Chase Saver review

Best Easy Access

Easy-access savings account from Chase UK with competitive interest rates and no minimum deposit. Linked to Chase current account.

Overview

Chase brought the fight to UK savings when it launched, offering consistently top-tier easy-access rates linked to one of the world's largest banks. The Chase Saver sits inside the Chase app alongside the current account, making it effortless to manage.

Who Is Chase Saver Best For?

• Easy-access savers — withdraw anytime with no penalty
• Chase current account holders — seamless in-app management
• People who want simplicity — one app, one place, good rates
• Small savers — no minimum deposit requirement

Key Features

Feature	Details
Interest rate	3.75% AER (variable)
Access type	Easy access — instant transfers
Minimum deposit	£0
Maximum balance	£250,000
Interest paid	Monthly
FSCS protected	Yes — up to £85,000

You must have a Chase current account to open the Saver. The current account is free and takes 10 minutes to open — and it comes with its own perks including 1% cashback on spending for the first year.

How It Compares to Top Savings Accounts

Account	Rate	Access	Min Deposit
Chase Saver	3.75%	Easy access	£0
Marcus	4.00%	Easy access	£1
Zopa Smart Saver	4.23%	Easy access	£1
Atom Bank	4.50%	Fixed (1yr)	£50

What Chase Saver Lacks

• Not the absolute highest rate — other easy-access accounts beat it
• Requires Chase account — an extra step if you do not already have one
• Rate can change — variable rate, not guaranteed
• No Cash ISA — no tax-free savings wrapper

The Bottom Line

Chase Saver is a solid, reliable easy-access option with the backing of JP Morgan. It may not always be the very top rate, but the combination of a good rate, instant access, and seamless app integration makes it an excellent default savings account — especially if you already use Chase for banking.

Pros

• Competitive interest rate
• No minimum deposit
• Easy access — withdraw anytime
• In-app management
• No fees

Cons

• Must have Chase current account
• Rate can change
• No fixed-rate option