You can create Jars to suit your life, your budget and your goals.
Think about your everyday spending, how much goes on food, bills, travel, nights out and hobbies or towards longer-term plans, like holidays. From your Home screen, create a few Jars to reflect these categories by tapping the + button. Name it, choose a colour and set a target and then transfer some money from your bank to your HyperJar account. To do this tap on your Account tab and you will see your account details or swipe left at the top of Home screen and you’ll see both your sort code and account number. The transfer will take 1-2 hours to arrive in your Wallet, and you can split it between the Jars to reflect how you want to spend it, and maybe leave a small balance in your Wallet.
Explore our H Money Partners
You’ll see our partners on the Explore screens, from Lidl, Shell and Dyson to Virgin Wines, blow LTD, Kano kids’ computers and lots more. You can Favourite them, which means you’ll see their logo on your Home screen and any offers and incentives they’re running. Or, if you know you want to spend with them in the future, you could get H Money with them and choose to commit money upfront and start getting a 4.8% Annual Growth Rate on everything you pay in and added to your Jar daily.
You can spend directly from any Jar by linking it to your card before you spend. Just tap on the Jar, press Link, and that Jar will now be where your money comes from when you use your card. You will know which Jar is linked, because it will show a card icon inside. If you’re spending with one of our merchants and you have H Money with them in a Jar, the H Money gets spent first automatically. If you don’t have enough H Money to cover the cost, it will dip into any cash you have in the Jar to make up the difference. If you spend more than you have in your Jar, any extra money will come out of your Wallet. And if there's not enough in the Wallet to cover the spending, the transaction won't go through: you can never be overdrawn with HyperJar.
Backup Payment Source
Whether you want to spend from one of your Jars or your Wallet, you can also choose a Backup. A Backup is handy for when you don’t have enough money in a Jar that’s linked to your card to cover the whole amount. For example - you are buying something that costs £10, and your card is linked to a Groceries Jar, which has a balance of £5. Choose one of your other Jars as Backup and the remaining £5 will come from there.
To setup a Backup, tap the Jar you want to have a Backup payment source, tap the settings cog in the top right corner and tap on Backup source and select from options. If there is no Backup source tap “Use a backup payment source” to activate and select your option.
A lot of our budgeting, planning and spending is done with other people. Shared bills, group holidays, joint presents or just a night out with friends. A Shared Jar works like a pop-up joint account for 2 – 100 people, with none of the hassle or commitment. Tap on a Jar, press Invite, and you can add others by Bluetooth or scanning a QR code if they're nearby, or from your Contacts. If you're the Shared Jar Owner, you set the permissions for other people: who can pay in, spend from, and see the Jar. You can also leave Notes for each other in a Shared Jar: "Hey guys - spent £20 on food but forgot ketchup...''.
If someone else invites you to share a Shared Jar, they set the permissions, so make sure you're OK with these before putting any money in.
Send and Request Money
You can Send money by selecting a friend from the Friends section on the Home screen or can send money to another HyperJar user by clicking on the Jar you want to send the money from, click Send To a friend, choose the person, select the money type within the Jar, enter amount and send.
You can Request money by selecting a friend from the Friends section on the Home screen or you can Request money from another HyperJar user by clicking on the Jar you want to receive the money, add amount, create payment link and choose which channel you would like to send the request. A Money request will then be sent from you to the other HyperJar user.
Buying H Money
In the Explore tab you'll find all the shops, brands and businesses that we have partnered with. If you prepay with one of them - like Lidl, or Shell, or Virgin Wines - you'll get an inflation-beating 4.8% Annual Growth Rate on the balance you've paid in. This is calculated daily and added to whichever Jar this H Money sits. You can mix different H Money in the same Jar. So, you might have a Christmas Jar, with £100 Lidl, £50 notonthehighstreet, £50 Feelunique and £50 Shell and add a bit of budgeting money in there to spend on bits and pieces. All the H Money grows until you spend it.