Habitto (ハビット)普通預金金利0.6％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 access savings, investments, and insurance all through the app, and a Habitto advisor will provide personalized support.

[How do I use it?]
Step 1. Download the Habitto app. Complete your initial registration with Habitto.
Step 2. Use the Habitto app to apply for a GMO Aozora Bank branch account, the "Habito Branch Account."
Step 3. Deposit funds into your GMO Aozora Net Bank branch account, the "Habito Branch Account."
Step 4. Chat with a Habitto advisor. Schedule a session if necessary.
Step 5. Consult with a Habitto advisor to identify the actions you need to take.
- That's it, your new financial habits are starting! -

[Key Features]
■ Savings Account
- To support savings for the younger generation, Habitto offers Japan's highest interest rate for regular savings accounts: 0.6% before tax (up to a balance of 1 million yen; 0.478% after tax).
- You can manage your account, including checking your account balance, transaction details, and transferring funds to other banks, all from the Habitto app.
- To use the savings account, you must open a "Habito Branch" account with Habitto's partner GMO Aozora Net Bank. Account opening is subject to the GMO Aozora Net Bank standard screening process.

■ VISA Debit Card
- 0.8% of monthly spending will be rebated in cash the following month.
- You can also use the debit card to make in-store purchases.
- The debit card is a card that automatically debits your Habitto savings account at the same time as you make a payment. Your deposit balance is your available card balance, so you don't have to overspend.

・You can deposit, withdraw, and check your balance at your local Seven Bank, AEON Bank, or Japan Post Bank ATM 24 hours a day, 365 days a year (excluding system maintenance).

■Habitto Advisor
・Advisors with financial planner certifications provide tailored advice. Consultations are casual and can be arranged via in-app chat or by scheduling a video chat.
・We often receive questions like, "I can't seem to save money," "How do I start investing?" and "Do I really need this insurance?" Please feel free to ask us anything.

[About Habitto Inc.]
Habitto was founded in Singapore by Samantha Ghiotti, an Italian venture capitalist turned fintech entrepreneur, and Liam McCance, an Australian entrepreneur. The two founded SJ Mobile Labs Pte Ltd in Singapore in 2021, and in November of the same year established SJ Mobile Labs Japan, which operates in Japan. The company changed its name to Habitto, Inc. in March 2023. Habitto, Inc., proposes new financial habits with the goal of empowering young people and women in Japan to achieve financial freedom by growing their wealth. To accomplish this, 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 supporting young people in Japan as a branch of GMO Aozora Net Bank. Leveraging the reliability and technological capabilities of GMO Aozora Net Bank, it provides a unified financial platform for everything from money management to asset building, supporting your daily life. It provides services to meet all your financial needs, making asset building easy and efficient.

Habitto Features
Easy Money Management
Habitto allows you to manage your GMO Aozora Net Bank account, as well as all your bank accounts and card balances, all in one place. See your cash flow at a glance and understand your asset status, making money management easier than ever.
Support for Savings and Asset Building
Even if you're not good at saving, Habitto will propose a savings plan. You can also access advice from experts at GMO Aozora Net Bank and find savings methods tailored to your goals. We support asset building, making it easy to start saving for the future.
Safe for Beginners
We offer a wide range of investment products, including mutual funds, that are easy to understand even for beginners. We also offer free consultation services with financial professionals to help you ease your asset management concerns. Habitto will support you in taking the first step to growing your wealth.
Review and Compare Insurance
No need to worry about choosing insurance. Habitto will propose the best insurance plan for you. Compare affiliated insurance products and easily apply.
Convenient Everyday Life with Card Functionality
Habitto also offers card functionality that supports cashless payments. It makes everyday shopping and payments convenient and offers a comprehensive 0.8% cashback reward. You can efficiently increase your assets while reviewing your spending habits.
Why Choose Habitto?
The Trustworthiness of GMO Aozora Net Bank
Habitto combines the financial know-how and technological capabilities of GMO Aozora Net Bank, offering both security and convenience. From money management to investments and insurance, everything is available in one app.
Supporting Asset Building
We support future asset building through a review of savings, investments, and insurance. Financial professional consultation services are also available free of charge.
Easy-to-Use Interface
The user-friendly design makes it easy to manage your money and check your asset status. Even beginners can use it with confidence.
What Habitto Can Do
Money Visibility: Manage your account and card balances all in one place.
Saving Automation: Recommend savings plans tailored to your goals.
Wealth Building: Increase your assets with investment trusts.
Insurance Optimization: Compare and recommend insurance plans tailored to you.
Cashless Payment: Smarten your everyday payments with convenient card features.
Habitto handles everything from money management, savings, investments, insurance, and asset building. Download now and transform your financial life!