What is JAD?

it's your money ™

JAD will simplify and modernize our financial life. Once you have created your FREE account, use the JAD app on your iPhone or Android device to easily pay, or get paid in an instant, with little or no fees attached. It does not matter where (or if) you bank, and it works with any mobile carrier.

How does it work?

1. get on board

Create your account and download the FREE app from the Google Play or iTunes App stores.

2. load up

Visit a certified JAD partner to top up your account with cash. Your new balance will show instantly.

3. Be awesome

Pay with JAD at any of our fine partners. Send or receive money from friends and family. Track your activity.

4. Rinse and repeat

When your balance runs low, simply load up again and get back on track with speed and peace of mind

Flex your super powers

What you can do with JAD

Make purchases

Visit any one of our participating businesses across the nation to make that special purchase.

Send Money

Give anyone money from anywhere. The whole process lasts a few seconds, with low or no fees.

Pay for Transportation

Need a safe way to travel? Use JAD to pay your bus fare in seconds. No need to wait for change either.

Pay your Bills

Avoid the long lines and all the attitude. Pay your bills from wherever you are in minutes and get back to your life

Request Money

We all need a little help sometimes. JAD makes it easy for you to reach out to your friends and family

Get Paid

Have your employer load a portion of your salary directly to your account. No middle man, all digital.

Track your Activity

One of the many advantages that cash can't offer. Have a record of everything, accessible any time.

Convert to Cash

If you need to, you can "cash out" some or all of your balance at any of our certified agents


We take security very seriously. Here are a few things you should know:

  • We route your cash directly to the bank's vault. It's still the safest place to be.

  • Your balance, transactions and account activity is encrypted and hosted in our Secure Private Cloud

  • If you lose your phone your money is still safe. Simply login to the web and freeze your account

  • Your app is protected via PIN and password

  • We constantly monitor system activity and protect ourselves against threats

  • JAD is regulated by the authorities for strict Anti-Money Laundering (AML) and Counter-Terrorist Financing (CFT) practices

Let's talk numbers

The app is FREE, and so is your account

There is no cost to receive money

Send up to $100 to friends and family at no cost

Send between $100 and $1,000 for a flat $1.00

There is no charge to make purchases

And pay nothing* when you top up or cash out

* Fees may apply if done by credit card

Get Started Today

* Currently available for St. Kitts and Nevis only