Jazari Reviews 34

I opened an account and I got a remit loan for 100 with a £10 fee, something bad happened in my life and around October I lost accsss to my number around when the first payment was due, I tried to email and they said they can’t change my number for security reasons, so now my credit file has been damaged thanks to this company because they won’t let me pay. I would like compensation!!!

I am experiencing extremely hard financial difficulties with £14,000 of debt with other creditors and this company is refusing to put the account on hold/breathing space for 30-60 days which is a government backed law. I wanted a 30-60 day hold on my account to get time to contact stepchange to work out a resolution. I have asked 3 times to create a complaint regarding this and each time it is refused as it is an internal policy that they cannot create complaints for the above. I require a final complaint letter from this company to forward to the financial ombudsman service. It’s an absolute disgrace they don’t care if you’re in financial difficulties, they just demand the funds back or it will affect my credit file which does not bother me anyway.
They have also given me money without conducting sufficient checks which is irresponsible lending. There also refusing to create a complaint for this also.

I URGE anyone of thinking of using this CON company to stay away for your own sake. I will now be taking the relevant steps by contacting there CEO, national news, Financial Conduct Authority, Financial Ombudsman and I WILL take legal action where required to take this disgraceful discrimination company down!

I'm waiting for money that is transfered to me it's not been released by this bank . Plase release my money waiting since Saterday

I am experiencing extremely hard financial difficulties with £14,000 of debt with other creditors and this company is refusing to put the account on hold/breathing space for 30-60 days which is a government backed law. I wanted a 30-60 day hold on my account to get time to contact stepchange to work out a resolution. I have asked 3 times to create a complaint regarding this and each time it is refused as it is an internal policy that they cannot create complaints for the above. I require a final complaint letter from this company to forward to the financial ombudsman service. It’s an absolute disgrace they don’t care if you’re in financial difficulties, they just demand the funds back or it will affect my credit file which does not bother me anyway.
They have also given me money without conducting sufficient checks which is irresponsible lending. There also refusing to create a complaint for this also.

I URGE anyone of thinking of using this CON company to stay away for your own sake. I will now be taking the relevant steps by contacting there CEO, national news, Financial Conduct Authority, Financial Ombudsman and I WILL take legal action where required to take this disgraceful discrimination company down!

I feel this review is HIGHLY accurate and I have evidence to supply. Currently contacting local law enforcements regards this

Every time I send money, they place the transfer on hold whilst they complete some ‘review’ or ‘checks’. They keep saying this is needed to comply with FCA regulations, but as a person who has used 25+ banks in the UK for both personal and business banking, I can tell you that 99.9% of all local transfers are completed instantly. I understand if the bank has questions every now and then, but they place ALL my transfers on hold, ask for no evidence or information, and just keep giving generic, AI responses copy and pasted when I ask for an update. No transparency, no honesty, and no understanding. I sent money to another one of my accounts (it’s in my name clearly), I sent more to my
Brother, who has the same surname as me, and is a regular payee on Jazari for me, and had an emergency; I sent more to my landlord, whom I have a signed contract with; and yet they don’t understand that any of this is urgent, and place meaningless checks on every single outgoing payment. Never seen anything like this in my 14 years in the UK.

They are not upfront about the fact that Open Banking + use of their prepaid features without Remit Now Pay Later has little to no impact on their decision to let you use the credit feature - which is the whole point of their app to be honest, they are not a reputable bank and cannot be trusted not to freeze real money like salary, at least with credit you can be sure its their money at risk not yours.

They use SteadyPay, for some reason, whom once they decide do not like you as a credit profile, will not change their mind but the Jazari app pretends every 14 days that it runs a new eligibility check and encourages adding more banks to it, data harvesting perhaps?

I have waited a few months before writing this, every 14 days and still not offered anything. I am not bitter about being declined, the problem I have is that they do not decline you upfront and lead you on to use their normal service as a prepaid card, again unless its credit I don't see the point besides the fact they are a fintech startup and the irony of them expecting you to trust them with your salary or finances but cannot trust you to send £100 pay later.

If they do not offer you their finance credit which is the core product, do not trust them with your money. A common theme with these companies is that they use a third party provider, who flag normal everyday salaries and transactions, then Jazari (in this case) has to take your documents and forward it to the payment provider who may take weeks in some cases to approve and unblock the account / give approval to authorise the funds to be used. Use a normal bank, prepaid cards are not to be trusted, their only business model should be RNPL, to avoid the hassle, and decline upfront if their silent partner SteadyPay doesn't want to front the cash for a transfer on credit.

I opened a Jazari account expecting basic modern banking features, but they do not allow customers to change their registered phone number “for security reasons” and admit there is currently no process to do it. When I asked what would happen if my number is disconnected, support could not offer any safe alternative like updating the number via ID checks, in‑app verification, or another recovery method.Every other UK bank and fintech I use (Lloyds, Barclays, Monzo, Tide etc.) lets you update your number securely, so Jazari’s policy feels outdated and risky because losing the SIM could mean losing access to the account entirely. The agent kept repeating that other banks’ policies “don’t apply” instead of addressing how customers are supposed to keep their contact details up to date as their own terms require. For a financial service, refusing to let customers update such a critical security detail is unacceptable, so I cannot recommend Jazari at all.

TLDR:
I received around £300 from my friend.
The incoming fund got on hold by Jazari.
Jazari requested full name, address and DOB of my friend.

This is ridiculous.

Talked to them and they simply replied they need to adhere to regulations. Let me tell you how they breached the regulations and guidelines.

FCA Principle 6: Customers’ Interests

Principle 6 of the FCA Handbook states:
“A firm must pay due regard to the interests of its customers and treat them fairly.”
This principle requires firms to ensure that any requests or actions, such as information collection, are reasonable, proportionate, and fair to the customer.

-> the requested info is unreasonable

Risk-Based Approach to CDD (Money Laundering Regulations 2017 & PSR 2017)

Under PSR 2017 and Money Laundering Regulations (MLR) 2017, firms must apply a risk-based approach:
"The customer due diligence measures shall be applied on a risk-sensitive basis; firms must calibrate the extent of CDD measures to the risks identified."
This means firms should only request information like date of birth and address where the risk of money laundering or fraud justifies it.

The FCA’s SYSC 6.1.1G (Senior Management Arrangements, Systems and Controls) requires:
“Firms should ensure that systems and controls operate effectively to require that decisions to request enhanced identity verification are proportionate and based on genuine risk assessments.”

-> a single, low valued transfer is definitely not a pattern of money laundering or fraud.

Great, especially for someone with bad credit, this is good for emergencies

This app is absolutely rubbish — but the biggest problem isn’t even the app itself, it’s the customer service. They are dishonest, disrespectful, and completely disengaged with customers.

After reading many bad reviews, I decided to share my own experience — and unfortunately, it’s just as terrible as others described.

1️⃣ Opening the account:
It was a nightmare. I faced constant problems uploading my documents and selfie verification. I almost gave up, but after many attempts, my account was finally opened.

2️⃣ Using the account:
Once it was open, I realised it had limited access for sending money abroad. Common destinations like Poland 🇵🇱 weren’t even available! On top of that, I couldn’t add money to my account — every single payment attempt was declined. It was extremely frustrating.

3️⃣ Trying to close the account:
I contacted customer service to close my account. After a few messages, they said it would be closed within 5 days — fine, no problem. But then they kept messaging me, asking me to stay because “new features are coming soon.”

I agreed to stay and asked them to reopen my account, which according to their own T&Cs should have been possible.

4️⃣ The customer service disaster:
I spoke with three different people on chat and was left with no real answers.
• Bushra completely misunderstood my message and wished me good luck instead of helping.
• Zarnen told me they were “actively working on it” and would update me soon — but never did.
• After several days, Fizza finally replied saying that they had decided to close my account anyway!

At that point, I honestly felt relieved — because it was clear they had no respect, no communication skills, and no willingness to help customers.

5️⃣ Final thoughts:
I’ve read many similar reviews, and now I completely believe them. This company won’t last long on the market if they keep treating customers like this.

Before opening an account, think twice if you really need it. And if you plan to use a credit line, be aware — if you already have a SteadyPay, Pockit, or Monese account, you won’t be eligible, as SteadyPay only allows one active account for their features.

💬 In summary:
This account is rubbish, the customer service is useless, and the whole experience is a waste of time. Sorry, but that’s the truth.

This frustrated,fraudulent organisation has closed my account illegally and Still holding my funds illegally for no reasons. A protest against this fraudulent people will be holding on the 20th of this month. This type of Fraudsters should not be playing with people's mental health, hard earned money and their fundamental rights to live. they have already violated the FCA and OFSI regulations and must be dealt with before they inflict more pains to the struggling society.

Been 1 month and yet money still suspended by the bank I’ve told the team to close my account and return the funds back to me or back to hmrc
This is was legit money left me starving 1 month yet they keeping asking proof for some random transactions came in they keeping stalling
and they keeping saying if I want my money return to show proof and satisfied them yet they dont understand I can fail to comply and they obligated to rerun my funds and close acc I’ve took action reported them to FOS FCA COURT AND I might get a lawyer or solicitor to step in

Don’t waste your time opening had this for two weeks was able to use it once after that payments sent in would decline and sent back to original sender. Spoke to customer service didn’t have a clue said it was known issue with payment provider. This morning get a message in the app saying after a internal review there closing account I have a perfect credit rating this bank was just for online spending I have 6 other banks on high street so they clearly have issues and just removing customers who complain be aware

Unable to use the services - customer service as useful as my toe

Pointless app and service I opened account no bother at all. Tried to deposit money into account but it got declined straight away. I try get help from live chat but they just say we will look into it and get back to you. That was now a week ago and when I ask for a update they just say we will let you know when we find out. Stay away from these it don't seem right

Can not send payments to or from my Jazari account and can not withdraw money using Jazari card and can not make payments in shops,I have a remit now pay later repayment to make for £110.00 but I can
Not transfer money to my account to clear this balance which is gue in 15 days,So looks like this will be a late payment and will
Affect my credit,but it shouldn’t because
It’s not my fault,This is down to Jazari,This has been going on since 19th September,I cannot use my account for anything,Everything keeps getting declined,nothing pending just declined,And Jazari keep saying same
Response and nothing is happening.i don’t know what to do it’s been stressful

Useless shit. There no point of this people/app existing. Not worth the time, the storage on your phone or even saving your money with them. It’s a SCAM

It is not worth it. A £10 charge for using £100 for a month? Wow ! Used it once, never again.

Don’t trust the good reviews.

This Jazari is a shambles, do not be tempted by the remit now pay later. This is all a smoke screen, as soon as there is an issue it’s complete outage for all customers.

FCA and the Ombudsman are fully aware of this company and I can only assume that it won’t be long before it’s closed down.

Stay smart and look after your money and mental wellbeing.

With no warning, cannot access my funds or use my card for payments since 19th sept 2025. Every week for the past 4 weeks when I received my wages they hold it, prevent me from getting to it immediately from when it’s sent and they say they don’t know why I keeps happening. Now support is barely responding and giving the same generic responses of their payment processor having issues.