Current Accounts
Compare selected fees, account options and features using information checked against published provider sources.
Information is provided for comparison and does not constitute a recommendation. Features, fees and eligibility can change. Confirm current terms with each provider.
Compare
| Feature | Chase | Monzo |
|---|---|---|
| Monthly fee | £0 | £0 |
| Credit interest | No current-account credit interest confirmed | No credit interest on core current-account balance confirmed |
| Arranged overdraft | Not specified | Rate set in overdraft agreement. Subject to status. |
| App banking | Yes | Yes |
| Branch access | No | No |
| Joint account | Not publicly stated | Yes |
| Switching offer | No current switch bonus | No current switch bonus |
Differences
Credit interest
Chase: No current-account credit interest confirmed. Monzo: No credit interest on core current-account balance confirmed.
Arranged overdraft
Chase: Not specified. Monzo: Rate set in overdraft agreement. Subject to status..
Who this helps
Neutral scenarios only — this is not a recommendation.
You may want to compare these providers if you are deciding between Chase and Monzo for current accounts and want to see selected published fees and features side by side.
Chase is listed for savings accounts. 2.25% AER fixed boost for 12 months on top of standard variable rate; limited new-customer eligibility window. These are recorded comparison figures, not a personalised quote.
Chase profileMonzo is listed for business bank accounts. Business Lite, monthly fee £0 Lite plan. FSCS protection up to £120,000 on eligible deposits. These are recorded comparison figures, not a personalised quote.
Monzo profileBefore you choose
FAQs
Details checked 2026-09-13 / 2026-09-13. Canonical URL: https://witmoney.co.uk/compare/current-accounts/chase-vs-monzo.