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 Mastercard Corporate card

Want to learn more about the Juni Mastercard? 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 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 (company number: 559248-0908) is a Swedish fintech company, with our registered address at Masthamnsgatan 21, 413 28 Gothenburg, Sweden, who is licensed and registered as an electronic money institution with the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) with the authority to issue electronic money (“e-money”) and provide payment services (License no: 64025) to customers in the EU/EEA.

For UK customers Payment Card Solutions (UK) Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 930619).

For detailed information about our regulated authorities, please see our Imprint page.

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 e-money in your Juni accounts is deposited into a ring-fenced account with our partner bank. This means that your money is safeguarded and segregated from our own funds.

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 privacy@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 up to ten years following the termination of our contract. 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.

Does it cost anything to join Juni?

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

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

From the moment your account is blocked, you will be unable to access any funds or make payments.
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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 co support@juni.co.

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Why is my account blocked?

Accounts can be blocked for a variety of reasons. In our Terms and Conditions, you can read more about the reasons for blocking accounts.
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If your account has been restricted, you will receive an email with an explanation. If applicable, this will also include a list of the next steps.
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As a financial institution, there may be instances where we are legally unable to share the reason your account has been closed or blocked.
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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 30-day 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 must 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 up to ten years. For more information about the retention periods please read our Privacy Policy.

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 Mastercard

How does the Juni cashback work?

With Juni, you get 1% cashback on eligible purchases. All completed transactions on the Juni Mastercard 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 Juni Mastercards can I create?

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

Does the Juni Mastercard work with Facebook and Google Ads?

Yes. The Juni Mastercards work with these two major ad networks.

What currencies can I get on my Juni Mastercard?

We offer Juni accounts, as well as virtual Juni Mastercards in USD, EUR, and GBP.

Who is eligible for the Juni Mastercard?

Any Limited Liability Companies (LTD, PLC, LLP, BV, AB, EEOD) registered in the UK and EEA is welcome to apply for a Juni account and subsequently create virtual Juni Mastercards 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 e-money in your Juni accounts is deposited into a ring-fenced account with our partner bank. This means that your money is safeguarded and segregated from our own funds.

What types of bank transfers can I make?

You can make transfers between your Accounts, from your account to another Juni customer’s account and SEPA transfers from euro accounts to other euro accounts. Your accounts can be topped up in 24 currencies from your business bank accounts and payment gateways. Top-ups via third parties are coming soon. Please note that we do not support bank checks or cash deposits.

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 Juni Mastercard. 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 the limits of the Juni Mastercard?

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 Juni Mastercard 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 Mastercard Corporate card

Go to section

The Juni IBAN accounts

Go to section

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 Mastercard

How does the Juni cashback work?

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

How many virtual Juni Mastercards can I create?

Does the Juni Mastercard work with Facebook and Google Ads?

What currencies can I get on my Juni Mastercard?

Who is eligible for the Juni Mastercard?

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 the limits of the Juni Mastercard?

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