Chase Germany
After Chase UK passed 2.5M customers, JPMorgan took the same playbook to Germany, starting with a savings account.
JPMorganChase's second European digital bank (May 2026): savings first, current account and investing planned by 2028.
- Who holds it
- The company itself — it holds a full banking licence — German banking license (J.P. Morgan SE, BaFin/ECB-supervised).
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from Chase Germany’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Berlin, DE |
| Founded | 2026 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | German banking license (J.P. Morgan SE, BaFin/ECB-supervised) |
| Card | No card |
| Yield | Up to 4% (4-month promo, then 2%) |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Countries | Germany |
| Founders | JPMorganChase |
Verified links: official site ↗ · terms ↗ · privacy ↗
Common questions about Chase Germany
What is Chase Germany?
Chase Germany is a fiat neobank, headquartered in Berlin, DE and founded in 2026. Your money is held custodially, so Chase Germany or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (German banking license (J.P. Morgan SE, BaFin/ECB-supervised)).
Does Chase Germany have a card, and where can you use it?
It issues no card of its own. It is available in Europe.
Does Chase Germany require KYC?
Yes. Chase Germany requires identity verification (KYC) to open an account, as a licensed bank.
What does Chase Germany cost?
From the verified fields: yield Up to 4% (4-month promo, then 2%). Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Chase Germany before relying on them.
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
Chase Germany appears in
Neobanks that hold their own banking license (140) · Neobanks that require identity verification (349) · Neobanks available in Europe (151) · Neobanks with no card of their own (74) · Neobanks in Germany (9)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.