You can also take advantage of our Employee Assistance Programme, with 24/7 support for issues like bereavement and health worries, access the cycle to work scheme and benefit from paid sick leave if you need to take a break. We review salaries each year to ensure performance is rewarded and we retain our talent. You’ll also be included in our annual discretionary bonus scheme, linked to your performance. The first 5,000 people who signed up to its waiting list were offered cashback with the likes of Uber, Deliveroo, Spotify and Booking.com.
We take a look at what Jaja is planning to offer and whether it’s worth keeping an eye on it. Jaja credit cards, leveraging the Visa network, offer a seamless experience with acceptance at over 20 million locations worldwide. Beyond the global reach, Jaja enhances your financial management through a feature-rich mobile app. Established by a trio of Norwegian entrepreneurs, Jaja represents a credit card tailored for the digital age. While a physical card is part of the offering, the primary focus is on a swift online application process and the subsequent card management directly through the dedicated app.

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In 2024, Jaja became one of the first UK fintechs to launch a GenAI chat assistant, Airi, using Anthropic’s state-of-the-art Claude 3 model family. Initially predicted to reduce customer response times by 65%, the digital lender has now reduced customer response times by 90%, answering customer enquiries in just under fifteen seconds, versus the three minutes it took prior to launch. Airi is now resolving 50% of customer enquiries, allowing customer service agents more time to deal with the more complex enquiries. With this launch, the Jaja Finance rewards programme sets the stage for a more personalised and rewarding credit card experience. The offer is available to existing Asda Money Credit Card customers who purchase an Asda Money Travel Insurance policy using their Asda Money Credit Card after 23 January 2023. For example, if your Travel Insurance policy costs £20.00, you will receive £2.00 back in Asda Pounds.

• We’ve got you covered with private health cover through Vitality, with some additional perks, discounts and rewards to keep you active.
• With a card boasting few fees, competitive interest rates on various types of transaction and a slick app experience, Jaja looked set to join the ranks of Monzo, Starling and Zopa, in disrupting the banking status quo.
• We may receive compensation from our partners for placement of their products or services.
• In 2019, Jaja unveiled a strategic partnership with Bank of Ireland and took over its existing credit card portfolio.
• UK and Ireland-based employees will be automatically opted in to our enhanced pension scheme, with options to flex your contribution via our salary exchange scheme (or opt-out completely) as your choose.

Continuous Acquires Sycorr to Advance Security and Compliance for Financial Institutions

When opening your Jaja financial account, it may provide a credit limit below £250, which is a relatively low amount for those seeking immediate financial assistance. This is because the limit may increase over time; however, if you are in a hurry, it could pose a challenge. In 2019, Jaja unveiled a strategic partnership with Bank of Ireland and took over its existing credit card portfolio. Consequently, all credit cards previously branded under Bank of Ireland, the AA, and the Post Office have seamlessly transitioned to the Jaja system. Jaja Finance is committed to empowering customers with simple, fair, and efficient credit solutions, leveraging advanced technology to enhance financial inclusion and customer experience. We’ve got you covered with private health cover through Vitality, with some additional perks, discounts and rewards to keep you active.

Jaja Finance Breaks New Ground with ‘Launch to Rewards®’ Programme

It currently has a TrustPilot rating of 3.6 out of 5, based on over 5,200 reviews (updated 12 April 2022). Many customers complained of issues since their existing Post Office Money accounts were moved over to Jaja, including poor customer service and communication, and incorrect payments. With new digital banking companies launching almost every month, managing your current account from an app is somewhat of a given by now.

How to get a Jaja credit card?

• Additional notable features include an interest-free period of up to 56 days if you settle your bill promptly each month and an APR (Average Percentage Rate) of 18.9%.
• More recently, Jaja introduced its first-ever own brand credit card, the Jaja Vanta Credit Card, further expanding its product portfolio.
• Jaja Finance is committed to empowering customers with simple, fair, and efficient credit solutions, leveraging advanced technology to enhance financial inclusion and customer experience.
• Find out what monthly payments would be on a loan and the total cost over its lifetime, where interest is charged monthly.
• While a physical card is part of the offering, the primary focus is on a swift online application process and the subsequent card management directly through the dedicated app.

There is no annual charge and no fees when using the card abroad, and you’ll be able to withdraw cash from an ATM without any charges. Jaja’s product comes with an APR of 18.9 per cent and offers fee-free spending abroad, but does not offer cashback on purchases. Fellow mobile-friendly credit card Tandem launched its first credit card in February last year which offered users 0.5 per cent cashback as well as jaja bonus fee-free spending when abroad. Shoppers using the Asda Money Credit Card and Asda Money Select Credit Card will be rewarded with 1% of every £1 spent at Asda on groceries, fuel, George, and other Asda services, and 0.3% of every £1 spent on purchases outside of Asda. Offer valid each time an Asda Money Travel Insurance policy is purchased using an Asda Money Credit Card.

Missions will reset every month, giving everyone a fresh chance to join in and collect all their stars. The Jaja Finance rewards programme aims to deepen engagement by rewarding responsible usage and loyalty across its customer base. It said it is currently running private testing with those at the top of its waiting list and plans to launch the full app and credit card next month.
Asda Rewards is Asda’s loyalty program and provides customers with the chance to earn pounds, rather than points, each time they purchase certain products or complete a milestone mission. You may want to consider obtaining a copy of your credit file before applying for another credit card. On first impressions, Jaja looked set to join the likes of Zopa in modernising the humble credit card by adding the type of digital-focused features we’ve all come to expect from our bank accounts. The Jaja credit card app also has poor customer reviews (updated 12 April 2022), with a score of 2 out of 5 on the Apple Play store (based on over 65 reviews). Founded by three Norwegian entrepreneurs, Jaja is a credit card “built for the digital world”. You do get a physical card, but it’s all about quickly applying online and then managing the card directly from the app.

It is headquartered in London and regulated by the FCA and combines the technical and digital capabilities of a modern technology business with deep retail financial services and credit card sector experience. It’s difficult to see why you’d be desperate to get your hands on a Jaja credit card right now. Perks and rewards are a weak spot – with cashback offers only awarded to the first 5,000 people who signed up, and now gone. If you like to treat yourself with the extras that many cards offer nowadays, Jaja probably won’t cut it for you. Instead, the company has taken the helm of Bank of Ireland’s credit cards arm, absorbing a significant number of unsuspecting customers along the way, including those with Post Office and AA cards pre-dating the acquisition. About Jaja Finance   Jaja Finance Ltd is a fintech providing digitally led credit card products with a focus on simplicity, functionality, service and security.