Habitto (ハビット) お金の相談ができるネット銀行

Habitto Co., Ltd.

About this app

[What is Habitto? ]
Habitto is a digital bank that advises. You can access savings, investments, and insurance all from the app, and Habitto advisors will support you.

[How do I use it?] ]
Step 1. Download the Habitto app. Perform initial registration with Habitto.
Step 2. Use the Habitto app to proceed to the application procedure for GMO Aozora Bank's exclusive branch account "Habitto Branch Account."
Step 3. Deposit money into GMO Aozora Net Bank's exclusive branch account "Habito Branch Account".
Step 4. Chat with a Habitto advisor. Book sessions as needed.
Step 5. Confirm the actions you need to take through a session with a Habitto advisor.
- That's all, the start of your new money habits! -

[Introduction of main functions]
■Savings account
・Habitto offers the highest interest rate in Japan for ordinary deposits, 0.4% (pre-tax, up to a balance of 1 million yen, 0.318% after-tax) to support the savings of the younger generation.
・You can manage your account from the Habitto app, such as checking your account balance, deposit/withdrawal details, and making transfers to other banks.
・To use a savings account, you will need to open a dedicated branch account "Habitto Branch" with GMO Aozora Net Bank, which Habitto is affiliated with. To open an account, GMO Aozora Net Bank will undergo a prescribed examination.

■Cash card with VISA debit
・0.8% of the monthly usage amount will be refunded in cash the following month.
・You can also pay at stores using a debit card.
・A debit card is a card that has a mechanism that deducts money from your Habitto savings account at the same time as the card is paid. Your deposit balance becomes the amount you can use your card, making it convenient to avoid overspending.
・Cash deposits, withdrawals, and balance inquiries can be made 24 hours a day, 365 days a year (excluding system maintenance) at your local Seven Bank, Aeon Bank, and Japan Post Bank ATMs.

■Habitto Advisor
・Advisors with FP qualifications will provide tailored advice to each individual. The consultation method is very casual. You can choose to use the in-app chat or schedule a video chat to consult directly.
・We receive questions such as ``I'm having a hard time saving money,'' ``How do I start investing?'' and ``Do I really need this insurance?'' Please feel free to ask me anything.

[About Habitto Co., Ltd.]
The company was founded by Samantha Ghiotti, an Italian woman turned venture investor turned fintech manager, and Liam McCance, an Australian entrepreneur, who met in Singapore. The two established 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, and changed the company name to Habitto Co., Ltd. in March 2023. Habitto Co., Ltd. proposes new money habits to the young generation and women in Japan, with the hope that they can "acquire financial freedom by growing their money." In order to carry out this business, in October 2022, we became the first foreign company to register as a financial services intermediary and an electronic financial services intermediary.

Habitto is a next-generation digital bank app that supports the young generation of Japan as a branch of GMO Aozora Net Bank. Leveraging GMO Aozora Net Bank's reliability and technological capabilities, we support your daily life as a financial platform that centralizes everything from money management to asset formation. We provide services that meet all your money-related needs and make asset building easy and efficient.

Features of Habitto
Manage your money easily
With Habitto, you can centrally manage your GMO Aozora Net Bank account, as well as your bank account and card balances. You can check your money flow and understand your asset status at a glance, making managing your money easier than ever.
Supports savings and asset formation
Even if you're not good at saving money, Habitto offers savings plans. You can also take advantage of advice from GMO Aozora Net Bank's experts and provide savings methods tailored to your goals. Supports asset formation and allows you to easily start saving for the future.
Safe even for investment beginners
We offer many investment products that are easy to understand even for beginners, such as investment trusts. A free consultation service from financial professionals is also available, eliminating concerns about asset management. Habitto will support you in taking the first step towards increasing your money.
Insurance review and comparison
You don't have to worry about choosing insurance. Habitto suggests the best insurance plan for you. You can compare affiliated insurance products and easily apply.
Convenient daily life with card function
Habitto also provides card functionality that supports cashless payments. It makes everyday shopping and payments convenient, and offers a generous 0.8% cashback reward. You can increase your assets efficiently while reviewing how you use your money.
Why choose Habitto?
Reliability of GMO Aozora Net Bank
Habitto, which combines the financial know-how and technological capabilities of GMO Aozora Net Bank, is both safe and convenient. From managing your money to investing and insurance, you can do it all in one app.
Supporting asset formation
We support asset formation for the future by reviewing savings, investments, and insurance. Consultation services from financial professionals are also available free of charge.
Easy to use interface
A user-friendly design that makes it easy to manage your money and check your asset status. Even beginners can use it with confidence.
What you can achieve with Habitto
Visualize your money: Manage your account and card balances all at once.
Automate your savings: Propose a savings plan tailored to your goals.
Asset formation: Increase your assets with investment trusts.
Insurance optimization: Compare and suggest insurance plans that suit you.
Cashless payment: Make everyday payments smarter with convenient card functions.
Manage your money, save, invest, insure, and build wealth with Habitto. Download now and change your financial life!