The HyperJar budgeting app

Imagine a row of jam jars on your kitchen table, each labelled for something like ‘Food shopping’, ‘Car’, ‘Pets’ or ‘Christmas’ with different amounts of money inside. That’s exactly how digital jars work in your HyperJar account. Of course you don’t have to do this if you don’t want to: you can use HyperJar just like you would a standard spending account.

But if you like the sound of budgeting jars, you can create as many as you like, name them, colour-code or personalise them with a picture, and add different amounts of money to each. Some people call this the ‘cash stuffing’ or ‘envelope’ money management method – we've just digitised it. And we know that millions of people find this the best way to feel on top of their money, however much they have. You can pay directly from any of these money jars by linking them to your HyperJar card, so you’re always spending from the right pot of money.

The great thing about a prepaid account is that you can only spend what’s in the account - no overdrafts, and we don’t try to pitch you a credit card or a loan. We think the best way to budget using HyperJar is to 

HyperJar offers leading cashback rates with hundreds of retailers. If you’re shopping at Argos or fancy a Costa coffee, you can buy cashback vouchers to spend in these places. Cashback is instant, so no waiting for it to reach a certain amount to ‘cash out’. You can start spending straight away.

You can use your prepaid HyperJar card anywhere Mastercard is accepted. So 

pretty much everywhere! There are a few exceptions which are common to prepaid cards. Your card won’t work with the ‘Pay At Pump’ option at petrol stations, for example, and we don’t allow payments for any gambling or betting, including the National Lottery. There’s a full list of excluded categories available here.

Yes, the HyperJar prepaid card is contactless for transactions of £100 and under. If you add the card to Apple Pay or Google Pay, the transaction limit is removed. 

You can also use ‘Chip and PIN’ (you’ll see your PIN in the app from Profile>Manage Card). As a safety feature we check in with you after five contactless transactions to ask you for your PIN, and do the same after a certain number of Chip and PIN payments just to make sure it’s you.

Yes, anyone aged 13+ can add their HyperJar prepaid card or Kids Card to Apple Pay or Google Pay from Profile>Manage Card. 

There is a one-off £4.99 charge for physical cards to cover some of the costs of production and shipping. Adults can opt for a free virtual card, which is available as soon as an account has been successfully opened. The app is free to use and free to download from the App Store and Google Play Store. No monthly or annual fees. It’s easy to run your HyperJar personal account without paying any fees at all - it’s just a matter of sticking to our limits for transfers in and out of the account. Check out the details here

Thousands of HyperJar customers like to have a bank account to pay their big, recurring expenses and direct debits, and then use their HyperJar account for regular monthly spending and goal setting.