Chase referral code: A3X2XJ & Get £50 Bonus

Chase offer at a glance

Reward

£50 Bonus

How to claim

Enter A3X2XJ

Category

Business

Last checked

12 October 2026

About Chase

Chase is an app-led UK retail banking service provided by Chase, a trading name of J.P. Morgan Europe Limited. Its core product is a personal current account that is opened and run through the Chase UK app. Once an account is open, the app is the practical hub for viewing transactions, moving money, managing a debit card, creating additional current accounts and seeing Rewards. Chase also presents spending insights and offers 24/7 support through the app. The debit card can be linked to a selected Chase account, so it can be useful for separating everyday spending from money put aside for another purpose.

This is a personal-banking referral, rather than an investment promotion. Chase’s General Account Terms say its accounts are for personal use, UK payments are in pounds sterling and sent through the app, it does not provide cheque books, and it does not offer overdrafts. The current account itself pays 0% AER/0% gross variable interest under those terms. Chase’s app may show savings and investing products, but neither opening an investment nor taking investment risk is a stated condition of this referral. Any investment is separate: as Chase says, capital is at risk when investing.

For day-to-day use, Chase advertises 2% cashback on specified UK and Channel Islands spending categories, capped at £20 a month, subject to separate qualification rules and merchant-category coding. It also says it charges no account-opening, monthly-usage or ATM fees, and no fees from Chase for card spending or cash withdrawals abroad; an ATM operator can still levy its own charge. Those account features are not part of the £50 referral award and can change under their own terms. A prospective customer should choose the account because its app-based banking and restrictions suit them, not merely because a referral record exists.

Get £50 Bonus with Chase

The immutable directory record is **£50 Bonus**, referral code **A3X2XJ**, and referral URL **https://www.chase.co.uk/gb/en/referral/**. The code and URL are recorded here exactly as supplied; neither is a substitute for Chase confirming that this particular single-use code remains usable. On 12 October 2026, the exact recorded referral URL returned HTTP 404. That makes the code/link record **under review**, even though Chase’s separate official referral page and current Refer a friend terms describe a £50 offer. Do not infer that A3X2XJ is active simply because the wider promotion is described elsewhere.

Under the published terms, an eligible referrer and an eligible new Chase customer can each receive £50 in their respective Rewards balances. The referee must be eligible to join Chase, must not have applied to join Chase before 3 December 2025, must open a Chase account, and must enter the referral code in the Rewards section to link with the referrer and activate the offer. Code entry and activation must happen within 30 days of opening the first Chase account. The referee must also deposit a total of at least £1,000 into a Chase account within that same 30-day period. Chase expressly says the pay-ins may be accumulated: its example is paying in £500, spending £250, then paying in another £500. It is therefore a total-deposits condition, not a stated requirement to keep a £1,000 balance continuously.

A referral code is single use. The referrer creates up to five codes in the Chase app and is responsible for ensuring a code has not already been shared or used. If a code has linked to a referee who then fails the conditions within 30 days, that code cannot be reused and the referrer cannot generate a replacement for it. Chase says referrers may send codes only to people they know and must not use public paid promotion or spam. The offer can be changed, suspended or ended, and Chase may reverse an award where it reasonably suspects abuse or a breach. The referrer and referee must not close their last Chase account or deactivate Rewards before the award is paid. Given the failed recorded destination and single-use design, provider confirmation or confirmation from the original referrer is needed before relying on A3X2XJ.

How to claim the offer

1. 1Start with a status check, not an assumption. The exact recorded URL is https://www.chase.co.uk/gb/en/referral/ and it returned HTTP 404 when checked on 12 October 2026. Keep the code as **A3X2XJ**; do not replace it with a code found elsewhere. Check Chase’s in-app Rewards area and Refer a friend terms, or ask Chase/the original referrer, to establish whether this exact code is still usable.
2. 2Decide whether Chase’s app-based current account is appropriate before applying. The referral is not a reason to invest and does not change the account’s personal-use restriction, no-overdraft position, UK-sterling payment setup or digital-first experience. Check current product terms and fees rather than relying on historic comparisons.
3. 3Check basic joining eligibility: Chase says applicants must be 18 or over, resident and tax resident in the UK, have a smartphone and UK mobile number, and meet its credit-history criteria, for which it carries out a soft credit search. The published referral terms add the important previous-applicant exclusion: do not have applied to join before 3 December 2025.
4. 4Download the official Chase UK app from the appropriate app store and complete its application instructions. Prepare valid photo ID. Chase lists a passport, UK driving licence or EU national ID card, and requires a fresh selfie. Make sure the ID is in date, the images are clear and the name is in the same order as it appears on the ID.
5. 5After the first Chase account has been opened, go to the app’s Rewards section. Chase’s official referred-customer instructions say to select the referred option and enter the referral code there. Enter **A3X2XJ** only if Chase accepts it. A rejected, already-used or absent code should be treated as a failure of this record; do not assume a later deposit will repair an unlinked referral.
6. 6Activate the offer by entering the accepted code within 30 days of opening the first Chase account. Record the opening date, code-entry date and any in-app confirmation. These checks matter because the official terms tie both activation and funding to the 30-day window.
7. 7Pay a cumulative £1,000 or more into a Chase account within 30 days of opening. Multiple pay-ins can count towards the total under Chase’s published example. Retain transfer confirmations and check the in-app account history. Do not confuse this qualifying funding with a £1,000 monthly minimum for the current account; Chase says no regular monthly pay-in is required simply to hold the account.
8. 8Keep the account open and Rewards active while Chase assesses the referral. When all published conditions are met, Chase says the £50 is credited to the Rewards balance. Check that balance and, once available, transfer the reward to a Chase current or saver account. Chase says unreedeemed Rewards can be lost if a customer leaves after closing the last Chase account, so redeem before leaving rather than assuming the reward follows a closed account.

Your referral benefit

The stated promotion is a **£50** referral award for the qualifying referee, with £50 separately available to the eligible referrer. It is credited to the Chase Rewards balance once the referee has met all applicable conditions; Chase’s terms do not publish a fixed number of hours or days for that credit. The referee can transfer a credited Rewards balance to a Chase current or saver account. This is not an automatic payment to an external bank account and is not confirmed merely by making the £1,000 of deposits.

The £50 is a promotional reward, not a return on the £1,000 deposited, interest on the current account, cashback from card spending, an investment gain, insurance cover or a promise that any other Chase product will make money. The £1,000 is a qualification threshold within the first 30 days, not an entry fee. Ongoing Chase cashback has separate categories, a £20 monthly cap and separate qualification criteria. Likewise, savings rates and investment outcomes sit under separate product terms; investment capital can fall as well as rise.

Chase can alter, suspend or end the referral offer and can reverse awards if it reasonably suspects abuse. In this specific record, the exact referral URL is no longer available, so the benefit should be treated as unverified for A3X2XJ until Chase accepts the code in-app or otherwise confirms it. A person who is already planning to open a suitable Chase account can use the official checks below; nobody should open an account or move money solely on the expectation of an unconfirmed £50.

Before you claim

• Open the exact recorded destination, https://www.chase.co.uk/gb/en/referral/, before acting. It returned HTTP 404 on the checked date, so record that result and treat the directory entry as under review rather than following a redirected or lookalike page.
• In the official Chase app, confirm that a Refer a friend option is visible in Home or Rewards. Chase says customers who do not see the promotion in the relevant app areas are not eligible for it at that time.
• Confirm that the applicant is opening their first Chase account and did not apply to join before 3 December 2025. This is a specific referral exclusion in Chase’s current published terms, not a generic new-customer assumption.
• Before funding the account, enter **A3X2XJ** in the Rewards referral flow and look for an in-app indication that the code linked and activated the offer. A single-use code that has already been used will not be a valid link for another referee.
• Write down the account-opening timestamp and calculate the 30-day deadline from it. Verify that code activation occurs before that deadline and that the combined incoming deposits reach at least £1,000 in the same period.
• Use account history to total the qualifying pay-ins rather than looking only at the closing balance. Chase’s terms allow cumulative deposits and give an example where some of the initial money is spent before later pay-ins take the total to £1,000.
• After completing the conditions, check the Rewards balance, not just the current-account balance. Chase says referral awards are credited to Rewards; there is no published fixed fulfilment timetable, so contact Chase through the authenticated in-app Support channel if it does not appear after the conditions have been met.
• Keep the last Chase account open and Rewards enabled until the award is paid, then transfer any Rewards balance to a Chase current or saver account before leaving. This avoids the stated risk that unredeemed Rewards are lost on departure.
• If evaluating the broader account, separately check the current account’s charges, cashback terms and any ATM operator fee. Do not count 2% cashback, a saver interest rate or overseas-card pricing as evidence that the £50 referral will be paid.

Chase referral questions

Sources and verification

Reviewed 12 October 2026. The status above explains how much of the recorded claim was confirmed; always check the live brand page for the latest eligibility rules, deadlines and reward details.

• Recorded Chase referral destination — unavailable when checked
• Chase — Refer a friend terms and conditions
• Chase — Been referred by a friend?
• Chase — Current account
• Chase — Joining Chase
• Chase — Cashback terms and conditions