Thinking about opening a Chase bank account in the UK? That's a great move! Chase has quickly become a popular choice for many, offering a modern, app-based banking experience with some attractive perks. But naturally, one of the first questions you might have is: "How long does it actually take to open a Chase bank account in the UK?"
Let's break down the process step-by-step, from initial application to receiving your physical card and being fully operational. You'll be surprised at how quickly you can get started!
Step 1: Are you ready to join the Chase UK revolution?
Before we dive into the nitty-gritty, let's see if Chase UK is the right fit for you. To open a Chase UK account, you'll need to meet a few basic criteria:
Be 18 years or older.
Be a resident of the UK only.
Have a smartphone and a UK mobile number. (Chase is an app-only bank, so this is essential!)
Be a tax resident of the UK.
Meet their credit history criteria – they'll do a soft credit search, which won't impact your credit score.
If you tick all these boxes, then you're in a great position to proceed!
Step 2: The Speedy Application Process - Getting Started in Minutes
This is where Chase truly shines. Unlike traditional banks that might require lengthy forms and in-person visits, Chase UK's application is entirely digital and designed for speed.
2.1 Downloading the App: The Gateway to Your New Account
The very first step is to download the Chase UK app. You can find it on the App Store (for iOS users) or Google Play Store (for Android users). Search for "Chase UK" and ensure you download the official app.
2.2 Inputting Your Personal Details: A Quick Run-Through
Once the app is installed, you'll be prompted to start the application. This involves entering some standard personal information:
Your full name
Date of birth
UK residential address
UK mobile number
Email address
Be sure to have all this information handy to make the process even faster.
2.3 Identity Verification: The Digital Handshake
This is a crucial part of the application, designed to verify who you are securely. Chase uses a smooth in-app process:
Scanning a valid form of photo ID: This typically involves your UK passport or a UK driving licence. The app will guide you to scan the document using your phone's camera. Make sure you have good lighting and a clear background for the best results.
Taking a picture of yourself: This is often referred to as a "selfie" or "liveness check" and helps to match you to your ID document. Again, the app will provide clear instructions.
Usually, this entire digital application process takes only a few minutes. For many users, approval is almost instantaneous if all the information is consistent and verifiable.
Step 3: Account Approval and Instant Access - Banking Before Your Card Arrives!
Once you've completed Step 2, Chase gets to work.
3.1 Near-Instant Approval: The "Wow!" Moment
In many cases, your account can be approved within minutes of completing the application. This is one of the most significant advantages of Chase UK's digital-first approach. You'll typically receive an in-app notification and an email confirming your account is open.
3.2 Immediate Access to Account Details: Start Spending Online
Even before your physical debit card arrives, Chase provides you with immediate access to your card details within the app.
Simply open the app and tap 'See card' on the Home screen.
You'll find your card number, expiry date, and CVV.
This means you can start shopping online right away, even while waiting for your physical card! You can also add your new Chase debit card to Apple Pay or Google Pay instantly, allowing you to make in-store payments with your smartphone without needing the physical card.
Step 4: The Arrival of Your Physical Debit Card - The Tangible Link to Your Money
While you can start banking digitally almost immediately, you'll eventually want your physical card for ATM withdrawals and in-store chip-and-PIN transactions.
4.1 Card Dispatch and Delivery Time: Patience, Just a Little Bit
Once your account is fully opened, Chase will dispatch your numberless debit card.
Normally, this takes about 5 to 7 working days to arrive, depending on the postal service.
If you haven't received your card within 10 working days, it's a good idea to contact Chase's customer support.
4.2 Activating Your Card: The Final Step
Once your card arrives:
Open the Chase app.
Tap 'See card' on the Home screen.
Tap 'Activate card'.
Confirm you have your new card with you.
Once activated, your card is ready for use in stores and for cash withdrawals.
Step 5: (Optional) Switching Your Current Account - A Seamless Transition in 7 Days
If you're looking to make Chase your primary bank and switch over your existing current account, Chase offers a seamless service through the Current Account Switch Service (CASS).
The CASS process takes 7 working days.
Chase will handle all the heavy lifting, moving your money, Direct Debits, and standing orders to your new Chase account.
They'll also arrange for your old bank to close your previous account.
You can initiate this switch directly from the Chase app by heading to 'Profile'.
The Overall Timeline: A Quick Recap
Application & Instant Approval: Minutes (if all details are readily available and verifiable).
Access to Digital Card Details: Immediately after approval.
Physical Debit Card Delivery: 5 to 7 working days (typically).
Full Current Account Switch (if desired): 7 working days via CASS.
So, in essence, you can be up and running with a Chase UK account for online and digital payments within minutes, and have your physical card within a week. If you're switching your entire banking relationship, plan for an additional week.
10 Related FAQ Questions
Here are some frequently asked questions about opening a Chase UK bank account, with quick answers:
How to speed up the Chase UK account opening process?
Ensure you have a valid UK photo ID (passport or driving license) and your UK mobile phone handy before you start. Clear lighting for ID scans helps!
How to activate my new Chase UK debit card?
Once your card arrives, open the Chase app, tap 'See card' on the home screen, and then tap 'Activate card'.
How to find my Chase UK account and card details before the physical card arrives?
After approval, open the Chase app and tap 'See card' on the home screen. Your full card details will be displayed there.
How to add money to my new Chase UK account?
You can add money by transferring from another UK bank account using your Chase account number and sort code, or by setting up a direct debit from another account.
How to contact Chase UK customer service if I have issues opening an account?
You can contact them directly through the Chase app by tapping 'Support', or by calling 0800 376 3333 within the UK, or +44 203 493 0829 from abroad. They are available 24/7.
How to know if my Chase UK account application has been rejected?
If your application is rejected, you will usually see an error message in the app and receive a text or email explaining why and what to do next.
How to switch my existing current account to Chase UK?
You can initiate a full switch using the Current Account Switch Service (CASS) directly from the Chase app under the 'Profile' section. This typically takes 7 working days.
How to deposit cash or cheques into a Chase UK account?
Currently, Chase UK does not support direct cash or cheque deposits. It is an app-only bank. You'll need to transfer funds digitally from another account.
How to get cashback with my Chase UK debit card?
Chase UK offers 1% cashback on eligible debit card spending for the first year as a new customer, up to £15 per month. This is automatically applied to qualifying transactions.
How to use my Chase UK card abroad without fees?
Chase UK does not charge fees for debit card payments or cash withdrawals outside of the UK. However, local merchants or ATMs may still impose their own charges.