

Chase UK

Chase UK

A travel debit card for anyone who wants no account fee, no conversion fee and a large free cash withdrawal allowance.

8.9/10See alternatives