Jiko: Spendable T-Bills

• Free

Last verified 6 Aug 2026

4.5 47 ratings · App Store

1. 5/5Safe and Easy to Use

   Best bank for anyone unfamiliar with banking and just want a safe and EASY place to put their money. Jiko has by far the easiest and most intuitive UI of any fintech app out there. The app’s minimal design is backed up by a super safe framework that lets you essentially have a high-yield savings account that doubles as a checking account since you can use the money whenever wherever you want. You also get 1% cash back on your debit card which is cool since the only other bank that does that is Discover and you can’t go to any and all ATMs with them 🤷‍♂️. Overall it’s just real simple and safe to use so if you’re not too familiar with finance it’s perfect and has honestly saved me from the hassle of dealing with traditional banks. I will say however they do lack a few small features that traditional banks have like depositing checks but even that’s not really an issue since you can scan them on Venmo or PayPal and just transfer from there.

   Siphon04 · 6 Aug 2026

2. 5/5Underrated Gem of Fintech Apps

   After using Jiko for a few years, I can confidently say Jiko is truly an underrated gem of fintech/neobanking apps. It’s the easiest ways to buy and invest in T-Bills, but use them like cash. Jiko’s ACH portals give me the confidence that if an external company I use and pay directly (say, an utility provider) has a data breach and my bank information is compromised, I can just remove the ACH portal in Jiko and create a new one. No headache. The added benefit of 1% back on debit card purchases is a huge bonus - I used it to pay my federal taxes and got cash back!

   andrewbcaldwell · 6 Aug 2026

3. 5/5Underrated APP

   I have used JIKO for a couple of years now. I have to say the team behind the app is unreal in support and information needed to help you with any of the needs of the app. With a 1% cash back debit card and the initial security of the no facing debit card “no numbers on the debit card” along with the ability to create ach portals and virtual cards enhance the security even more…alll this is topped with a beautiful cherry of your money automatically being invested in t-bills (at $100 increments). What more could you ask for 😎

   Jbones3213 · 6 Aug 2026

4. 5/5Enjoy

   I very much enjoy the unlimited virtual cards. I’m finding they are down today but I enjoy being able to use a new card via each transaction I make. Excellent

   cherylgirl1121 · 6 Aug 2026

5. 5/5Great Experience

   I’ve been banking on Jiko for a few years now. I love the app and the satisfaction of having my money in a place that gives great yield. Overall a great concept and happy with the service!

   Shishiv · 6 Aug 2026

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