Choose Chase if...
- You want cashback on eligible spending.
- You like simple savings organisation.
- You want a polished app with no monthly fee.
- You do not need overdrafts, loans or business banking from the same account.
Updated 3 July 2026 - Digital bank comparison
Chase UK vs TandemWhich should you choose?
Chase UK and Tandem can both be useful digital banking options, but they are built for different priorities. Chase may suit you if cashback, savings organisation and a clean everyday app matters most, while Tandem may be worth comparing if you prefer savings and greener lending rather than everyday current accounts.
Quick verdict
Pick Chase if you want cashback on eligible spending.
Pick Tandem if you want app-based savings.
Choose Tandem if...
- You want app-based savings.
- You are comparing greener finance providers.
- You do not need everyday current account tools.
- You want FSCS-protected savings from a digital provider.
Chase vs Tandem: side-by-side
| Category | Chase | Tandem | Edge |
|---|---|---|---|
| Best overall fit | Cashback, savings organisation and a clean everyday app | Savings and greener lending rather than everyday current accounts | Tie |
| Monthly fee | No monthly fee on the current account. | No standard current account monthly fee because Tandem is not positioned as an everyday current account. | Tie |
| Budgeting tools | Good: multiple saver accounts, round-ups and spending insights. | Limited: not a budgeting-led current account app. | Tie |
| Spending abroad | Strong: no Chase foreign transaction fee for debit card spending abroad. | Not a travel spending account; Tandem is not built around debit card spending abroad. | Tie |
| Deposit protection | Eligible deposits protected by FSCS up to the current UK limit. | Eligible deposits protected by FSCS up to the current UK limit. | Tie |
| Support | In-app customer support. | Digital support through app and online channels. | Tie |
| Business banking | No UK business account currently offered. | No mainstream business current account for everyday payments. | Tie |
| Extra products | Cashback, saver accounts, round-ups and investment access through J.P. Morgan. | Savings, green lending and borrowing products may be available. | Tie |
Final verdict
Chase and Tandem are worth comparing side by side. The better fit depends on whether you care more about cashback, savings organisation and a clean everyday app or savings and greener lending rather than everyday current accounts.
The best choice depends on what you want the account to do. If one option fits your day-to-day habits better, that usually matters more than a single headline feature.
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