This is Forward Thinking Money.
Meet HyperJar, the free digital version of jam-jar budgeting, with a 4.8% Annual Growth Rate.
Better planning. Happier, smarter spending.
Sign up to become an early user and be the first to know when HyperJar launches.
More control and less stress with the world’s smartest account
Modern jam-jar budgeting for you and your family
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 recurring 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.
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Do you really need that joint account?
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.
Make planning pay... around 5%
HyperJar lets you invest in your shopping by prepaying to some of the UK's best known brands, like Lidl, Shell, Dyson and Virgin Wines. We call this H Money.
If you choose to prepay to 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 prepay? Favourite any of our partners and get offers and awards sent to you in the app.
Happier money
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.
Hyper easy. Hyper smart. HyperJar
Happy holidays
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.
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.
Stay safe with HyperJar
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.
Learn more
Bank-grade encrypted data
Secure deposits
We work with e-money specialists PFS (Prepaid Financial Services Ltd) to protect and manage your money. It's deposited in segregated accounts with major UK retail banks.
Learn more
The latest from us
28.06.2020
Hive arrives on HyperJar
The smartest way to manage your home meets the smartest way to manage your money.
22.06.2020
5 ways you can teach your kids about budgeting
Research shows that children who talk about money and are given money regularly to spend and save tend to do better with money when they grow up. Because children are developmentally capable of saving from age 5, it’s important to start building good money habits as early as possible.
11.06.2020
Choosing the perfect Father’s Day gift
Unless you live with him, bear hugs for Dad might not be an option this Father’s Day. But there’s a big choice of goodies from our partners that will show you’re thinking of him, even if it’s at a distance.