Jiko: Spendable T-Bills

Jiko: Spendable T-Bills

The future of money storage

48 ratings
9 reviews
Free

Details

Released
October 21, 2019
Updated
November 5, 2026

Features

Jiko: Spendable T-Bills screenshot #1 for iPhone
Jiko: Spendable T-Bills screenshot #2 for iPhone
Jiko: Spendable T-Bills screenshot #3 for iPhone
Jiko: Spendable T-Bills screenshot #4 for iPhone
Jiko: Spendable T-Bills screenshot #5 for iPhone
Jiko: Spendable T-Bills screenshot #6 for iPhone
Jiko: Spendable T-Bills screenshot #7 for iPhone
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About

This app offers a unique way to store and spend money by investing it in U.S. T-bills. It provides competitive yields and cashback on purchases, with funds automatically liquidated for transactions. Security features like virtual cards and the ability to lock your debit card are included.

✓Invest in U.S. T-bills
✓Earn competitive yield
✓1% cashback on debit card purchases
✓Spend T-bill investments directly
✓Automated liquidation for transactions
✓Enhanced security features
✓Virtual card generation
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+2

What's New in Jiko

3.1.2

November 5, 2026

Bug fixes and general improvements.

User reviews

Great Experience

I’ve been banking on Jiko for a few years now. I love the app and the satisfaction of having my money in a place that gives great yield. Overall a great concept and happy with the service!

Safe and Easy to Use

Best bank for anyone unfamiliar with banking and just want a safe and EASY place to put their money. Jiko has by far the easiest and most intuitive UI of any fintech app out there.

The app’s minimal design is backed up by a super safe framework that lets you essentially have a high-yield savings account that doubles as a checking account since you can use the money whenever wherever you want. You also get 1% cash back on your debit card which is cool since the only other bank that does that is Discover and you can’t go to any and all ATMs with them 🤷‍♂️.

Overall it’s just real simple and safe to use so if you’re not too familiar with finance it’s perfect and has honestly saved me from the hassle of dealing with traditional banks.

I will say however they do lack a few small features that traditional banks have like depositing checks but even that’s not really an issue since you can scan them on Venmo or PayPal and just transfer from there.
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Don’t trust this app with your money

Every time I have ever tried using their debit card, my money just vanishes. There is only one employee in this so called bank, which is very odd. Every time I had this issue I had to wait for him to respond, and every time there was a different resolution.

Bad by Affiliation

This app has to be super shady based on the fact that they are working with Juno. Juno has managed to scam millions of dollars

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 😎
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FAQ

What is Jiko?

Jiko is a financial technology platform that allows users to invest their cash directly in U.S. Treasury bills, offering both yield and spendability. It combines the safety of government-backed investments with the convenience of a checking account.

How does Jiko make T-bills spendable?

When you initiate a transaction or transfer with Jiko, your T-bill investments are automatically liquidated in real time, 24/7, to cover the cost. This innovative feature allows you to access your invested funds for everyday spending.

Is my money safe with Jiko?

Funds invested in T-bills through Jiko are held in your name and are protected by SIPC up to $500,000. Jiko also offers additional security features like the ability to lock your debit card and generate virtual cards.

Does Jiko offer a trial period?

Jiko is a free service, meaning there is no cost to download or use the app. The app itself does not operate on a trial basis as it is a free platform.

What are the risks of investing in T-bills with Jiko?

Investments in T-bills are not FDIC insured and have no bank guarantee, meaning they may lose value. All U.S. treasury investments and advisory services are provided by Jiko Securities, Inc., a registered broker-dealer.

Can I use Jiko on multiple devices?

Yes, Jiko is supported on both iPhone and iPad devices. This allows you to manage your investments and spending across different Apple devices.

How often is Jiko updated?

The latest version of Jiko is 3.1.2, and it was last updated on November 5, 2026. This indicates a commitment to regular updates and improvements for the application.

What are the fees associated with Jiko?

Fees apply when using Jiko's services. Specific fee details can be found in their disclosures, including the Jiko U.S. Treasuries Risk Disclosures and Jiko Securities Inc. Form CRS.