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Jaja Finance : Credit Card reviews

Name: Credit Card
Rating: 1.35 (139 reviews)

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1.45

Based on 139 reviews, last reviewed 15th Apr 2025

100% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

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

Latest lowest rating:

1

My card was used fraudulently in November 2024 and I... My card was used fraudulently in November 2024 and I am being treated like a criminal, they have blocked my App access and because I didn't know my se... Read more Reviewed on: 3rd April 2025

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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.

Jaja Finance Credit Card reviews (139)

Review of the Jaja Finance, Credit Card:

Useless

Jaja Finance claim to offer the next generation credit card. It's a pretty bold claim! Well if next generation means it doesn't work and a terrible service than it's a true claim! Trustpilot has 54% of 1 star comments while 60% are 3 star or below! I am giving up on them! Reviewed on: 24th July 2021

Reply from Jaja Finance Hi Mike, We are sorry to hear you are dissatisfied with the service we are offering. We are keen to help if there are any issues that can be resolved for you - please email [email protected] if so and we can see what we can do. Kind regards, Jaja Team Response date: 27th July 2021

Would not recommend this company

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

No Way

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

Avoid at all costs

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

Astonishingly poor service

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

How is this company allowed to operate ?

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

joke of a company

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

total con

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

Beyond disgraceful

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

Move to a Company that cares about it's Customers

For anyone having problems contacting them call: 0333 016 4072 (direct number for their complaints tema) If the Jaja experience of making things smarter and simpler to do business is not cancel your account when they confirm, not to inform the Credit Agencies your account is closed and then not provide any level of customer or try to resolve the problems they cause then this is the new simple. Why this company has a credit licence, VISA allows them to issue cards with their brand and the regulators see them as a fit organisation to operate in the UK is beyond me. Reviewed on: 9th December 2020

Dont touch with a barge pole!

I am fed up ringing their number trying to cancel this account transferred from the PO. There is no way to contact them other than their CS number, which you spend ages on. Nothing ever comes of it just the same old nonsense. Banking Ombudsman is my next call. Reviewed on: 9th December 2020

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