Spend Life Better

HyperJar is a free debit card account organised around your spending Jars. Add family, friends and kids to share Jars. Enjoy 4.8% annual growth when you pay ahead to our shopping partners. Secure, free, with no hidden fees.

HyperJar is your new smart saving & spending account

HyperJar doesn't replace your main bank account but it makes your money smarter. Use HyperJar to personalise your saving, spending and sharing goals for yourself and the people you spend with. It is free to use, with no hidden fees. Your money is safe. Get started

Make your goals come true with HyperJar for Android and iOS

How HyperJar Works


Open a Free Account & Order the HyperJar Card

Organise, Plan and Spend from Jars

Share Spending Jars with Friends & Family

Sign up for a free HyperJar account without affecting your credit score. Your card will arrive in just days and you can use it to spend directly from Jars.
You can have as many spending Jars as you like. What's more, you can spend directly from a Jar when you link a Jar to your card. There's no need to "move money about".
Shared Jars are like popup joint accounts - but without the faff! Share spending with friends & family by inviting them to HyperJar.
More: free Kids Card

Plan Ahead and Get 4.8% Annual Growth on Future Spend

What if you could tell your money where to go instead of wondering where it all went? With HyperJar, you can! HyperJar offers a market-leading 4.8% annual growth rate - our version of "interest" - when you plan ahead with our retail partners. From small independent breweries to national Shell petrol stations, you will find planning with HyperJar a rewarding shopping experience.

Create a HyperJar Account

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What Our Customers Say

Discover HyperJar

Better Budgeting

Divide money into virtual Jars, using each like a mini account. The Jars you create reflect your life, your spending and your goals. Use them for everyday costs like groceries, fuel, kids' clothes and bills, or to plan for things like a new bike, Christmas and holidays.

About to pay? Spend directly from any Jar when you link it to HyperJar's intelligent prepaid card.

Better together

Create pop-up joint accounts instantly with our unique Shared Jars. Up to 100 people can pay in, plan together and spend from the same Jar.  And you can message each other inside the Jar, like a WhatsApp group for money.

No more awkward bill splitting, forgotten IOUs, messy transfers, delays or arguments about whose round it is.

Social spending that fits your social life.

Better rewards

HyperJar rewards you for planning ahead on your shopping for advance payments to some of the UK's best known brands, like Shell, Dyson and Virgin Wines. We call this H-Money.

If you choose to pay one of our partners ahead of spending, you'll get an Annual Growth Rate of 4.8% on every penny, calculated and added daily.

H-Money can be put in your Wallet or in any Jar.

When you're ready to shop with a merchant you've prepaid to, link your card to the place your H-Money sits.

Not ready to lock-in? 'Favourite' any of our partners and get offers and awards sent to you in the app.


Better life

No subscription costs, no fees, and we don’t do debt. We'll never pitch you a loan or an overdraft. Instead, we help you plan ahead, rely less on credit, put more money away, grow your spending power, borrow and worry less. 

Your credit score is never affected when you open or use HyperJar.

And it feels so good when you pay first, buy later.

Get HyperJar for Android and iOS

Hyper easy. Hyper smart. HyperJar

No fees - at home and abroad

Pay anywhere in the world, in any currency, with no fees. Get Mastercard’s best exchange rate with no charges from us. Fee-free spending, the way it should be. Just go to your Account screen, then check that the Spend abroad button is toggled to On.

Easy money transfers

Instant money transfers between HyperJar members. Zero cost and simple to set up.

Stay on top of your spending

Immediate notifications on spending, transfers and messages. Reorganise transactions into new categories and get breakdowns of your spending patterns.

No chatbots - Real Humans for Customer Support

Chat to a human 7 days a week via Live Chat customer support from your Account screen.

Your money relationships

From bills to group holiday planning. See your relationships with money, friends, shops and services in the app.

HyperJar puts money where your life is.

HyperJar lets you plan with your favourite brands big and small. Let us know who you'd love to join our community.

Your HyperJar money is safe

Freeze your card

Freeze your card instantly from the app. If you lose your phone - meaning you lose your card and access to the app - get in touch with Customer support via our website and we will lock your account until you're back up and running.


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Bank-grade encrypted data

HyperJar uses bank grade 256-bit encryption to keep your data and money safe.


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Secure deposits

We work with digital payment specialists Modulr (Modulr Finance Limited) to protect and manage your money. It's deposited in segregated accounts held directly at the Bank of England.


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Get HyperJar for Android and iOS

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Get HyperJar for Android and iOS