Habitto (ハビット)普通預金金利0.7％のネット銀行

Habitto Co., Ltd.

About this app

【What is Habitto?】
Habitto is a digital bank that provides advice. You can use all aspects of savings, investments, and insurance through the app, and a Habitto advisor will support you according to your needs.

【How to Use It?】
Step 1. Download the Habitto app. Complete the initial registration for Habitto.
Step 2. Proceed to the application process for a dedicated branch account at GMO Aozora Bank, the "Habitto Branch Account," within the Habitto app.
Step 3. Deposit funds into your dedicated branch account at GMO Aozora Net Bank, the "Habitto Branch Account."
Step 4. Consult with a Habitto advisor via chat. Schedule a session if necessary.
Step 5. Confirm the necessary actions for you through your session with a Habitto advisor.
- And with that, your new money habits begin! -

[Introduction to Main Features]
■ Savings Account
・Habitto offers the highest interest rate in Japan for ordinary savings accounts at 0.7% (before tax, up to a balance of 1 million yen. After tax: 0.557%) to support savings for younger generations.
・You can manage your account, including checking your account balance and transaction details, and making transfers to other banks, from the Habitto app.
・To use the savings account, you need to open a dedicated branch account, "Habitto Branch Account," with GMO Aozora Net Bank, with which Habitto has partnered. Account opening is subject to GMO Aozora Net Bank's prescribed screening process.

■ Cash Card with VISA Debit
・0.8% of your monthly spending is cashed back the following month.
・You can also use the debit card to make payments at stores.
・The debit card is a card that automatically deducts the payment from your Habitto savings account at the same time as the card payment. Your deposit balance becomes your available credit limit, making it convenient and preventing overspending.

• You can deposit, withdraw, and check your balance at ATMs of Seven Bank, AEON Bank, and Japan Post Bank 24 hours a day, 365 days a year (except during system maintenance).

■Habitto Advisor
• Advisors with FP (Financial Planner) qualifications provide personalized advice. Consultations are very casual. You can choose to use the in-app chat or book a video chat for a direct consultation.

• We receive questions such as, "I can't seem to save money," "How do I start investing?", and "Is this insurance really necessary?". Please feel free to ask us anything.

【About Habitto Co., Ltd.】
Founded in Singapore by Samantha Ghiotti, an Italian woman who transitioned from venture investor to fintech manager, and Liam McKans, an Australian entrepreneur. The two founders established SJ Mobile Labs Pte Ltd in Singapore in 2021, and in November of the same year, they established SJ Mobile Labs Japan to operate in Japan. In March 2023, the company changed its name to Habitto Co., Ltd. Habitto Co., Ltd. proposes new financial habits with the aim of helping young people and women in Japan "gain financial freedom by nurturing their money." To carry out this business, in October 2022, it became the first foreign company to register as a financial services intermediary and electronic financial services intermediary.

Habitto is a next-generation digital banking app that supports young people in Japan as a branch of GMO Aozora Net Bank. Leveraging the reliability and technological capabilities of GMO Aozora Net Bank, it supports your daily life as a financial platform that centralizes everything from money management to asset building. It provides services that meet all your financial needs, making asset building easy and efficient.

Features of Habitto:
Easy Money Management
With Habitto, you can manage your GMO Aozora Net Bank account, as well as other bank accounts and card balances, all in one place. With Habitto, you can easily manage your money by seeing your cash flow at a glance and understanding your asset situation.

Supporting Savings and Asset Building
Even if you struggle with saving, Habitto will propose a savings plan. You can also utilize advice from experts at GMO Aozora Net Bank, and we will provide a savings method tailored to your goals. We support asset building, making it easy to start saving for the future.

Safe for Investment Beginners
We offer a wide variety of investment products that are easy for beginners to understand, such as investment trusts. You can also use our free consultation service with financial professionals to alleviate your anxieties about asset management. Habitto will support you in taking the first step towards increasing your money.

Reviewing and Comparing Insurance
There's no need to worry about choosing insurance. Habitto will propose the optimal insurance plan for you. You can compare partner insurance products and apply easily.

Convenient Daily Life with Card Function
Habitto also offers a card function that supports cashless payments. It makes everyday shopping and payments convenient, and offers a generous 0.8% cashback reward. You can efficiently increase your assets while reviewing how you spend your money.

Why Choose Habitto?
GMO Aozora Net Bank's Reliability
Habitto, which combines GMO Aozora Net Bank's financial know-how and technological capabilities, offers both security and convenience. Everything from money management to investment and insurance is managed in one app.
Supporting Asset Building
We support asset building for the future through savings, investments, and insurance reviews. Free consultation services by financial professionals are also available.
Easy-to-Use Interface
A user-friendly design that makes managing your money and checking your asset status easy. Even beginners can use it with confidence.
What You Can Achieve with Habitto
Visualize Your Money: Manage account and card balances all in one place.
Automated Savings: We propose savings plans tailored to your goals.
Asset Building: Grow your assets with investment trusts.
Insurance Optimization: Compare and propose insurance plans that suit you.
Cashless Payment: Smartly manage your daily payments with convenient card functions.
Manage your money, save, invest, insurance, and build assets—all with Habitto. Download it now and change your financial life!

What’s new

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】
・貯蓄マックス！の次月レポート（PDF）をアプリ内から確認できるようになりました。

【不具合の修正】
・アプリの安定性とパフォーマンスを向上させました。
・通知の許可を促すポップアップが操作できず、アプリが利用できなくなる不具合を修正しました。

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！