General Questions

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  • JN Bank Easy Access Savings Account 
  • JN Bank Fixed Term Savings Accounts – 1 year to 5 years : new rates coming up soon!
All UK residents age 18 years and over, who have a UK mobile phone, email address and a UK bank account.

Interest rates depend on the amount and length of time the funds will be in your account. 

This is a basic savings account that allows you to save on your own terms and access your funds to use at any time. Open with at least £1 and a maximum limit of £500,000. The daily withdrawal limit is £50,000.
  • This type of account pays higher interest rates than a JN Bank Easy Access Savings Account  
  • Interest is earned on a one-off deposit at a set amount of interest, for a specific time period of your choice, ranging from 1 to 5 years
  • The rate is fixed when you open the account and you must comply with its terms and conditions 
  • Withdrawals are not allowed from JN Bank Fixed Term Savings Accounts during the term 

Go to and complete the Account Opening Process online. 

You may also visit our branch in Brixton or call our Customer Services team on 0808 196 1945 for assistance

The account opening process can all be done electronically. However, in some instances you may be asked to produce the following: 

  • a Valid Photo ID (passport, driving licence, government issued ID) 
  • proof of UK address (utility bill, bank statement or Council Tax bill) dated within the last 3 months 

Once you have completed the application process, (including the upload of any documents if applicable), your application will be processed. Once your account is open, we will email you with your account information, including: 

  • sort code 
  • account number
  • account opening date. 
You will be contacted by our Customer Services Team. The documents required are outlined above. If you have any queries, please do not hesitate to get in touch.
Any required document can be submitted via email. If additional documents are required, our Customer Services Team will contact you.
This is any UK bank current account, in your name, that you can link to your JN Bank, so you can transfer funds into and from it.
Existing customers wanting to open an additional JN Bank account, simply need to sign into internet banking and select the relevant option.
Simply log in to your profile on the JN Bank internet banking site, send us a secure message detailing the changes.

You need to either: 

  • send us a secure message via internet banking 
  • or call the Customer Services team on 0808 196 1945 
We will be sorry to see you go and would welcome your feedback to ascertain how we could resolve any future queries.
No, JN Bank UK Ltd is a separate entity. To become a customer of the UK bank you need to open a savings account or take out a loan with us. You can apply for both at For more assistance, visit our branch in Brixton or contact our Customer Services team on 0808 196 1945. We would be happy to have you as a customer so please get in touch if you want to know more.
If you wish to open an account with JN Bank UK Ltd you are required to complete the application process. In some instances, no documentation will be required, however, where this is required, our Customer Services team will contact you.
All funds paid into your account with JN Bank UK Ltd need to be paid from your nominated account, as such, you will need to request a transfer from JN Bank in Jamaica to your nominated account and then move funds to your JN Bank UK Ltd account. The JN UK Representative Office team can assist or guide you in completing the transfer of funds to your nominated account.
Taxation is based on individual earnings and we cannot advise on this. You may however, visit the HMRC website for details on your tax obligations or speak to a tax advisor.
Once you have opened a JN Bank Savings Account, you must fund with the minimum specified amount within 14 days of the opening date.
Once your account is open, you have 14 days to fund it. If you decide not to do so within this timeframe, your account will be automatically closed on day 15.
Not at this time. However, we know this is important for many customers, so we are working on making this available soon.
No. All JN Bank UK Ltd Savings Accounts are domiciled in the UK, with FSCS protection where applicable.
JN Bank UK Ltd is a separate entity, as such, JN Bank in Jamaica will NOT be able to assist with your account.
All funds from your JN Bank UK Ltd account must be paid into your UK nominated account, however, you may move funds to your UK nominated account and utilise the different options offered by JN Bank Jamaica to transfer funds. You may visit the website for details or contact the JN UK Representative Office.
No, as we do not currently offer a current account. However, we do offer loans, so please visit if this is something you are interested in.

Interest is calculated daily and paid to you monthly on all JN Bank Easy Access Accounts.  

Interest is calculated daily and paid annually to you on all JN Bank Fixed Term Savings Accounts.

JN Bank offers savings and loan products to all UK residents, but knowing that you are a member of the JN Group will allow us to structure future product offerings in a bespoke and tailored manner to best meet your personal needs.

From March 2020 UK banks are implementing a “Confirmation of Payee Service” as a way of helping their customers and ensuring that they are making payments to the intended recipients.  For banks not yet set up for this service, such as JN Bank, a message will be displayed informing you that the intended payment details cannot be verified. Until the system is extended to all UK banks, including JN Bank, we ask that you carefully verify that you have entered the JN Bank Sort Code and Account Number correctly prior to confirming your payment instruction.

JN Bank UK does not offer mortgages and doesn’t work with mortgage lenders, intermediaries and / or brokers. If you spot a scam or have been scammed, please report it to or contact our Customer Services Team (0808 196 1945, 2pm-8pm). You can help to protect yourself against scams by visiting the FCA’s Scam Smart site or Action Fraud.

Before you Apply

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We offer unsecured personal loans ranging from £1,000 to £15,000, with terms from 1 to 5 years, under the strict condition that you are a homeowner.  You can only take out 1 loan with JN Bank UK at a time, however you can use your personal loan for almost anything except buying shares, a deposit on a house, or for paying a tax bill. Here are some typical examples: 

  • Vehicle purchase
  • Debt consolidation
  • Home improvements
  • Special holiday
  • A special life event, like a wedding or anniversary party

To apply for a loan with JN Bank UK you must:

  • Be a homeowner with or without a mortgage
  • Be over the age of 21
  • Have been a UK resident for 3 years or more
  • Have no active or pending CCJs, bankruptcies or IVAs
  • Be employed, self-employed, or retired with a minimum monthly income of £1,000 after tax
  • Have a UK mobile phone number and a valid email address
  • Have a UK bank account with a direct debit facility
  • We have currently restricted borrowing to one loan at a time. So, if you already have a loan with us, you will not be eligible to apply for another loan.
No. You need to be a permanent UK resident for at least 2 years to apply for a loan with JN Bank.
You can apply for a loan with JN Bank if you have been a permanent UK resident for the last 2 years and if you pay UK tax on your income.
All applications must be made via our website.
Use the ‘Apply’ button on any of our website pages to check your eligibility.
Yes. JN Bank UK Ltd is a separate entity, licenced and regulated in the UK.

 You will need to: 

  • have been a UK resident for 2 years or more 
  • be aged 21 or older
  • provide information about your employment status 


Besides that, you will be asked a number of questions about your employment details and your income and monthly outgoings. You will also need to provide details of a UK current account in your name, from which Direct Debits can be set up.  


These documents may also be requested: 

  • valid photo ID (e.g. UK passport or driving licence)
  • proof of UK residence for 2 or more years
  • proof of income and employment 

Proof of being a UK bank current account holder: 

  • bank statement

Proof of income/employment: 

  • bank statements
  • benefits/tax credit letter

Proof of self-employed income: 

  • 2 months’ personal bank statements and the latest year’s tax return
  • 2 months’ personal bank statements and 2 months’ business bank statements

Proof of identity (must be in date):  

  • passport (and residency permit if applicable)
  • EU National ID card
  • driving licence (photo ID only)

Proof of address (dated within the last 3 months):  

  • bank statement
  • utility bill
  • Council Tax letter
  • benefits/tax credit letter
  • pension letter
If we need you to send us any documents, we will send you an email requesting you to log into your account and upload the relevant documents online.

Yes. At JN Bank we aim to help as many people as possible with their financial circumstances, whilst ensuring we are lending responsibly. If you are employed, self-employed or retired, we are happy to review your loan application – provided you have an income over £1,000 after tax. We may need to request additional information and documents to verify your income, but we will make this clear during the process.

Yes, benefits can be included within your income.  


However, we do not accept unemployment related benefits such as Job Seekers Allowance (JSA) or Employment and Support Allowance (ESA). Your income must be regular and sustainable during the term of loan.

Currently we are only accepting Personal Loan applications from customers who are homeowners, and we are restricting the number of loans to 1 at a time. We hope to return to our usual criteria of accepting applications for all eligible customers, and we will update our website and application process at that time.

Cash based income is acceptable provided it has been declared to HMRC on your tax returns (SA302s) which we will need to see. As a responsible lender, we need to ensure your income is regular and sustainable for the duration of the loan.
Yes, all JN Bank customers must have a valid UK current account that can process Direct Debits.

There are four steps to getting an unsecured personal loan with JN Bank UK:

Step 1: Choose how much you would like to borrow and over what term. You can choose a loan between £1,000 to £15,000 over 1 to 5 year terms.

Step 2: Submit your details and financial information to get your quote, without any impact to your credit score. We only conduct a soft search on your credit file at this stage. If accepted, you will be offered a personalised interest rate.

Step 3: We will send you information about your loan, including your contract, and terms and conditions – which can all be signed digitally. At this stage, a hard search will be placed on your credit file.

Step 4: Once we receive your signed loan documents, we will authorise the loan to be paid to you. This can take up to five working days.

By completing a full application for a loan, we will request your credit file report from a leading credit reference agency. They will provide us with information about your credit history and this search will be visible to other lenders. There may also be a change applied to your credit score as a result. 

If your application is successful and you take out a loan with us, failure to repay your monthly payments on time would be shown on your credit file and may harm your score.  

We will always try to help if you are finding the repayments difficult to meet. If that happens, never hesitate to call our Customer Services team on 0808 196 1945  

You can check your credit report by contacting any of the credit reference agencies in the United Kingdom. Your credit reference file should include information from the electoral roll and other public records. It will also reveal any current County Court Judgments, insolvency and bankruptcy data.

Once we have approved your loan, the funds will be credited to your nominated UK current account within a maximum of five working days, although this can often happen much sooner.

Being eligible for a loan does not guarantee you will be approved after the full application is submitted. 

The full application requires obtaining a full credit file report, assessing your ability to repay the loan you have applied for, and we may also need to re-validate your eligibility if some time has passed since the first check was carried out. 

You may need to give us some more information to support your application, such as proof of your identity or address. This can be done easily online via our website. 

In some circumstances, we may have to decline your application as part of our commitment to be a responsible lender.

Yes. Applicants must have a UK bank account registered in their own name. 

We may at any time conduct checks against various industry databases to verify your details to comply with money laundering regulations to protect against identity theft and fraud. 

Our address verification system electronically validates that your bank account is registered in your name and at your current home address. Therefore, if you have recently moved it might be a good idea to contact your bank with your new address.

No, neither do we apply any fees to the loan advance, or include them in your repayments. 

Our borrowers receive the whole amount of the loan offered. Before you take out the loan you will always know the interest rate and the total you will have to repay over the life of the loan.   

We may apply fees if you miss scheduled repayments or they fail to be cleared in the time stated within your agreement with us. However, we will try to contact you to ensure that you are aware of this at the time.  

With a JN Bank Personal Loan, you will always know its total cost. 

Before you apply, our loan calculator provides an illustration of your monthly repayments - based on the amount you hope to borrow, over your chosen repayment term.

If your loan application has been accepted, we only need your assistance in specifying how you would like to make repayments. This is done by setting up a direct debit to your nominated bank account.  

We will let you know if we need to check anything else regarding your application. This may require documentation to be provided to help verify some of your details. These documents are known as JN Bank Acceptable Forms of Identification and are used to confirm your identity, home address, income or bank account. This protects you from criminals who might try to use your identity without you knowing. 

If you are asked to provide this documentation, please make sure that: 

  • The name and address detailed on your identification is the same as the name and address you provided us during your application
  • Your proof of address is dated within the last three months
Your proof of bank account shows name, sort code and account number

After you Apply

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If you have any details you wish to update, please log in to your account and use our secure messaging system to send us your request. Please be aware there may be a small delay in replying to your secure message. 

To speak to our Customer Services team, call 0808 196 1945.
Please send us a secure message requesting a change in your direct debit or alternatively you can call our Customer Services team on 0808 196 1945.

All details of your loan are available any time you log on, or alternatively you can send us a secure message requesting this information.

No. JN Bank UK Ltd will never charge you for making extra payments or for settling your loan account early. In fact, we encourage it as over the term of the loan you will pay less interest and settle your loan quicker.
You can transfer funds direct from your nominated Bank Account to your loan or transfer from a JN Bank UK Ltd savings account. We cannot accept any payments outside of these options, made directly to our account number and sort code. Neither can you make any repayments using a standing order.

If you want to know your settlement figure you can send us a secure message once logged in to your account. You can also call our Customer Services team on 0808 196 1945. Alternatively, you can visit us in our Brixton branch where a staff member will be happy to help.  

You can also contact us via email at or by writing to us at JN Bank, 410 Brixton Road, London SW9 7AW. 

Please note: 

  • any settlement figure is valid for 28 days from the date it was requested and calculated
  • JN Bank will provide this figure no later than 12 days after the request
  • in accordance with the Consumer Credit Act, if you settle early you will be entitled to any rebate of interest that may be due
  • any repayments due during this time must still be paid
the settlement figure will include charges for any previous late payments owing.
If you change your mind about having the loan, you must tell us within 14 calendar days of receiving the money into your account, by calling 0808 196 1945. Provided you repay the money in full within 30 calendar days, no interest will be due and no fees applicable.
When you originally applied for the loan, you will have received an email with the Terms and Conditions as an attachment. You can also download a copy by logging into your profile.

You can reset password details via our online login screens. 

If you have forgotten your username, please call our Customer Services team on 0808 196 1945.
The interest on your JN Bank Personal Loan is calculated daily on your remaining principal balance and charged within your monthly repayment. The interest rate at which your repayments are calculated can be found in your Loan Agreement, Adequate Explanations and SECCI documents. This is a fixed rate loan so the interest rate cannot be changed during the term of the loan.

Debt Consolidation

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It’s the process of combining all of your existing debts (loans, credit cards etc.) into one new debt – such as a personal loan, the debts are all in one place, with one fixed interest rate, one set of repayments and a clear end date to paying off that debt. Debt consolidation is not right for everyone but is one of the ways to control and amange your debt.

It works by using the funds from the new loan to pay off the other outstanding forms of debt you have in one go.

Consolidating debt has benefits, the most beneficial being a single repayment rather than many. Consolidation may save you money and may reduce the stress associated with juggling multiple debts. You will need to carefully review interest rates, charges and other terms on all of the existing finance that you would like to repay, then compare this to the interest, fees and charges of a debt consolidation loan. It will also get you into the habit of making regular payments.

If you have applied for a JN Bank Personal Loan, you will need to draw on the loan and pay your outstanding debts. Repayment of existing debts can be complicated, as you may need to contact your finance company to obtain what is called a settlement figure, needed to clear the whole of an outstanding amount.  In some cases you may be asked to pay substantial amounts that are charged as of early repayment fees, which may mean it is cheaper not to repay with a debt consolidation loan. You will also need to arrange the cancellation of any accounts and pay any outstanding fees.

Yes. All lending will appear on credit scores from credit reference agencies that receive information from a debt provider. Other lenders to whom you submit a credit application can see this and may decide that you have already received enough finance, declining your application. There is a common misconception that obtaining a debt consolidation loan affects your credit rating in a negative way. Consolidation Loans do not usually create a different category of credit entry on your report compared to other unsecured debt, so there is no difference to that of a standard personal loan application.

Here are some links to the three biggest credit reference agencies in the UK that provide more information on credit scores:




Retail Finance

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We only work with retailers who deliver a good customer experience. However, we know that things can go wrong from time to time. Please let the retailer know first if you have a complaint about their goods or services. They will try to put this right for you.

If your complaint is not resolved by the retailer, please let us know. You can find out more about our complaints policy here.

How To Complain

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It is easier to resolve your complaint if you make them directly to us, so please contact us so that we can resolve any problems as quickly as possible. You can make your complaint by one of the following methods:

  • By email to or via our secure internet bank messaging service
  • By calling us at 0808 196 1945 between 2pm and 8pm, Monday to Friday (except Bank Holidays)
  • In writing to us at 410 Brixton Road, London SW9 7AW

Please include:

  • Your full name, address and account number
  • As much as you can about your complaint
  • What has gone wrong
  • How we can make this right

What happens when you have complained?

On receipt of your complaint, we will provide a written acknowledgement within 3 working days.

Our complaint process has two stages:

Stage 1 – Straightforward Resolution

This allows us to quickly resolve complaints that require little or no investigation. We aim to do this within 3 working days. Should the complaint be more complicated than we originally thought, we will conduct a more detailed investigation. In the event that your complaint will take more than 3 working days to resolve, we will provide a written update to confirm this.

Stage 2 – Detailed Investigation

Detailed investigations are those that are complex in nature and may take longer to resolve.

For detailed investigations, we will:

  • Provide written confirmation of the timeline for resolution
  • Where appropriate, discuss your complaint with you to further understand what went wrong
  • Give you a full response to the complaint as soon as possible, preferably within 4 weeks.

If the investigation is particularly complex and we need longer than 4 weeks to resolve, we will tell you. In the event that this is the case, we will keep you updated on progress. We always aim to send a final response within 8 weeks.

If we cannot reach an agreement or conclude our investigations within 8 weeks, then you will have the right to refer your complaint to the Financial Ombudsman Service. They can be contacted at:

The Financial Ombudsman Service

Exchange Tower

Harbour Exchange

London E14 9SR

Phone: 0800 023 4567



If no correspondence is received within eight weeks of our final response to you, we will regard your complaint as closed. We will include the details for the Ombudsman within our final responses to all complaints, should you need them.

COVID-19 Support

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The Financial Conduct Authority has recently set out rules for firms which aims to support customers impacted by COVID-19. Customers can make a request to defer their loan repayments for the next 3-months if they are experiencing financial difficulty due to the pandemic.

If you have been impacted and would like to discuss a payment deferral, please contact us at and provide as much information about your current situation as possible. Alternatively, you can call our Customer Service team on 0808 196 1945.

Our commitment is to work with you on an individual basis, understanding how you have been impacted and doing everything that we can to help you through these difficult times.

You can still apply for a payment deferral if you are behind with your loan repayments, however any deferred payments must be paid in the future and you may pay more overall than originally expected. If you are struggling to maintain your repayments or considering a deferral, please contact us as soon as possible using the above email address.

Interest will continue to be charged for deferred payments, so for some customers a payment deferral may not be the best option. At JN Bank we will work with all of our customers to find the right solution depending on their circumstances, helping you to find a way.

Financial Difficulties

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We have a team dedicated to helping you. Click here to find out more. 

Wescot Credit Services are instructed on behalf of JN Bank UK to make contact and set a payment plan where you fall behind with your loan agreement by several payments. Wescot will only ever ask you to repay what you can afford. They are committed to ensuring a fair outcome and will always speak with you in a respectful and polite manner. If you have received contact from Wescot, please speak with them to set a payment plan.

Can’t find an answer?

For more information, please get in touch, we’re happy to help.