Chase UK runs one of the cleanest referral programmes of any digital bank in the country. Since its UK launch in 2021, Chase has paid both sides of the referral consistently and has rarely made customers chase (no pun intended) to get the bonus released. The bonus amount has moved around a little over the years, but the mechanism in 2026 is straightforward: the referrer shares a code, the new customer opens a Chase current account through it, and both sides get paid once a small qualifying condition is met.
This page covers exactly how the Chase UK referral works in 2026, who qualifies, the step-by-step to claim without tripping the usual snags, and how Chase compares with switching bonuses from other UK banks. You can pick up an active, community-verified Chase code from /referrals/chase-uk. Every code on that page has been confirmed by real users as paying out recently.
How the Chase UK referral works in 2026
Chase UK's referral is a standard dual-sided scheme. You, the new customer (the referee), get a sign-up bonus when you open a Chase current account through a link shared by an existing customer. The existing customer (the referrer) gets a separate bonus once you meet a short qualifying condition, typically a first debit-card spend within 30 days.
The bonus has historically been £20 each side, though Chase has periodically boosted this during promotional windows. For the current 2026 amount and exact terms, check the top of /referrals/chase-uk where the community keeps the active offer live.
Typical qualifying conditions have been:
- Open a new Chase UK personal current account (not a savings-only account).
- Use the referral link or code at sign-up, before the account is fully active.
- Pass Chase's identity verification in the app.
- Make a qualifying debit-card purchase within a set window, usually 30 days.
Once those are ticked, the bonus typically lands in both accounts within a few working days.
What you get with Chase UK (beyond the referral)
Chase UK is not just a referral-bonus vehicle. It is a full digital current account with features that make it worth keeping even after the bonus clears:
- 1% cashback on eligible debit-card spending during the first year (subject to a monthly cap)
- A linked saver with one of the higher easy-access rates in the UK
- Automatic round-ups into the saver
- Zero fees on overseas card spending
- Strong in-app support with chat response times measured in minutes, not days
The referral is a bonus on top of a product that has independently picked up good reviews, which is why Chase codes tend to convert more reliably than codes for services people only sign up for because of the bonus.
