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貯蓄の窓口 by Habitto

貯蓄の窓口 by Habitto

by Habitto

3 ratings
3 reviews
🌟 Lifestyle
💰 Finance
Free

Details

  • Released
  • Updated
  • April 23, 2023
  • October 1, 2026

Developer

Habitto
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About

This digital banking app offers integrated savings, investment, and insurance services. Receive personalized support from financial advisors via chat or video sessions to build better money habits. It provides a high-interest savings account and a debit card with cashback rewards.

✓High-interest savings account (0.6% APY)
✓Debit card with 0.8% cashback
✓Personalized financial advice
✓In-app chat and video consultations
✓ATM access (7-Bank, AEON, JP Post)
✓Savings, investment, and insurance services
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What's New in 貯蓄の窓口 by Habitto

4.0.3

October 1, 2026

今回のリリースでは、以下のアップデートを行いました。 【新機能・改善】 ・口座開設の審査中は、貯蓄口座と証券口座それぞれの審査状況と完了の目安を、ホーム画面で確認できるようになりました。 ・貯蓄マックス！の特徴がわかるご紹介ページを追加しました。 ・CHEER証券口座のお申込み後、アプリからお知らせいただくと次の手続きへスムーズに進めるようになりました。 ・アドバイザーからのメッセージに、チャットアイコンからすぐアクセスできるようになりました。 【不具合の修正】 ・貯蓄マックス！の残高が正しく表示されない不具合を修正しました。 ・リンクからアプリを開いた際に、意図しない画面が表示される不具合を修正しました。 ・口座連携後に、ホーム画面の表示が切り替わらない不具合を修正しました。 ・アプリの安定性とパフォーマンスを向上させました。 Habittoでは、プロダクトの改善に日々取り組んでいます。これからもHabittoをどうぞよろしくお願いいたします！

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User reviews

Most RecentHighest RatedLowest Rated

Impossible to make an account

Tried 3x over two years to open an account but their GMO bank partner keeps declining account creation. I have a 20 year MUFG account, permanent resident visa yet GMO still won’t approve me and never given a reason why. I’ve never had this much of a hassle to get to start using a financial app like I have had with Habitto.
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MtstaffaMtstaffa

Response from developer

Dear Mtstaffa, We are truly sorry for the repeated frustration you have experienced with the account application process. As explained in our previous email, please note that the application screening and approval is conducted by GMO Aozora Net Bank, which is unfortunately beyond our control. We have reached out to GMO Aozora Net Bank on your behalf regarding the reason for the application rejection you wished to clarify, as their customer center does not provide English support. We are confident that we handled your inquiry with our utmost effort, and we sincerely regret that there was nothing further we could do to fulfill your request. We appreciate your understanding and patience.

Money Habits

App keeps evolving, liking the new money habits layer
andregoianoandregoiano

Response from developer

Thank you for your great feedback! 😊 We're thrilled to hear that you’re enjoying the new money habits layer! We’re always working to evolve and improve the app to make your experience even better. Stay tuned for more updates, and happy exploring! 🚀

🚀

Am earning my interest already.
andregoianoandregoiano

FAQ

What is Habitto?

Habitto is a digital banking app that provides integrated savings, investment, and insurance services. It offers personalized support from financial advisors to help users build better money habits.

Does Habitto have ads?

Yes, Habitto contains advertisements. As a free application, it utilizes ads to support its services.

What is the interest rate for Habitto savings accounts?

Habitto offers a savings account with a competitive interest rate of 0.6% (before tax) for balances up to 1 million JPY. After tax, the rate is 0.478%.

How does the Habitto debit card work?

The Habitto debit card offers 0.8% cashback on monthly spending, which is credited the following month. Purchases are directly debited from your savings account, helping to prevent overspending.

How can I consult with a Habitto advisor?

You can consult with a Habitto advisor through in-app chat or by booking a video session. Advisors are FP qualified and provide personalized advice on various financial topics.

What are the ATM withdrawal and deposit options for Habitto?

You can deposit, withdraw, and check your balance 24/7 (excluding maintenance) at ATMs from Seven Bank, AEON Bank, and Japan Post Bank.

Is it difficult to open a Habitto account?

To use Habitto's savings features, you need to open a dedicated 'Habito Branch Account' with GMO Aozora Net Bank. This process involves an application and a screening by GMO Aozora Net Bank.

What devices does Habitto support?

Habitto is available on iPhones and iPods. The app is rated for ages 4 and up.