JN Individual Retirement Scheme

    A personal retirement plan which provides pension to persons on retirement; it is a tax deferred and tax efficient way to save towards your retirement.


    • No withholding taxes on interest earned on funds invested in the Scheme
    • Tax-free lump sum payments (up to 25% of accumulated value) made at retirement
    • Tax-free lump sum payments made to your named beneficiary is also tax free (subject to the prevailing laws and regulations)


    • Get discounts from JN Group and almost 200 partners with your JNRS ca
    • View your account balances online
    • 10% discount on JAA membership
    • 20% discount on insurance from JNGI
    • You must be between 18 and 64 years
    • You must be a Jamaican living in Jamaica
    • A completed JNRS application form
    • Taxpayer Registration Number (TRN)
    • National Insurance Scheme (NIS) number
    • Proof of your current income. The following are acceptable: most recent pay slips, employment letter, self-employment verification form signed by justice of the peace or notarized by an attorney-at-law)


    Please be advised that the JN LIVE Business platform is currently unavailable.

    This is due to an issue with a service provider.

    JN Bank regrets any inconvenience caused. We are working to resolve the issue as quickly as possible.

    An update will be provided as soon as the system returns to full service.