If you are thinking about opening a Chase UK account, there is a simple way to earn £50 for free. You just need to join using a referral code and pay in £1,000 within your first 30 days.
This article explains how the Chase referral offer works, how to claim the £50 bonus, and answers the most common questions people ask before signing up.
Chase referral code – Updated January 20th, 2026
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How the Chase UK referral bonus works
Chase UK runs an official refer-a-friend scheme. When a new customer joins using a valid referral code and meets the requirements, both people receive £50.
There is no spending requirement. You only need to pay money into the account.
What you need to do
Here are the exact steps.
- Copy this Chase referral code XY8TNJ (feel free to share your own code in the comments, please)
- Download the Chase UK app and open an account
- Activate the referral code inside the app
- Then, pay in a total of £1,000 or more within your first 30 days. (don’t wait for the last days)
Once the £1,000 has been paid in, the £50 bonus is added automatically.
For official details, you can also check:
How to activate the Chase referral code
After opening your Chase account, you need to activate the referral code.
You can do this directly in the Chase app. Simply enter a referral code when prompted, or add it in the referral section of the app if you missed it during sign-up.
Once activated, your 30-day countdown begins.
When do you get the £50 bonus?
You will receive the £50 as soon as Chase confirms that:
- Your account is open
- A valid referral code is activated
- £1,000 or more has been paid into your account within 30 days
As soon as these conditions are met, the £50 appears in your Rewards balance.
You can then move it into your Chase current or savings account.
Chase referral FAQ
Below are the most common questions people ask about the Chase referral offer.
How do I invite a friend?
To invite someone, you first need to create a referral code in the Chase app. Once created, you can share it by text message, email, or messaging apps.
Chase also provides a ready-made message that includes instructions, the referral code, and a link.
You can create up to five referral codes at a time.
What does my friend need to do?
Your friend must:
- Download the Chase UK app
- Open a Chase account
- Enter and activate a valid referral code
- Pay in at least £1,000 within their first 30 days
If they complete all steps, both of you earn £50.
What happens if a referral code expires?
If your friend does not pay in £1,000 within 30 days, the referral code expires.
Once expired, it cannot be reused or regenerated.
What does an “activated” referral code mean?
An activated referral code means your friend has successfully entered the code in the Chase app.
After activation, they have 30 days to meet the £1,000 pay-in requirement.
Only activated and completed referrals qualify for the £50 reward.
When will I see the £50 in my account?
The £50 is added as soon as all conditions are met.
This includes opening the account, activating the referral code, and paying in £1,000 within 30 days.
You will see the reward in your Chase Rewards balance.
Where can I find my £50 and what can I do with it?
Your £50 appears in the Rewards section of the Chase app.
From there, you can transfer it into any Chase current or savings account at any time.
There are no restrictions once the reward is credited.
Is Chase UK worth opening an account?
Chase UK is popular for its easy-to-use app, strong customer support, and competitive savings features. Many people also like the simple referral bonus, as it does not require spending or card payments.
If you were already considering opening a Chase account, the £50 referral bonus is a nice extra.
Claim the £50 Chase referral bonus
To earn £50, follow the steps below:
- Download the Chase UK app
- Use referral code provided
- Pay in £1,000 within 30 days
For more information, visit: https://chase.co.uk/raf