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Jaja Finance reviews

Jaja Finance logo
Rated Terrible 1.37/5

Jaja Finance reviews

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Verified business
Last reviewed within 7 days

Review summary

People rate this company as Terrible based on 143 product reviews

Average score of 1.37/5
5 star
6%
4 star
2%
3 star
1%
2 star
1%
1 star
90%
Reviews for Jaja Finance have trended positively over the past 90 days

Latest positive rating

5/5

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

{"display":"Kashif h","full_name":"Kashif h","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Credit card
Kashif h 15th April 2025

Latest negative rating

1/5

I forgot my special code in March 2015.

I forgot my special code in March 2015. They blocked my card and access to app. I provided the relevant signed copies for proof of... I forgot my special code in March 2015. They blocked my card and access to app. I provided the relevant signed copies for proof of identity & they sent me a "thanks for your documents " letter in Aug 25. I tried writing, calling etc but they treated me like a criminal. I had to put in an FSA Ombudsman complaint which took months. In Feb 2026, they've written to me telling me there's been fraudulent activity on my card, which I have had access to for almost a year now. They've asked me to contact them via the app but I'm still blocked so can't. Again, I've tried calling but am on hold for several hours at a time. This is a company set up by two Norwegian guys who've bought up UK Post Office credit cards and Bank of Ireland. They're so bad it's illegal, shameful and immoral. Anxiety inducing to say the least. Read more Read less

{"display":"Ms F","full_name":"Ms F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Credit card
Ms F 20th February 2026

About Jaja Finance

Jaja Finance offer a mobile first credit card, that they claim will change the face of credit cards forever. It's a pretty bold claim. So tell us if you agree or not. Let us know what you thought of this credit card built for your mobile by leaving a Jaja Finance review on Smart Money people. Smart Money People is the place to go to read and write financial services reviews, which ultimately helps to deliver more trust and transparency within this industry.

Jaja Finance at a glance

Reviews for Jaja Finance

Showing 11 of 143 company reviews Last reviewed within 7 days

I forgot my special code in March 2015.

Credit card 20th February 2026

I forgot my special code in March 2015. They blocked my card and access to app. I provided the relevant signed copies for proof of... I forgot my special code in March 2015. They blocked my card and access to app. I provided the relevant signed copies for proof of identity & they sent me a "thanks for your documents " letter in Aug 25. I tried writing, calling etc but they treated me like a criminal. I had to put in an FSA Ombudsman complaint which took months. In Feb 2026, they've written to me telling me there's been fraudulent activity on my card, which I have had access to for almost a year now. They've asked me to contact them via the app but I'm still blocked so can't. Again, I've tried calling but am on hold for several hours at a time. This is a company set up by two Norwegian guys who've bought up UK Post Office credit cards and Bank of Ireland. They're so bad it's illegal, shameful and immoral. Anxiety inducing to say the least. Read more Read less

Rated Terrible 1/5
Read more product reviews

Jaja card services

Credit card 15th November 2025

It was very professional very helpful polite and very professional had a lot of messages since and straight through to customer services from start

Rated Average 3/5
Read more product reviews
  • 1/5

    Bad experience with Jaja finance credit card

    This company had blocked my credit card and have not explained to me why they have done this. Its been 4 days that i have... This company had blocked my credit card and have not explained to me why they have done this. Its been 4 days that i have not been able to use the card. In 2025 this is too long to be without a functioning bank card . Read more Read less

    {"display":"Darknight ","full_name":"Darknight ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Darknight 2nd September 2025
  • 1/5

    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... 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 that at the contract time there was no discount no offer to you but I’m 100% sure when I apply it it was an offer for me at that time the biggest scam and high intrest Read more Read less

  • 5/5

    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

    {"display":"Kashif h","full_name":"Kashif h","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    Kashif h 15th April 2025
  • 1/5

    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... 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 security word had to get a cheaply photocopied piece of paper with poor use of the English language filled in with a copy of my Passport signed by my Dentist agreeing it is me... I mean...Please it's the 21st century! Since this happened I might add they accepted a £1350 balance transfer to clear my card! Terrible company and shouldn't be allowed to trade...Avoid at all costs Read more Read less

    {"display":"Dazzerdazn","full_name":"Dazzerdazn","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1157863.png"}}'s avatar
    Credit card
    Dazzerdazn 3rd April 2025
  • 1/5

    A pathetic excuse for a travel credit card

    A pathetic excuse for a travel credit card, customer service is only available during GMT hours and any replacement cards can only be sent to... A pathetic excuse for a travel credit card, customer service is only available during GMT hours and any replacement cards can only be sent to a UK address, useless if you’re abroad and the card is broken or lost. My case: they locked the card due to fraud and said it was due to VISA. Told to find a VISA atm to unlock, wasted time doing that. Nothing. Stick with reputable bank not these idiots. Read more Read less

    {"display":"Adam K","full_name":"Adam K","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1073550.png"}}'s avatar
    Credit card
    Adam K 7th January 2025
  • 1/5

    Rubbish customer service who just hang up on you for...

    Rubbish customer service who just hang up on you for no reason. Very uneducated person dealing with customer service . He lazy goose who does... Rubbish customer service who just hang up on you for no reason. Very uneducated person dealing with customer service . He lazy goose who does not even wanna try and speak he just hangs up so he can show records he attended calls . People like that should be fired. They pure dirty finance . Say they give you a card and then says it under review Read more Read less

  • 1/5

    Very bad experience,my credit card is being closed b...

    Very bad experience,my credit card is being closed before l even use it. I called them and they said my account is under investigation.

    {"display":"SC","full_name":"SC","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    SC 7th October 2024
  • 5/5

    Jaja credit card is an excellent choice for those lo...

    Jaja credit card is an excellent choice for those looking for a straightforward, no-nonsense credit card with a strong digital platform. Its ease of use,... Jaja credit card is an excellent choice for those looking for a straightforward, no-nonsense credit card with a strong digital platform. Its ease of use, transparency, and competitive rates make it an attractive option, especially for tech-savvy consumers and frequent travelers. However, if you are seeking extensive rewards and perks, you might want to consider other options. Overall, Jaja represents a modern approach to credit cards, prioritizing simplicity and user experience. Read more Read less

    {"display":"J H","full_name":"J H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    J H 3rd June 2024
  • 5/5

    Very easy and responsible credit card provider

    So far nothing but a positive experience with a Jaja credit card. Main point is that it just works (as a credit card should!). But... So far nothing but a positive experience with a Jaja credit card. Main point is that it just works (as a credit card should!). But the setup makes it easy to use the card well, from direct debit payments, the ability to freeze the card, notifications about spending and balance management, and the application process. And of course in-app approvals of online spends, Read more Read less

    {"display":"James H","full_name":"James H","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    James H 24th May 2024

    Products from Jaja Finance

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