Best Chase UK alternatives

#1 alternative

Monzo

active

UK current account that made banking feel like a group chat.

4.7

London · 11M+ · ~$1.3B raised

8.1Strong

The UK salary account to beat. Pair it with Wise or Revolut if you invoice in euros or dollars. Do not open Monzo expecting a travel-card replacement on the free plan.

Best for: UK residents who want FSCS protection and the best everyday app.

Licence

UK bank

Protection

FSCS up to £85,000

Monthly

Free · Plus/Premium/Max paid

#2 alternative

Starling Bank

active

The grown-up UK challenger: bank first, app second.

4.7

London · 4M+ · ~$1.1B raised

8.1Strong

If the question is ‘will this still be here in ten years,’ Starling scores at the top of the UK set. Monzo is more fun; Starling is more bank.

Best for: UK individuals and SMEs who want a real bank, not a wallet.

Licence

UK bank

Protection

FSCS up to £85,000

Monthly

Personal free · Business from £0–£7+

#3 alternative

Revolut

active

Digital bank and e-money app. Licence depends on the entity.

4.7

London · 50M+ · $1.7B raised u00b7 ~$45B val.

8.6Strong

The default comparison set for a reason. Treat the UK bank product and the e-money wallet as different legal objects, then Revolut wins most travel and multi-currency briefs. It is not the quietest home for a salary if you want a full-licence high-street feel u2014 that is still Starling or Monzo in the UK.

Best for: People who live in more than one currency and want one app for spend, FX, and extras.

Licence

UK bank (eligible customers)

Protection

FSCS up to u00a385,000 on UK bank balances; EMI safeguarding on e-money wallets

Monthly

Free u00b7 Plus/Premium/Metal/Ultra paid

#4 alternative

Yuh

active

Yuh is not a bank. Swissquote Bank Ltd is. esisuisse cover is CHF 100,000, shared.

Gland · Swiss all-in-one app · Swissquote (100% after July 2025)

7.6Solid

Yuh is not a bank. The English homepage says it in one paragraph: Swissquote Bank Ltd provides the banking, FINMA authorises that bank, and esisuisse cover is CHF 100,000 shared with Swissquote. July 2025 ended the PostFinance joint venture. If you already hold cash at Swissquote, do not count CHF 100,000 twice. Zak is Bank Cler. Neon sits at Hypothekarbank Lenzburg. Read those files separately.

Best for: People who live in Switzerland and want spend plus invest, and who accept Swissquote as the bank.

Licence

Fintech app u2014 not a bank

Protection

Yuh itself is not a bank. Banking sits at Swissquote Bank Ltd, FINMA-authorised. esisuisse covers eligible deposits up to CHF 100,000. Yuh and Swissquote are one entity, so the cap is shared.

Monthly

No fees whenever possible u2014 live list on yuh.com/en/pricing

#5 alternative

Neo Financial

active

Calgary fintech. Not an OSFI bank. Eligible cash sits in trust at CDIC-member institutions.

Calgary · Canadian fintech · Private

6.8Mixed

Neo Financial is not a bank. Neo Financial Technologies Inc. is a Calgary fintech, a FINTRAC money-services business and a payments-Canada PSP. CDIC cover, when it applies, follows the member institution that holds the funds in trust u2014 Peoples Bank of Canada is named on the HISA. File it as a Canadian app with a partner-bank deposit, not as EQ Bank.

Best for: Canadian residents who want the Neo app and will read which CDIC member holds the cash.

Licence

MSB and payment service provider

Protection

Neo is not a CDIC member. Eligible funds held in trust at CDIC-member institutions can be covered up to CAD $100,000 per beneficiary per member institution.

Monthly

$0 monthly on chequing, on the September 2026 agreement

#6 alternative

Zak

active

Zak is Bank Cleru2019s digital account. Swiss IBAN, FINMA bank, esisuisse up to CHF 100,000.

Basel · Bank Cler digital · Basler Kantonalbank

7.5Solid

Zak is not a neobank startup. It is Bank Cleru2019s app. Bank Cler AG is a FINMA bank in Basel, owned by Basler Kantonalbank. You get a Swiss IBAN and esisuisse cover up to CHF 100,000. File it next to Yuh and Neon, but remember the difference: Yuh is Swissquote. Zak is Bank Cler. Neon is still Neon.

Best for: People who live in Switzerland and want a real CHF IBAN without a fintech wrapper.

Licence

Swiss bank (Bank Cler AG)

Protection

esisuisse up to CHF 100,000 per client at Bank Cler AG.

Monthly

CHF 0 on Zak. Zak Plus is CHF 8/month.