Habitto (ハビット)

Habitto

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 dedicated 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 the start of your new money habits! -

[Introduction of main functions]
■Savings account
・Habitto offers the highest interest rate in Japan for ordinary deposits at 0.4% (before tax, balances up to 1 million yen) 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, there is a prescribed examination by GMO Aozora Net Bank.

■Cash card with VISA debit
・0.6% of your 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 your card usage balance, 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 younger 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.