Juni review

The card carries an annual fee of £0 and a currency conversion fee of 0%, and it is a debit card for a business audience. Both charges sit at the free end, and the fee model is no annual fee, so there is no setup cost to earn back. Spending draws on the business balance.

The currency conversion fee is 0%, so card spending abroad does not carry the usual loading. multi currency is built into the account for business customers, which is the point of holding a card like this. Balances stay in the business account currency rather than on a credit statement.

The audience is business, so the card is aimed at companies and their spending rather than private banking. It is a debit card, meaning purchases draw on the business balance as they happen. A minimum credit limit and a maximum daily spend limit apply, so the facility is sized in advance.

Juni runs a charge card, so the full monthly balance falls due on the statement date rather than a slice of it. There is no revolving portion left to carry, which suits businesses clearing spend before the statement lands. A minimum credit limit and a maximum daily spend limit frame how much can be charged.

Rewards come as cashback at a rate of 2% for first 30 days, then 1% on all eligible spend, so the reward is straight money back rather than points or miles. The rate is higher at the opening and lower afterwards, which suits businesses that put spend through the card early, then settle on the standard rate for the rest of the period.

The card is a debit card with physical and unlimited virtual cards included, so team members can be given access without a per card charge. A minimum credit limit applies across the facility, and a maximum daily spend limit caps what the card can take. The account is aimed at a business audience.

Support runs through help centre, so questions are answered in writing from the help centre. There is no phone line in the listed channels, so allow time for a written reply when a payment needs checking. A debit card dispute follows the same written route, so keep your records of each transaction.

The median annual fee across cards listed on the site is €0, and the median currency conversion fee is 1%. Juni sits at the free end on both, at £0 and 0%. Businesses paying foreign suppliers will notice that gap on the first statement.