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Jaja Finance : Credit Card reviews

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1.39
Based on 140 reviews, last reviewed 8th Jul 2025
100% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
6%
See only 4 star reviews
2%
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1%
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1%
See only 1 star reviews
90%

Latest highest rating:

5

New on the scene , easy to use app, decent credit li... New on the scene , easy to use app, decent credit limit , customer service could improve slightly Reviewed on: 15th April 2025
Kashif h's avatar
Kashif h

Latest lowest rating:

1

Such a bad experience first they was showing me no i... Such a bad experience first they was showing me no intrest for 6 months but right after first month they start charging me intrest and then telling me... Read more Reviewed on: 8th July 2025
Usama Sher's avatar
Usama Sher
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About this product

Jaja Finance claim to offer the next generation credit card. It's a pretty bold claim! But if you want to learn more about this mobile first credit card, make sure you read what our Smart Money People community have to say. Alternatively If you're a Jaja Finance customer, why not leave your very own JaJa Finance credit card review below and let others know what you thought.

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Jaja Finance Credit Card reviews (140)

Atrocious

1
I suggest that you avoid this "company" at all costs. I have been transferred to JAJA from the Post Office which, for many years, has been excellent. I tried to pay JAJA card (just a small purchase to initiate the new card) via BACS: the JAJA web instructions on how to set up a BACS payment does not give the account name (only Sort Code and Account number). My bank wouldn't accept no name. Phoned JAJA customer "services" who gave me an account name. This wasn't accepted by my bank. Phoned again, this time was given another name which didn't work. The person (who seemed to be trying to be helpful but obviously couldn't confirm their actual account name) gave me three more possible account names to try. Non worked. He suggested that I phoned my bank to get them to find the JAJA account name! Surely, it would be simple for JAJA to put their account name on the web page that says how to set-up a BACS payment? The company seems inept; it is such a shame that the excellent Post Office chose such an organisation. I've closed the account and will take out another credit card focused on use abroad. Reviewed on: 21st December 2020
Chris Bell's avatar
Chris Bell

Just NO

1
Automatic transfer from Post Office - not asked for or wanted and no option offered for a service I have not agreed to. Customer Services based abroad, poor phone line, couldn't hear them, they put the phone down. Don't want an app, don't want online only access, don't want the card or the account. I've stopped all transactions and removed card details from online sites. Had to register for the account in order to freeze the card. Once final payment taken account will be closed. Reviewed on: 20th December 2020
Not today's avatar
Not today

Would not recommend this company

1
Jaja have lost over £2000 of my money which was paid in October. I am told the issue is being sorted. But in the meantime my credit limit has been reduced. When I complained I was told it had nothing to do with them. Reviewed on: 20th December 2020
Mary's avatar
Mary

No Way

1
No way will I activate my JAJA card on the basis of these reported incidents. Perhaps this was done by the Bank of Ireland in revenge for Brexit. Reviewed on: 18th December 2020
Graham King's avatar
Graham King

Avoid at all costs

1
I Paid £316.00 to pay off my account they say they have not received it. I Contacted my own bank they gave me all the details of the transaction. i.e GBR Authorisation code and ARN Acquirer reference number I forwarded all this on and I have heard nothing they don’t care never had this trouble with the Post Office as soon as this is resolved the card will be cut up avoid this company at all costs appalling service they should not be in business. Reviewed on: 18th December 2020
David Ashton's avatar
David Ashton

Astonishingly poor service

1
Don't contact Jaja unless you have lots of time to spare. I found a rogue item on my statement and called to have it queried, it took 55 minutes to get a reply. After registering my potential fraudulent item I was told the amount would be restored and my account would be monitored. It never happened. I have tried again to contact Jaja with no success. Reviewed on: 17th December 2020
ronald aitken's avatar
ronald aitken

How is this company allowed to operate ?

1
I too had a smooth working P.O. credit card account until JaJa took over. Their website is poorly designed and lacks functionality. So I phoned JaJa to get more information on recent transactions - they then put me through security questions provided by a third party company - that information was long out of date, so I failed the test. They then blocked my card and requested verified copies of my passport and driving licence, which I sent without delay. That was 6 weeks ago. Today I was told that they have received my documents but their head office was late in verifying them. The operator offered to raise a complaint which I did. This will take 8-10 weeks to be decided on. It gives me time to look for a normal credit card company. I cannot understand how this company is allowed to operate. Absolute shambles. Reviewed on: 15th December 2020
Andreas's avatar
Andreas

joke of a company

1
since the transfer over from post office its been an abysmal experience, they won't let me pay my account off !!!!! i will be cutting up card and sending it back to them AVOID AT ALL COSTS Reviewed on: 14th December 2020
Ron McCambridge's avatar
Ron McCambridge

total con

1
I dont have an account with JAJA never have plus i have never applied for an account with JAJA , But since July 2020 the have been taking money out of my account every month , When i called took me 2 hours to get through then they said they dont have my name on any account But the account is active, Gave me another number to call, I am now in a que and have been for last 56 minutes, APPAULING SERVICE Reviewed on: 11th December 2020
Amy Kieran's avatar
Amy Kieran

Beyond disgraceful

1
Made two payments approximately 1350 each. One didn’t show as gone through on app so I made again. To check I looked at my bank app & noticed both had been taken. I immediately called and was advised that one payment was reversed so all ok. Three days later both payments taken from my bank. Called again, waiting 30 mins on hold to be told by a female who sounded half asleep and as enthusiastic as a slug to call another number. This time I waited 40 mins & was cut off. I was furious... I felt after reading all the available reviews that my money was not safe and had no alternative to use the card quickly to use up the £1350 balance... something I didn’t want to do and has left me financially squeezed... I’m disgusted and astonished that what is supposed to be a highly regulated industry behaves in such a sloppy inefficient and almost criminal fashion. I consider the regulatory authorities a waste of time and subjected to lip service by crooks like these.. they also seem unfit for purpose... DO NOT UNDER ANY CIRCUMSTANCES CONSIDER USING JAJA FOR ANYTHING OTHER THAN PROMOTING STRESS & ANXIETY Reviewed on: 11th December 2020
David 's avatar
David

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