Chase vs Starling
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
FSCS protects eligible deposits up to £120,000 per person, per authorised institution.
Quick answer
Chase rewards everyday card spending with 2% cashback (up to £20 a month) if you meet its conditions, and has a 6.50% AER Regular Saver. Starling has no cashback but has no fees from Starling abroad, a business account and a boosted Easy Saver for new customers.
Chase and Starling side by side
| Feature | Chase | Starling |
|---|---|---|
| Monthly fee | £0 | £0 |
| Cashback | 2% up to £20 a month, conditions apply | None |
| Easy-access savings | 2.25% AER (4.50% AER boosted for new customers, 12 months) | 4.00% AER (incl. 1.50% fixed bonus for 6 months, up to £25k); 2.50% standard after that or above £25k. The 5.00% new-customer rate has ended. |
| Regular saver | 6.50% AER fixed, up to £300 a month | No |
| Business account | No | Yes, no monthly fee |
| Switching | CASS in app | CASS, 7 working days |
Figures as of 3 October 2026, from each provider’s own website. Starling Easy Saver rate re-checked 18 October 2026. Rates and fees can change.
Who it’s for
- Chase: people who can meet the 15-payment and £1,000-savings conditions every month
- Starling: people who want simple free banking, travel use or a business account too
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You need branches — neither has them
Full explanation
Some people use both: Chase for everyday spending that earns cashback, and another account for bills or business. Make sure you can keep £1,000 in Chase savers if cashback is the reason you’re choosing it.
The catch
Chase’s cashback disappears in months you miss the conditions; Starling’s Easy Saver bonus ends after six months.
Check each provider’s current terms.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
Does Starling offer cashback?
Not on its current account, as of 3 October 2026.
Can a business use Chase?
No, Chase doesn’t offer a UK business account.
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