Chase vs Revolut: Which Is Better in 2026?
Last updated: 13.06.2026
Chase and Revolut are two of the most talked-about digital current accounts in the UK, but they are built around very different ideas of what a bank account should do. Chase, backed by JPMorgan Chase, launched in the UK with a sharp focus on cashback rewards and a competitive linked savings rate, all with no monthly fee. Revolut started as a travel spending card and has since grown into a sprawling multi-currency platform with free and paid tiers, international transfers, and a growing list of lifestyle features. For most UK residents who want a single everyday account with clear, tangible rewards, Chase edges ahead. Revolut wins for frequent travellers and anyone who regularly sends money abroad.
Chase is the better everyday current account for UK residents who want straightforward cashback and a fee-free experience, while Revolut suits those who need multi-currency flexibility or travel the world regularly.
Head-to-head: Chase Current Account vs Revolut Current Account
 Chase Current Account | Revolut Current Account | |
| Rating | 5.0 /5 | 4.0 /5 |
| Monthly fee | £0/month | £0/month (Standard Plan) |
| Debit card | ✓ | ✓ |
| Credit card | ✗ | ✗ |
| Apple Pay | ✓ | ✓ |
| Google Pay | ✓ | ✓ |
| Cash withdrawal abroad | Free up to £500/month; then 1.5% | Free up to £200/month; then 2% |
| Online account opening | ✓ | ✓ |
| Deposit protection | 85.000 | 85.000 |
| iOS app | ✓ | ✓ |
| Branches | ✗ | ✗ |
Winner by category
Both accounts are free at their standard tier. Chase charges £0 per month with no transaction fees on UK or overseas spending. Revolut's Standard plan is also £0 per month, though paid plans (Plus, Premium, Metal) add monthly costs in exchange for higher limits and extra perks. For most people sticking to the free tier, this category is effectively level.
Chase offers 1% cashback on everyday debit card spending during an introductory period, which is a genuinely rare perk for a fee-free UK account. Revolut's free plan offers no cashback but does support spending in 150-plus currencies, which Chase cannot match at scale. For a UK-based spender who mainly shops domestically, Chase's cashback puts real money back in your pocket each month.
Revolut has a broader feature set: multi-currency wallets, cryptocurrency trading, stock trading, group payments, and a highly customisable card. Chase keeps things simpler, with a linked easy-access saver, round-up savings, and spending analytics. For overseas cash, Chase allows free ATM withdrawals up to £500 per month before a 1.5% fee applies; Revolut's free plan allows only £200 per month before a 2% fee. That said, Revolut's currency-conversion tools and international transfer speeds give it an overall edge in raw feature breadth.
Both accounts now carry FSCS protection up to £85,000. Chase has operated as a fully licensed UK bank from launch. Revolut received its UK banking licence in 2024, meaning UK customer deposits are now covered by FSCS rather than relying solely on safeguarding. Regulatory parity has been reached, so this category is a tie.
Chase offers 24/7 in-app and phone support, which is unusually generous for a digital-only bank. The app is clean and well reviewed, with strong ratings on both the App Store and Google Play. Revolut's app is feature-rich but can feel cluttered, and its customer support is primarily handled through in-app chat with variable response times. For day-to-day usability and support access, Chase has a consistent edge.
For a UK resident who wants a primary current account with no fees, real cashback, and accessible support, Chase delivers more tangible everyday value. Revolut is the stronger pick for anyone who travels frequently, needs multi-currency accounts, or wants to consolidate FX, crypto, and budgeting tools in one place. As an all-rounder for UK-based banking, Chase leads.
Choose Chase Current Account
Chase suits UK residents who want a reliable, fee-free everyday account with a concrete financial reward attached to it. The 1% cashback is particularly useful for people who put most of their regular spending through a debit card rather than a credit card. If you spend a few hundred pounds a month on groceries, petrol, and subscriptions, that cashback adds up quickly. Chase also works well for people who want simplicity: one account, one debit card, a linked saver, and responsive customer support whenever something goes wrong. It is a strong choice for anyone switching away from a traditional high-street bank who wants a modern app without a steep learning curve.
Choose Revolut Current Account
Revolut is the right choice for frequent travellers, digital nomads, and anyone who regularly moves money across borders. The ability to hold and spend in 150-plus currencies at competitive rates, combined with fast international transfers, makes it genuinely useful in a way that Chase cannot replicate. Revolut also appeals to users who want a single app to cover budgeting, savings vaults, crypto exposure, and stock investing alongside their spending account. Its paid tiers add airport lounge access, insurance, and higher cashback rates for those who find the upgrade worthwhile. If your financial life extends meaningfully beyond UK borders, Revolut is built for you.
Use both or switch?
There is no reason you cannot hold both accounts at once. Many people run Chase as their primary UK current account for cashback on everyday spending, while keeping Revolut for travel and international transfers. Opening either account takes around ten minutes through the respective app, with no credit check for the standard tier. If you want to move your main banking to Chase or Revolut from a traditional bank, the UK's Current Account Switch Service (CASS) makes this straightforward: your direct debits, standing orders, and incoming payments are moved automatically within seven working days, and any misdirected payments are redirected for three years. Both Chase and Revolut support CASS switches.
Verdict
Chase wins this comparison for the majority of UK users. The combination of 1% cashback, zero fees, a competitive linked saver, and round-the-clock customer support adds up to an account that actively rewards you for ordinary spending without asking you to pay a monthly subscription. Its deposit protection is now equivalent to Revolut's following Revolut's full UK banking licence, so there is no safety trade-off to worry about.
Revolut remains the superior tool for international use. If you travel several times a year, send money abroad regularly, or want to manage multiple currencies in one place, it fills a gap that Chase does not attempt to cover. The practical answer for many people is to use both: Chase as the daily driver, Revolut as the travel and FX companion. If you must pick just one and your life is largely based in the UK, Chase is the stronger everyday account in 2026.
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FAQ
Chase is the better everyday current account for most UK residents, thanks to its cashback offer and 24/7 support. Revolut is better for frequent travellers and those who need multi-currency or international transfer features.
Both are free at their standard tier, so neither is cheaper for basic use. Revolut's paid plans (Plus, Premium, Metal) add monthly costs; Chase has no paid tier at all, which keeps costs firmly at zero.
Both accounts now carry FSCS protection up to £85,000, following Revolut receiving its full UK banking licence in 2024. Previously, Revolut relied on safeguarding rather than FSCS, but that gap has closed.
Yes. Many people use Chase as their main UK spending account for cashback and Revolut as a travel or FX wallet. Opening both is free and takes around ten minutes per app.
Chase's app is rated higher for simplicity and support access. Revolut's app offers more features but can feel complex. If you want a clean, easy experience, Chase wins; if you want maximum functionality, Revolut delivers more.
Revolut is significantly better for travel. It supports spending in 150-plus currencies and offers competitive exchange rates. Chase provides free ATM withdrawals up to £500 per month abroad, which is solid, but Revolut's currency tools go much further.
Use the Current Account Switch Service (CASS), which both banks support. Your direct debits, standing orders, and incoming payments transfer automatically within seven working days, and misdirected payments are covered for three years after the switch.
Chase offers a competitive easy-access savings rate through its linked saver account. Revolut also offers savings vaults with interest on some plans. Chase's linked saver rate has historically been strong for a fee-free account, but rates change frequently so check the current offer directly before deciding.