iPhone Screenshots


Jiko offers a new way to store and move money, designed to create a fluid and rewarding banking experience for all. (1)

The money in your Jiko account is transparently and seamlessly invested for you in government-backed T-Bills(2). Jiko accounts performed to an equivalent yield of 1.71% for 2020 (3), and Jiko members took home 100% of the earnings their money generated. When you spend directly from your Jiko account, a portion of your T-bill investment is automatically sold to cover the cost of the transaction(4).

Cashback, right to your account. Enjoy 1% cashback on qualified debit card purchases with no credit requirements or risk of overspending(5). Take advantage of our Virtual Card for Tax Payments feature to earn cashback on your IRS tax payment. (6)

Know exactly where your money is at all times: invested in government-backed T-Bills. You can spend with confidence as the Jiko Solid™ Debit Card doesn’t display your card number, CVV, or expiration date. To make purchases online and over the phone, you can find your card numbers on the Jiko app, where only you can access them.(7)

We operate in service to our members -- free of intermediaries -- with safety at our core. As owners of a national banking charter and broker-dealer license, we’re regulated and held to the same strict safety standards of any major U.S. financial institution. (8)




No Bank Guarantee • May Lose Value • No FDIC Insurance

Illustrations not representative of future or past performance.

1 - Available to every American citizen or permanent resident upon application approval. Jiko memberships are currently free until we introduce subscription plans. In some cases, accounts may be subject to additional review to be in accordance with financial laws and regulations, including the USA Patriot Act. Additional review could take up (but is not limited) to 5 business days. You may be asked to present documentation to verify your personal information.

2 - US Treasury securities (“Treasuries”) are issued by the federal government and are backed by the “full faith and credit” of the US government. Learn more here. Past performance is not indicative of future performance. Securities investments: Not FDIC insured; No bank guarantee; May lose value. Funds are invested in T-Bills in $100 increments. Aggregate funds in your Jiko Brokerage Account of less than $100 will remain in that account in cash.

3 - Jiko accounts performed to an equivalent yield of 1.71% from Jan. 1, 2020 to Dec. 31, 2020. Past performance is not indicative of future returns.

4 - Subject to current limitations. Learn more here.

5 - Cashback rewards apply to qualifying purchases only. See our Reward Program Terms for more information.

6 -Payments are subject to the Jiko Limitations Disclosure and IRS limits on the number of card payments. Special requirements may apply to payments on IRS.gov.

7 - Learn more about Jiko debit cards here.

8 - Jiko, owned and operated by Jiko Technologies, Inc., makes available a unique combination of financial services provided by Jiko Technologies, Jiko Securities, Inc., a registered broker-dealer, and Jiko Bank, a division of Mid-Central National Bank, Member FDIC.

Additional disclosures:
Learn more about our fees in https://jiko.io/truthinsavings.
Learn more about how we handle and process your data at https://jiko.io/privacy/.

Banking services provided by Jiko Bank, a division of Mid-Central National Bank, Member FDIC. The Jiko Solid™ Debit Card, when available, will be issued by Jiko Bank and can be used anywhere on the Discover, Pulse, and NYCE networks.

Securities offered by Jiko Securities, Inc., member FINRA & SIPC.

SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.

What’s New

Version 1.4.5

[^] Bug fixes and general improvements.

Ratings and Reviews

4.7 out of 5
27 Ratings

27 Ratings

Caldwa ,

Unique concept, great execution

Investing in Treasury bills is a great way to diversify your portfolio, but buying them through traditional brokers is not easy for most people. Jiko makes investing in T-bills extremely easy, and offers 1% cash back when you make purchases with them. I like how easy it is to create “portals” - unique ACH accounts for each connection you want to make. Transfers and payments are extremely quick, and the app is simple yet effective.

Sunmak123 ,

Great app

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!

Chattry ,

Great for my savings

This App makes it easy and fun to save money. It’s very addictive to see it grow everyday. Looking forward to receiving the card!

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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