Maji

Maji is a UK financial-wellbeing platform that combines employee money tools, professional guidance, education and workplace benefits. It suits employers and partner organisations wanting one hub rather than separate services; individual access is more limited. Its strongest case is breadth with privacy protections, while availability and employer pricing depend on how an organisation provides it.

Overview

Maji brings account and spending views, budgeting, savings goals and future-finance planning into a web and mobile service. Users connect financial accounts to see information, while Maji says it neither moves nor controls their money. Employees can also receive one-to-one help from qualified financial coaches, advisers and other specialists, then follow personalised action plans.

The platform serves SMEs and corporates through an employer offer, and organisations that serve individuals through a partner offer. Google Play says access is currently through an employer; Maji’s individual page directs self-employed people to a waitlist. An individual free version is available after leaving an employer, so it is not a straightforward sign-up route for everyone.

Key features

Money management and coaching

Maji covers budgeting, saving, borrowing and debt, pensions and retirement, investments, mortgages and home buying, salary sacrifice, family costs, wills and estate planning, financial resilience and money mindset. That scope gives employees support across routine money management and major life decisions. One-to-one coaching and personalised action plans add individual direction that a dashboard alone cannot provide.

Education and benefits

Personalised learning journeys, on-demand materials and live monthly masterclasses let employees choose between self-paced information and scheduled teaching. Maji also describes six salary-sacrifice schemes, including pension and workplace nursery options. Partner organisations can offer exclusive retail discounts, including grocery deals from Tesco, Asda and Sainsbury’s. These additions make the service broader than a budgeting app, although their usefulness depends on employee participation and the benefits an employer or partner enables.

Integrations, privacy and security

Maji is designed to fit partners’ existing offers and provides an all-in-one hub for benefits inside and outside its own service. Employers receive anonymised, aggregated trends rather than employees’ bank details or personal finance data. Maji says it is ISO 27001 certified, handles data under GDPR, encrypts data in transit and at rest with 256-bit encryption, and conducts external security testing. It is registered with the FCA as the PSD agent of Bud Financial Ltd.

Pricing

The free individual option is useful for former participants who want continued access without a stated charge. It does not solve immediate access for self-employed users, who are invited to join a waitlist. Employers get the complete employee proposition through a subscription, but must budget without a published figure.

Platforms

Maji is available on Android, iOS and the web, with access channels covering web and mobile. That combination suits employees switching between phones and browsers.

Who it's for

Maji is aimed at SMEs and corporates that want financial education, coaching, account-based money management and benefits in one employee service. It also fits partner organisations serving individuals and employers that need aggregated workforce trends without exposing personal financial data. It is a weaker fit for a self-employed person seeking immediate independent enrolment, because access is currently employer-based and the individual route is waitlisted.

Pros and cons

Pros

• Broad financial coverage: topics run from budgeting and debt to pensions, investments, housing, family costs and estate planning.
• Human help alongside tools: qualified coaches, advisers and personalised action plans support employees who need more than educational content.
• Benefits in the same hub: salary-sacrifice schemes, learning and retail discounts extend the service beyond account tracking.
• Strong privacy position: employers receive anonymised aggregates, while Maji says it does not move or control connected funds.
• Multi-platform access: Android, iOS and web support workplace use across devices.

Cons

• Employer-dependent access: Google Play currently limits availability to employer users, and self-employed applicants face a waitlist.
• No published employer price: organisations must request custom pricing before comparing subscription costs.
• Individual pricing is incomplete: the free post-employment version is stated, but any paid option has no published price.

Alternatives

FinFit is a better match when an employer wants a free registered-member programme with educational content, a financial assessment and dashboard, subject to employer availability.

OneEleven LaunchPad suits organisations wanting a permanently free programme with no enrolment caps, no expiry and up to three complimentary coaching sessions per employee.

BrightDime is worth considering for enterprise accounts able to meet its 5,000-user minimum and wanting web access.

Clarity FW fits employers seeking a forever-free per-employee education and adviser hub, with optional discounts and rewards at 2.99 GBP.

GreenPath LearningLab+ is an alternative learning-focused service with a free partnership tier and aggregate usage reporting.

Money & Life is a free web programme that includes up to three free 60-minute mentoring sessions.

Brightside Financial Care is another freemium option available on Android, iOS and the web.

Financial Freedom is for readers who prefer a paid iOS or web service with daily, monthly and yearly premium purchases.

Browse the Financial Wellness Software category for more options.

Verdict

Choose Maji when an employer or partner wants money management, qualified coaching, education and workplace benefits in one privacy-conscious platform. Its breadth, topic coverage and multi-device access are compelling for workforce programmes. Look elsewhere if you need immediate self-employed access or a clearly published employer price before making a shortlist.