Unanswered Questions? No Worries, We're Here to Help with the FAQs

The Juni platform

Have questions about the Juni platform? We've got answers. Learn how Juni works, where it's available, and more.

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The Juni card

Want to learn more about the Juni card? Visit the help section now.

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The Juni IBAN accounts

Need answers regarding Juni IBAN accounts? Get comprehensive, in-depth information below.

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Integrations

Have questions about integrations?
Read our FAQ to learn more about which integrations we offer and how they work.

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Frequently asked questions

About The Juni Platform

Is Juni available in my country?

Juni is currently only accepting applications from companies based in the UK, and the EEA.

What type of businesses are accepted?

We currently only accept Limited Liability Companies (LTD, PLC, LLP, BV, AB, EEOD).

Where is Juni based?

Juni is a Swedish with company headquartered in Masthamnsgatan 21, 413 28 Gothenburg, Sweden. Our team works remotely and is distributed across the world.

Where and how is Juni regulated?

Juni Technology AB is a Swedish Limited Company (reference number: 559248-0908) with our registered address at Kungsportsavenyn 21, 411 36 Gothenburg, Sweden.The Juni VISA Platinum Card is issued by Payrnet Limited (UK) and Payrnet UAB (EU), respectively regulated by the Financial Conduct Authority and the Bank of Lithuania.The Juni Mastercard is issued by Payment Card Solutions (UK) Limited and UAB B4B Payments Europe, respectively regulated by the Financial Conduct Authority and the Bank of Lithuania.

Are my funds held in my Juni account covered by the EU Deposit Guarantee Scheme?

No.

How can I trust Juni to keep my funds safe?

Juni does not operate as a bank. Because of this, we do not lend your money or use it to make investments. The money you deposit with Juni is kept in safeguarded accounts in Luxembourg (EUR and USD) and the United Kingdom (GBP). Your funds are only used when you execute payment transactions using the Juni card or via bank transfer.

Please keep in mind, deposits to your Juni account are not covered by financial protection schemes like the Financial Services Compensation Scheme (FSCS), Federal Deposit Insurance Corporation (FDIC), or the EU Directive on the Deposit Guarantee Scheme (DGS).

Traditional banks are required to protect deposits under these schemes. The reason for this is because banks are legally allowed to lend out the deposits of their customers to other people who use the bank. Financial protection schemes were created because the relevant governments decided that these funds needed to be insured, up to a certain amount, in the event of an issue.

The money we use for our business operations is kept completely separate from the money you have deposited into your account.

If Juni were to go bankrupt or become insolvent, your money would be returned to you in full.

How does Juni store my data?

Juni is required to store some of your personal and transactional data in order for you to use our services. Your data is protected in line with industry standards. Amongst others this means only certain of our employees have access to your data and only if absolutely needed. We automatically delete information that we no longer need and all data that we store and process is subject to extensive technical and organisational security measures.
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All personal customer data is processed and stored in accordance with the General Data Protection Regulation (GDPR) and the UK GDPR within the EEA/EU/UK. You have the right to request access to your personal data at any time by reaching out to support@juni.co.
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In order to meet our regulatory obligations under anti-money laundering and e-money laws in the UK and EEA, we are required to keep your personal data for the duration of your time using Juni. Some of your personal and transactional data is required to be kept for eight years following the termination of our contract, if your are located in the EEA, or for five years if you are located in the UK. Under certain circumstances, such as a potential or ongoing court claim, we may need to keep your personal data for a longer period.
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For additional information on your data and privacy rights, please refer to our Privacy Policy.

Does Juni have a referral program or an affiliate program?

Juni does not have a referral program at the moment. However, we do have an affiliate program where our partners can earn a commission for referring new clients to Juni. Send us an email or check the affiliate program page on our website for more information.

Does it cost anything to join Juni?

You can sign up to Juni, open an account and create all the virtual cards you need for free.

If my account has been blocked, what are my options?

From the moment your account is blocked, you will be granted a certain amount of time to remove funds from your account. You will be able to download any and all past statements, cancel subscriptions or complete any other necessary operations. Once the time has run out, Juni will cancel your account and you will no longer have access.
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Please note that accounts can be blocked for a variety of reasons. If your account has been restricted, you will receive an email (sent to the email registered with your account) with an explanation. Where applicable, this will also include a list of appropriate next steps. For any questions, please contact support@juni.co.

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Why is my account blocked?

Accounts can be blocked for a variety of reasons. If your account has been restricted, you will receive an email with a thorough explanation. If applicable, this will also include a list of next steps. Important note: all messages from Juni will be sent to the email address you used to register with Juni.

Why am I being asked to provide more information?

In order to satisfy regulatory requirements and ensure safety across our platform, we need to know the following information about your business:
• what your business operations entail
• who owns your business
• where your business is located

We must be able to verify your identity to ensure it is truly you who is applying for an account on behalf of the company. This information also helps us keep out those who intend to abuse our products and services for illicit or illegal means.

Why do I need to verify my source of funds?

In order to proceed with your application, we need a recent bank statement (dated within the last 3 months) in the name of your company showing some inbound and outbound transactions.This is a regulatory requirement as we need to verify how our customers fund their business.
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Important note: all messages from Juni will be sent to the email address you used to register with Juni.

After closing my account, when will my data be deleted?

After closing your Juni account, we are obligated to hold onto your data for our AML (anti-money laundering) protocols. The terms of these protocols dictate that records of your data must be held for the following durations:
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UK: 5 years
EEA: 8 years

Why is Juni holding my money?

Withholding money from an account holder is a decision that we do not take lightly. Juni will only make the decision to withhold your funds if we suspect:

The occurrence of criminal or fraudulent activity or if someone else is using your account without your permission.
That your account is being used to abuse or exploit any services or features we may offer.
That you might harm our ability to provide our services to other customers or users.

What happens to my funds if my account is closed?

We will transfer any remaining funds from your account to a bank of your choosing. We provide comprehensive information on this matter via an email that will be sent to you after the account has been closed.
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In order to receive your funds, you must provide us with all relevant information needed for the bank transfer, including the following:

Bank name
Account name
Bank address
IBAN/BIC/SWIFT for EUR accounts
Account Number and Sort Code for GBP accounts

If my account is being closed, can I appeal this decision?

For some cases of account closure, we offer the opportunity for users to reach out to Juni and appeal their case.
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If you have received an account closure email from us, please read it carefully and contact recovery@juni.co to have your case formally reviewed by our team.

How do I talk to someone about my account?

For some cases of account closure, we offer the opportunity for users to reach out to Juni and appeal their case.
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Please contact support@juni.co or use the integrated live chat option that is available 24/7 on our website.

About the Juni card

How does the Juni cashback work?

With Juni, you get 2% cashback for your first 30 days, up to 1% thereafter. All completed transactions on the card count towards your cashback total, unlike with temporary holds. Each calendar month is a cashback period, with the cashback you’ve earned being credited to your Juni account 30 days after the period has ended. For example, the cashback you’ve earned during January gets paid to your account 30 days after January 31.

How do I claim the cashback that I’ve earned?

Your cashback will automatically be credited to your Juni account in the same currency as your account 30 days after the current period has ended.

How many virtual cards can I create?

You can create up to 100 virtual cards instantly, with the option to apply for more if needed. Creating virtual cards is free, you won't pay a penny.

How many physical cards can I have?

You can order up to 10 physical cards. Please note that physical cards are currently only available in GBP. USD and EUR cards are coming soon!

If you require extra physical cards in order to successfully run your business, get in touch with your account manager and we will do our best to accommodate your needs.

Does the Juni card work with Facebook and Google Ads?

Yes. Both the physical and the virtual cards work with these two major ad networks.

What currencies can I get on my Juni card?

We offer Juni accounts, as well as virtual cards in USD, EUR, and GBP. Please note that physical cards are currently only available for GBP accounts and only for delivery to an address in the UK.

Who is eligible for the Juni card?

Any company registered in the UK and the EEA is welcome to apply for a Juni account and subsequently order Juni cards for their business.

Does Juni check my credit score?

We do not check the credit reports of applicants as private individuals. However, as part of our verification process, we do check the company's information and credit score through national company registers and credit bureaus.

Does Juni offer credit?

Yes, we currently offer credit lines to eligible UK companies. You need to be a Juni customer to apply. Use your Juni account to initiate the process.*
* Subject to eligibility. Terms and conditions apply.

About the Juni IBAN accounts

Does it cost anything to open a Juni IBAN account?

Opening a Juni IBAN in EUR, GBP or USD is free.

In which currencies can I get a Juni IBAN account?

Juni offers IBAN accounts in EUR, GBP and USD.

Where is my money stored?

The money in your Juni accounts is safeguarded in different locations, depending on the currency you have chosen.
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Your EUR and USD funds are stored in Luxembourg with our banking partner BankingCircle. Your GBP funds are stored in the United Kingdom with our UK partner, Railsbank.
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Note: the money we use for our business operations is completely separate from the money you have deposited into your account.
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If Juni were to go bankrupt or become insolvent, your money would be returned to you in full. However, if something were to happen to the banks where we keep your money, your funds would not be protected.

What types of bank transfers can I make?

You can make SEPA and Faster Payments transfers for GBP accounts. Please note that we do not support bank checks or cash deposits. For the USD and EUR accounts, you can currently pay with the associated virtual cards and top up in 24 currencies from your business bank accounts and payment gateways. Top-ups via unrelated third parties and sending money out of USD and EUR accounts are coming soon.

What are the fees for FX and bank transfers?

All pricing information can be found here.

Where can I find my Juni account details?

Simply go to the Accounts tab in the menu on the left side of your Juni dashboard. Under each Juni account, there will be a button that says View bank details. Click the button to see the corresponding account information.

Can I receive money in my Juni account from Stripe?

Yes. You will integrate your Juni bank account the same way you would integrate any other bank account.

About integrations

How do I integrate my Juni account with my other bank accounts and services?

To integrate your other bank accounts and payment gateways with the Juni platform, simply click Integrations in the menu on the left side of the screen. Then click Add integration and follow the instructions.

Why should I integrate my other bank accounts with Juni?

By integrating your other accounts and financial services with Juni, you will be able to keep track of all your accounts in one place. This makes it much easier to manage your funds.

Many ecommerce entrepreneurs and media buyers struggle to keep track of their funds because of the way the money moves around the ecosystem. We created the Juni platform to make it easy for you to track all your finances from one dashboard.

What personal data does Juni receive from my integrated banks and services?

We collect data on transactions and balances so that we can display it in your Juni dashboard. We do not collect data for other purposes than what can be seen in our product. You can read more about how we handle data in our Privacy Policy.

Can I integrate multiple accounts from the same service?

Yes you can. For example, if you have several accounts with Wise, you can add all of them by simply following the instructions in Juni.

Adding credit to your Juni account

What is credit from Juni?

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Juni offers eligible UK companies credit lines of £10k to £2million* on 37-day or 60-day payment terms. This means that you have a one-month window to spend money on your card. At the end of the month, you’ll receive a statement showing all the money you’ve spent and how much you need to repay to Juni. You’ll then have seven days or thirty days to pay off your statement, depending on the terms you’ve agreed with us.

Terms and conditions apply. Juni Capital Ltd provides a credit a line which can be spent only through the Juni card. Click here for more details.

What do Juni customers use credit for?

Our credit lines are specifically designed to improve cash flow and pay for online advertising. Most credit is spent on platforms like Facebook, Google, TikTok and LinkedIn.

How do I apply for credit from Juni?

We currently offer credit lines to eligible UK companies only. You also need to be a Juni customer before you can apply. If you haven’t already done so, sign up for a Juni account and go through our KYB process. Once that’s complete, you can go to the “Credit” tab on the Juni platform and apply for credit. You’ll need to connect all your financial accounts to Juni in the Integrations section. Please integrate all accounts you have available, including bank accounts, cards, and payment processors like PayPal. We require at least three months of trading history, connected by open banking.

What are your card limits?

Card limits are the maximum value of unpaid purchases or liability that you can have at any given time. At Juni, this liability includes unpaid statements, plus any new purchases in the current month that haven't yet generated a statement. The card limits for our customers are set during the offer stage.

How does Juni decide who is eligible?

We assess companies based on many factors, including the company's age, trading history, industry, credit check results, finances, existing debt, and cash. We’ll provide you with an answer regarding your application within two business days of your submission. You can find more information on how we process data in our Fair Processing Notice here.

Does cashback apply to credit spend too?

We offer up to 1% cashback on eligible credit spend, but this will vary according to our underwriting processes and will be confirmed during the offer stage.

How long does it take to get a decision?

We aim to provide an answer within 2 working days of your application. You’ll need to connect all your financial accounts to Juni in the Integrations section, including bank accounts, cards, and payment processors like PayPal. We require at least three months of trading history, connected by open banking.

How quickly is the money available?

Once approved, you’ll need to log in to the Juni platform and sign our credit terms and conditions. Your credit will then be available to use immediately.

I need to sign the terms and conditions but I can’t see them - why not?

At the moment, only the account owner can sign our credit terms and conditions. If you can’t see these it’s likely because you are an admin on the account, not an owner. Please contact the account owner and have them sign so that you’ll be able to start using the credit assigned to you.

We’re here to help

The Juni platform

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The Juni card

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The Juni IBAN accounts

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Integrations

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Frequently asked questions

About The Juni Platform

Is Juni available in my country?

What type of businesses are accepted?

Where is Juni based?

Where and how is Juni regulated?

Are my funds held in my Juni account covered by the EU Deposit Guarantee Scheme?

How can I trust Juni to keep my funds safe?

How does Juni store my data?

Does Juni have a referral program or an affiliate program?

Does it cost anything to join Juni?

If my account has been blocked, what are my options?

Why is my account blocked?

Why am I being asked to provide more information?

Why do I need to verify my source of funds?

After closing my account, when will my data be deleted?

Why is Juni holding my money?

What happens to my funds if my account is closed?

If my account is being closed, can I appeal this decision?

How do I talk to someone about my account?

About the Juni card

How does the Juni cashback work?

How do I claim the cashback that I’ve earned?

How many virtual cards can I create?

How many physical cards can I have?

Does the Juni card work with Facebook and Google Ads?

What currencies can I get on my Juni card?

Who is eligible for the Juni card?

Does Juni check my credit score?

Does Juni offer credit?

About the Juni IBAN accounts

Does it cost anything to open a Juni IBAN account?

In which currencies can I get a Juni IBAN account?

Where is my money stored?

What types of bank transfers can I make?

What are the fees for FX and bank transfers?

Where can I find my Juni account details?

Can I receive money in my Juni account from Stripe?

About integrations

How do I integrate my Juni account with my other bank accounts and services?

Why should I integrate my other bank accounts with Juni?

What personal data does Juni receive from my integrated banks and services?

Can I integrate multiple accounts from the same service?

Adding credit to your Juni account

What is credit from Juni?

What do Juni customers use credit for?

How do I apply for credit from Juni?

What are your card limits?

How does Juni decide who is eligible?

Does cashback apply to credit spend too?

How long does it take to get a decision?

How quickly is the money available?

I need to sign the terms and conditions but I can’t see them - why not?

Start using Juni within a week