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.
EARN WHEN YOU SAVE
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).
REWARDS WHEN YOU SPEND
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).
TRANSPARENT AND SECURE
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.
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
[^] Bug fixes and general improvements.
Ratings and Reviews
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!
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
Has been a great app. I didn’t know what to expect, but after using it, I found it very simple and user friendly. I enjoy seeing my money grow!
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Sensitive Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Jiko Technologies, Inc.
- 72.3 MB
- Requires iOS 13.0 or later.
- iPod touch
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