Africa's Most Useful Card

Tailored to serve your financial and business goals with innovative and seamless solutions.

Open Free Account

Tap. Pay. Go further.

One card.A world ofpossibilities.

Use your Joinai card online, in stores and across borders with confidence.

Joinai mobile app ready for everyday payments
Online
In Stores
Abroad

Pay with Joinai

Everyday payments, made intuitive.

Take care of life's essentials in a few easy taps. Our intuitive design makes it simple to pay the things that matter, right when you need to.

Pay your bills

Stay ahead of every due date in one place.

Buy airtime

Top up in seconds and stay connected.

Pay school fees

Make school payments without the queues.

Settle utilities such as ZESA

Keep home running, from electricity to everyday services.

Pay Your Bills

Integrations

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Protection at every step

Security and trust

Security is the foundation of everything we do. We protect your money and personal information with:

Secure account access

Biometric access and built-in account protection help prevent unauthorised access.

Protected transactions

Built-in safeguards help keep every payment and transfer protected from start to finish.

Continuous monitoring

Ongoing monitoring helps identify suspicious activity and protect your personal information.

A Joinai customer using her phone securely

Meet Our Ai

Easily create your account by conversing with our AI, available every step of the way

Seamless onboarding

Get started using a completely digital onboarding process and activate your OneCard in less than 5 minutes.

Joinai mobile onboarding

Joinai Visa Card

Shop online, pay for your favorite services like Netflix, HBO, and other digital platforms with ease. Use your Joinai Visa card for secure banking transactions worldwide, whether for online purchases or in-store payments. Enjoy up to 5% discount on every purchase at selected stores, making your spending smarter and more rewarding. Experience convenience like never before with instant access to your funds, exclusive offers, and global acceptance.

Joinai Black Card membership card

Pay Your Subscriptions

Music subscription Disney+ subscription HBO subscription Hulu subscription Netflix subscription Spotify subscription