1. Transfer money
The first thing you'll need to do is to transfer money from your main bank into your HyperJar account. You can do this while waiting for your card to arrive.
Go to your Account screen and copy your HyperJar account number and sort code. Then open your online banking site or banking app and use these details to make the transfer. Once you've done this once, it'll be quicker and easier next time.
HyperJar offers Faster Payments so the transfer should show up straightaway. If you've allowed notifications, we'll send a message to your phone to confirm when the money is available.
2. Activate your card
When your card arrives, go into the app and tap the Activate button at the top of your Home screen. We'll ask you to input the last 4 digits of the long number on the back of your card. That's it - you're all set. You can now add HyperJar to your Google Pay or Apple Pay Wallets for even faster, more secure payments.
3. Creating Jars
Jars are a way of allocating and organising money for different things. Maybe your lunch budget, groceries, things for kids, going out money. You create a Jar by tapping the plus sign on your Home screen. Give your Jar a name, set a target and choose the colour. A bit like jam-jar budgeting, Jars give you a clearer, easier way to manage your money. Once you've created your Jar, add money to it from your Wallet.
4. Spending from Jars
You can spend directly from your Wallet or any Jar by quickly linking it to your card. Just long press and choose Link, and that Jar will be where your money comes from. The name of the Jar appears at the top of your Home screen with the card symbol next to it. You'll also see the card icon inside the Jar on your Home screen.
If you've got a groceries Jar, and you want to use it to pay for groceries, just link it to your card. The money comes from that Jar and you'll see all your grocery transactions in that Jar.
5. Shared Jars
A lot of our money management and spending is done with other people. Shared bills, going on holiday together, group gifts or just a night out with friends. A Shared Jar works like a pop-up joint account, with none of the hassle or commitment - for up to 100 people.
Tap on a Jar, then the Invite button, and you can either add other users by Bluetooth if they're nearby, or from your Contacts. If you're the Jar Owner, you set the permissions for other people: pay in only, unlimited spending or spending with a limit. You can also leave Notes for each other in a Shared Jar. "Hey guys - spent £40 on groceries for the flat.''
If someone else invites you to a Shared Jar, they set the permissions, so make sure you're OK with them before putting any money in.
In the Offers tab you'll find all our merchant partners. These are the shops, brands and businesses that are connected to HyperJar. If you know you will spend with them in future, you can prepay in return for rewards.
This prepay is called HMoney and you will see the H symbol in any Jar with HMoney inside.
Other good stuff
Spending abroad: pay anywhere in the world, in any currency, and we'll pass Mastercard's exchange rate on to you directly, with no added fees or charges from us. That's in contrast to most bank debit cards, where you'll typically be charged around a 2% add-on for spending abroad, and often a one-off fee on top.
Spend notifications: every time you spend you'll get a little notification from us showing how much you spent, where. And in your Analytics page all this information is put together over time, to give you the bigger picture on your spending and budgeting.
Quick transfers between HyperJar members: at the bottom of your Home page you'll see your Friends contact list. You can send (or ask for) money here instantly.
Freeze (and unfreeze) your card in the app, if you think you've lost it.
And if you have any problems or questions, come and talk to customer support via in-app Live Chat from your Account screen. Mon-Fri 8am-10pm and Sat-Sun 10am-6pm.
Clearer, easier, happier money. HyperJar.