Chase UK

Every time you use your Chase card to pay for something, the app rounds up the transaction to the nearest pound and automatically moves the spare change into a separate savings pot. You set it up once, and it runs in the background. Users have reported saving over £80 without thinking about it, which can fund small treats like a family pizza night.

Yes, you can lock your card immediately from the main screen if you misplace it or want to stop a payment. The process takes just a second, and unlocking it is equally fast. This gives you peace of mind, especially when letting someone else borrow the card for a single purchase.

Chase UK currently only offers individual accounts, so there is no way to create a proper joint account with shared logins. Many couples find this frustrating and end up sharing one person's login, which is messy and less secure. The bank has not announced plans to add joint accounts yet.

The yearly interest statement is tucked away in the settings or documents section, not on the main screen. You may need to tap through a few menus to locate it. While not a dealbreaker, it's less straightforward than the rest of the app's clean design.

Chase UK has no monthly fees, no charges for international spending, and a much simpler, faster app than many traditional banks. However, it lacks features like joint accounts and detailed spending categories that older banks often offer. For someone who wants a free, easy-to-use account with automatic savings, Chase is a strong choice.