Accounts & payments

Payment cut-off times

Faster Payments (GBP, UK): sent within seconds, 24/7, up to £250,000 per payment. CHAPS (GBP, same day): request before 15:30 on a business day to arrive the same day. Requests after 15:30 leave the next business day. SEPA (EUR): instant where the receiving bank supports SEPA Instant; otherwise next business day. International (other currencies): typically one to three business days depending on the destination. Scheduled and bulk payments are processed at 07:00 UK time on the chosen date. If that date falls on a weekend or bank holiday they are sent on the next business day.

Fees and pricing

Monthly fee: £19 per month for the Team plan, billed on the first of the month. Free: UK Faster Payments, direct debits, standing orders, card payments in GBP, statement exports, up to three physical cards. Charged: - CHAPS: £15 per payment - International payments: £5 plus the FX margin shown before you confirm - Additional physical cards: £4 each - Card payments in a foreign currency: FX margin only, no fixed fee All fees are shown on your monthly statement under Fees. There are no charges for closing your account.

Paying in foreign currencies

When you send money in a currency other than GBP, Jupiter shows you the exchange rate, our margin and the exact amount the recipient receives before you confirm. - Our margin is 0.5% above the interbank rate for EUR and USD, and 0.9% for other currencies. - The rate is locked for 30 seconds once quoted. - Card payments abroad use the rate at the time the merchant settles, usually within two days, with the same margin. You can hold EUR balances in a EUR account with its own IBAN, which avoids conversion on incoming euro payments.