Jiko: Spendable T-Bills 4+

The future of money storage

Jiko Technologies, Inc.

Designed for iPhone

    • 4.9 • 40 Ratings
    • Free

iPhone Screenshots


Jiko makes investing in T-bills free, direct, and automatic. Generally considered one of the safest investments in the world, T-bills offer competitive yields. Jiko provides seamless access to the safety and yield of T-bills with on-demand liquidity.

Jiko accounts keep your money directly invested in T-Bills, so you earn the yield and take home 100% of the earnings your investments generate. Any earnings are updated in real-time on the Jiko app and may be tax exempt at the state and local level(2).

Access your money instantly by using Jiko debit cards. When you use your card, your investments are liquidated in real time to cover the cost of your purchase. Plus, you can earn 1% cashback on debit card purchases(1).

Store your money in government-backed assets that are held in custody at BNY Mellon. You can spend with confidence as the Jiko Solid™ Debit Card displays limited information and can be locked from the app. Use Jiko Virtual Cards to generate multiple card numbers for online spending(3).

Jiko is a revolutionary new financial network, enabling money storage and movement, starting with the power of T-bills, made spendable. As a vertically integrated bank holding company and registered broker-dealer, Jiko has built scalable and secure software from the ground up to enable money storage and movement through programmatic investments in T-bills.


Not FDIC Insured • No Bank Guarantee • May Lose Value

All U.S. treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org.

Banking services provided by Jiko Bank, a division of Mid-Central National Bank.

Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheck (https://brokercheck.finra.org/firm/summary/287507), Jiko U.S. Treasuries Risk Disclosures (https://jiko.io/docs/disclosures.pdf) and Jiko Securities Inc. Form CRS (https://jiko.io/docs/CRSRelationshipSummary.pdf).

Illustrations not representative of future or past performance.

1 - Cashback rewards apply to qualifying purchases only. See our Reward Program Terms for more information: https://jiko.io/docs/RewardProgram.pdf.

2 - Profits from T-Bills may or may not be tax exempt at the state and local level. We do not provide tax or legal advice. Please refer to your financial advisor or tax professional for advice.

3 - Subject to current limitations. Learn more at https://jiko.io/docs/limitations.pdf

What’s New

Version 1.8.3

[^] Bug fixes and general improvements.

Ratings and Reviews

4.9 out of 5
40 Ratings

40 Ratings

Caldwa ,

Underrated Gem of Fintech Apps

After using Jiko for a few years, I can confidently say Jiko is truly an underrated gem of fintech/neobanking apps. It’s the easiest ways to buy and invest in T-Bills, but use them like cash. Jiko’s ACH portals give me the confidence that if an external company I use and pay directly (say, an utility provider) has a data breach and my bank information is compromised, I can just remove the ACH portal in Jiko and create a new one. No headache. The added benefit of 1% back on debit card purchases is a huge bonus - I used it to pay my federal taxes and got cash back!

Jbones3213 ,

Underrated APP

I have used JIKO for a couple of years now. I have to say the team behind the app is unreal in support and information needed to help you with any of the needs of the app. With a 1% cash back debit card and the initial security of the no facing debit card “no numbers on the debit card” along with the ability to create ach portals and virtual cards enhance the security even more…alll this is topped with a beautiful cherry of your money automatically being invested in t-bills (at $100 increments).

What more could you ask for 😎

cherylgirl1121 ,


I very much enjoy the unlimited virtual cards. I’m finding they are down today but I enjoy being able to use a new card via each transaction I make. Excellent

App Privacy

The developer, Jiko Technologies, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Sensitive Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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