Juni
Banking for online sellers, wired into the ad and accounting platforms they already live in.
Multi-currency business accounts and Mastercard cards for e-commerce companies, with invoice credit and ad-platform integrations.
- Who holds it
- An e-money institution holds your balance in a safeguarding account — EMI licence (Sweden, Finansinspektionen no. 64025); Mastercard principal member.
- The ledger
- The e-money institution’s own ledger.
- If it fails
- Safeguarded funds are returned in administration — ring-fenced, but access can be frozen and slow.
Derived from Juni’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional · SMB & startups |
| HQ | Gothenburg, SE |
| Founded | 2020 |
| Custody | Custodial |
| Regulation type | E-money institution |
| License detail | EMI licence (Sweden, Finansinspektionen no. 64025); Mastercard principal member |
| Card | MC · Virtual + physical debit + credit |
| Cashback | Up to 1% |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
| Countries | Sweden, United Kingdom, Germany, Netherlands |
| Founders | Samir El-Sabini, Anders Orsedal |
| Funding | ~$280M raised incl. debt (EQT Ventures, Mubadala) |
Verified links: official site ↗
Common questions about Juni
What is Juni?
Juni is a fiat neobank built for SMB & startups, headquartered in Gothenburg, SE and founded in 2020. Your money is held custodially, so Juni or its partner bank holds the balance and you hold a claim on it. It is regulated as an e-money institution (EMI licence (Sweden, Finansinspektionen no. 64025); Mastercard principal member).
Does Juni have a card, and where can you use it?
It issues a Mastercard virtual and physical debit and credit card. It is available in 4 countries, across Europe.
Does Juni require KYC?
Yes. Juni requires identity verification (KYC) to open an account, as a e-money institution.
What does Juni cost?
From the verified fields: cashback Up to 1%. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Juni before relying on them.
Head-to-head
Juni vs ANNA Money · Juni vs OakNorth · Juni vs Allica Bank · Juni vs Zempler Bank · Juni vs Fyrst
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
Juni appears in
Neobanks authorised as e-money institutions (50) · Neobanks that require identity verification (349) · Neobanks available in Europe (151) · Neobanks for small businesses and startups (39) · Neobanks that issue a Mastercard (154)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.