# Jiko: Spendable T-Bills — The future of money storage > Invest in T-bills and spend from your investments with a debit card. (iPhone/iPad app by Jiko Technologies, Inc..) - Source: https://appshunter.io/ios/app/jiko-spendable-t-bills/id1475792834 (this page in markdown: same URL + `.md`) - Developer: [Jiko Technologies, Inc.](https://appshunter.io/developer/1457051541) - Category: Finance - Price: Free - Rating: 4.50/5 from 47 App Store ratings · 9 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 36 MB - Languages: American English - Released: 2019-10-21 - Data updated: 2026-08-21 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/jiko-spendable-t-bills/id1475792834/reviews.md ## What is Jiko? Jiko Pockets provides seamless access to the safety and yield of T-bills, paired with the spending features of a bank account. Here’s what you get with a Jiko Pocket: EARN WHEN YOU SAVE Jiko’s automated trading technology keeps you invested in T-bills so you can access the safety and competitive yield of government-backed T-bills without having to trade them yourself. Your earnings are updated in real-time on the Jiko app and may be tax-exempt at the state and local level(1). REWARDS WHEN YOU SPEND Access your money instantly by using Jiko debit cards. When you spend, your investments are automatically liquidated in real time, 24/7, to cover the cost of your purchase. Plus, you can earn 1% cashback on debit card purchases(2). TRANSPARENT AND SECURE Treasury bills are generally considered one of the safest investments available because they’re backed by the full faith and credit of the US government. Plus, 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). ABOUT JIKO Jiko is a national bank and technology platform that replaces traditional cash deposits with direct, real-time investment in U.S. Treasury bills. keeps your cash invested in T-bills, in your name, earning the “risk-free” rate, with no lending, no leverage, and no commingled exposure. DISCLOSURES 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). Fees apply. Illustrations are not representative of future or past performance. 1 - We do not provide tax or legal advice. Please consult your financial advisor or tax professional for advice. 2 - Those cardholders who are entitled to cashback rewards will only receive rewards for qualifying purchases. See our Reward Program Terms for more information: https://jiko.io/docs/RewardProgram.pdf. 3 - Subject to current limitations. Learn more at https://jiko.io/docs/limitations.pdf ## Key features - Automated T-bill investment - Real-time earnings updates - Spendable T-bill investments - 1% cashback on debit card purchases - Secure Jiko Solid™ Debit Card - Virtual card generation ## Recent user reviews (9 of 9) All indexed reviews: https://appshunter.io/ios/app/jiko-spendable-t-bills/id1475792834/reviews.md ### 5/5 — Great Experience *2026-04-04* 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! ### 5/5 — Safe and Easy to Use *2025-01-23* 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. ### 1/5 — Don’t trust this app with your money *2024-11-29* 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. ### 1/5 — Bad by Affiliation *2024-08-28* 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 ### 5/5 — Underrated APP *2024-05-07* 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 😎 ### 5/5 — Enjoy *2024-02-13* 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 ### 5/5 — Underrated Gem of Fintech Apps *2023-04-06* 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! ### 5/5 — Great app *2020-02-15* 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! ### 5/5 — Great for my savings *2019-11-05* 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! ## Frequently asked questions about Jiko ### What are the security features of Jiko? Jiko is a federally regulated financial institution with a national bank and is a registered broker. Treasury bills are backed by the US government. The Jiko Solid™ Debit Card displays limited information and can be locked via the app, and virtual cards can be generated for online spending. ### How does Jiko's automated trading technology work? Jiko's automated trading technology keeps your money invested in T-bills, allowing you to earn competitive yields without manual trading. Your earnings are updated in real-time within the app. ### Can I access my money instantly with Jiko? Yes, you can access your money instantly using the Jiko debit card. Investments are automatically liquidated in real-time, 24/7, to cover your purchases. ### What are the risks associated with Jiko investments? Investments in T-bills are not FDIC insured, have no bank guarantee, and may lose value. Securities are protected up to $500,000 by SIPC. Jiko provides investment advisory services through Jiko Securities, Inc., a registered broker-dealer. ### What are the fees associated with using Jiko? The provided data indicates that fees apply when using Jiko. Specific fee details are not elaborated in the description but are available through Jiko's disclosures. ### Is Jiko available on all devices? Jiko is currently supported on iPhone and iPod devices. Compatibility with other platforms like Android is not specified in the provided data. ### How often is Jiko updated? The latest version of Jiko is 2.1.2, and it was last updated on March 19, 2026. This suggests a regular update schedule, though specific frequency is not detailed. ### What is the age rating for Jiko? Jiko has an age rating of 4+, making it suitable for a wide range of users. This indicates it contains no mature content. ## Version history (last 5 releases) ### 2.1.6 — 2026-08-17 [^] Bug fixes and general improvements. ### 2.1.5 — 2026-08-12 [^] Bug fixes and general improvements. ### 2.1.4 — 2026-05-05 [^] Bug fixes and general improvements. ### 2.1.3 — 2026-04-02 [^] Bug fixes and general improvements. ### 2.1.2 — 2026-03-19 [^] Bug fixes and general improvements. ## Apps similar to Jiko | App | Rating | Price | Category | | --- | --- | --- | --- | | [Facile Bank](https://appshunter.io/ios/app/facile-bank/id1484100487) | 3.8 (5) | Free | Finance | | [PoetrYY](https://appshunter.io/ios/app/poetryy/id6449597368) | — | Free | Finance | | [UniFi - Spend, Send, and Save](https://appshunter.io/ios/app/unifi-spend-send-and-save/id6476569704) | 4.1 (9) | Free | Finance | | [Zil.US](https://appshunter.io/ios/app/zilus/id1576803726) | 2.1 (10) | Free | Finance | | [Netevia](https://appshunter.io/ios/app/netevia/id1625351334) | 5.0 (10) | Free | Finance | | [Arival](https://appshunter.io/ios/app/arival/id6443695634) | 4.1 (9) | Free | Finance | ## Related topics [jiko](https://appshunter.io/ios/topics/jiko) · [spendables](https://appshunter.io/ios/topics/spendables) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-21.*