Chase UK vs Monzo Referral Offers
Both are app-based current-account offers with no full bank switch required. Chase has the larger headline reward, while Monzo is usually simpler to trigger.
Quick verdict
Pick Chase if you can comfortably pay in £1,000 within 30 days and want the higher reward. Pick Monzo if you want the lowest-friction sign-up and only need to make a card payment.
Provider
Chase UK
Join Chase UK with referral code FKMMJB, open an account, activate the code in the app, and pay in £1,000 within your first 30 days to qualify for a £50 reward.
Requirement: £1,000 pay-in within 30 days
Medium10-15 minutesPayout After qualifying pay-in
Verified 17 June 2026
Provider
Monzo
Join Monzo via this referral link and complete the current in-app offer steps to get a cash bonus. Monzo referral rewards can vary by account type and live campaign, with current Reddit discussion tracking £5-£50 routes.
Requirement: Current qualifying action shown in the Monzo app
Easy5 minutesPayout 24-48 hours
Verified 26 June 2026
Related reviews
Chase UK
Chase UK Referral Review
The Chase referral is attractive because the reward is clear cash, but the £1,000 pay-in makes it less frictionless than small app referrals.
Monzo
Monzo Referral Review UK
The Monzo referral is not huge, but it is quick and low effort. It is best treated as a small bonus for trying an account you may actually use.
Side-by-side
| Factor | Chase UK | Monzo |
|---|---|---|
| Reward | £50 | Up to £50 |
| Quick answer | Use code FKMMJB for the Chase UK offer. New eligible customers can get £50 after meeting the requirement: £1,000 pay-in within 30 days. Last verified 2026-06-17. | Use the referral link for the Monzo offer. New eligible customers can get Up to £50 after meeting the requirement: Current qualifying action shown in the Monzo app. Last verified 2026-06-26. |
| Best for | Higher-value app-bank referral | Fast low-friction app-bank referral |
| Bonus trigger | Activate code and pay in £1,000 within 30 days | Sign up via link and make a card payment |
| Main risk | Missing the pay-in or code activation requirement | Lower reward value |
FAQ
- Is Chase or Monzo better for a referral bonus?
- Chase is better for reward size if you can meet the £1,000 pay-in rule. Monzo is easier if you want a smaller, simpler referral offer.
- Do I need to switch my bank account?
- No. These are referral sign-up offers, not full Current Account Switch Service bonuses.