貯蓄の窓口 by Habitto

Habitto Co., Ltd.

About this app

【What is Savings Window by Habitto?】
Habitto is a savings shop that offers a new savings option, going one step further than traditional saving.
It offers a bank account for managing daily expenses, a securities account for steadily growing savings, and free consultations with advisors who hold FP (Financial Planner) qualifications. Habitto's mission is to "reduce people's financial anxieties," providing savings, investment, and insurance services all through a single app.

【Account Opening Process】
Step 1. Register for a Habitto account. Enter your basic information.
Step 2. Apply for a securities account. This is a securities account with CHEER Securities Co., Ltd., a member of the Tokai Tokyo Financial Group.
Step 3. Apply for a bank account. This is a dedicated branch account, "Habitto Branch Account," with GMO Aozora Net Bank.
Step 4. Identity Verification and Photo Submission. You will be required to submit your identity verification information. Please note that the opening of securities and bank accounts will not be completed until the prescribed screening process is finished.
Step 5. Download the Savings Window app.

Step 6. Account Opening and Investment Start (Minimum 2 Business Days) After the review is complete, you can start the remaining settings and investment from the app.

[Introduction to Main Functions]
■ Bank Account (Daily Living Expenses)
・Offers a regular savings account interest rate of 0.7% (before tax, up to a balance of 1 million yen. After tax, 0.557%).
・You can manage your account from the app, including checking your account balance and transaction details, and making transfers to other banks.
・To use this service, you need to open a dedicated branch account with GMO Aozora Net Bank, "Habito Branch Account." Account opening is subject to the bank's prescribed review.

■ Securities Account (Solid Savings Funds)
・Offers "(Nickname) Savings Max! (Money Design Digital Lending Fund)," an investment trust suitable for saving that goes beyond regular deposits.
・To use this service, you need to open a securities account with CHEER Securities Co., Ltd., a member of the Tokai Tokyo Financial Group. Account opening is subject to the company's prescribed review. * You can easily check the progress of your assets, including valuation amount and monthly investment returns, in conjunction with your savings account, through the app.

* Investment trusts may incur losses due to price fluctuations, etc. Please check the product details, risks, and fees in the prospectus before applying.


■ VISA Debit Card
* 0.8% of your monthly spending is cashed back the following month.

* Add it to Apple Wallet and use it for smartphone payments.

* The system automatically deducts from your bank account at the same time as card payments, so your available balance is limited to your deposit balance, 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 free.

* AI assistant "Hi-a" answers your questions via chat 24 hours a day.

* You can easily ask questions via in-app chat or schedule a video chat for direct consultation – choose the method that suits you best.
* 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.]
With the mission of "reducing people's financial anxieties," Habitto is a fintech company that provides new savings options that go beyond traditional saving.

Habitto operates as a "financial services intermediary," offering services in multiple fields such as banking, securities, and insurance with a single registration.

We are not affiliated with any specific financial institution; we select the products we believe are best and deliver them to our customers. We offer bank deposits and investment trusts as a financial services intermediary, and life insurance as an agency.

This business model is new, created by the enforcement of the "Act on the Provision and Improvement of the Environment for the Use of Financial Services" in November 2021. In October 2022, Habitto became the first foreign company to register as a financial services intermediary and electronic financial services intermediary. We have been reviewed by the Financial Services Agency and registered with the Kanto Local Finance Bureau, and we operate our business under the continuous reporting and supervision of the bureau (Kanto Local Finance Bureau Director (Financial Services) No. 5).

What’s new

＼貯蓄の窓口 by Habittoにリニューアル／
貯金の一歩先をいく、新しい貯蓄の選択肢をお届けします。

■(愛称)貯蓄マックス！の購入・管理
目標利回り年率2.00%*1の新しい貯蓄の選択肢。評価金額や月次の運用収益もひと目で。

■好金利の貯蓄口座
円普通預金金利0.7%(税引前・100万円まで。超過分は0.4%)*2。

■Visaデビットカード
使うたびに0.8%キャッシュバック。

■お金のプロにいつでも無料相談
チャットやビデオ通話で相談OK。AIアシスタント「ハイア」は24時間対応。

■貯蓄も取引もひと目で
貯蓄口座と貯蓄マックス！の推移、カード利用を含む取引履歴をまとめて確認。

貯蓄の始まりを、いっしょに。

*1 投資信託は価格変動等により損失が生じるおそれがあります。「貯蓄マックス！」は預貯金ではなく、預金保険の対象外です。詳細は交付目論見書等をご確認ください。
*2 税引後0.557%/0.318%。