Jiko: Spendable T-Bills is a finance app developed by Jiko Technologies.
Download Statistics
Jiko: Spendable T-Bills has been downloaded 69 thousand times. In the last 30 days, the app was downloaded 3 times.
User Ratings
Jiko: Spendable T-Bills is rated 3.92 out of 5 stars. The rating is based on 110 ratings.
App Information
Jiko: Spendable T-Bills is FREE to download. The APK download size is 25.10 MB. The latest version available is 2.1.4. The last update was on May 4, 2026.
Technical Requirements
Jiko: Spendable T-Bills requires Android 5.1+ or higher. The app has a content rating of Everyone. The app has been available on Google Play October 2019.
Description
Jiko provides seamless access to the safety and yield of T-bills, paired with the spending features of a bank account.
EARN WHEN YOU SAVE Jiko’s automated trading technology keeps you invested in T-bills so you can access the safety and competitive yield of government-backed T-bills without having to trade them yourself. Your earnings are updated in real-time on the Jiko app and may be tax-exempt at the state and local level(1).
REWARDS WHEN YOU SPEND Access your money instantly by using Jiko debit cards. When you spend, your investments are automatically liquidated in real time, 24/7, to cover the cost of your purchase. Plus, you can earn 1% cashback on debit card purchases(2).
TRANSPARENT AND SECURE Treasury bills are generally considered one of the safest investments available because they’re backed by the full faith and credit of the US government. Plus, you can spend with confidence as the Jiko Solid™ Debit Card displays limited information and can be locked from the app. Use Jiko Virtual Cards to generate multiple card numbers for online spending(3).
ABOUT JIKO Jiko is a federally regulated financial institution that owns its national bank and is a registered broker. Jiko provides automated T-bill investment on behalf of customers, combined with the spending features of a bank account.
DISCLOSURES
INVESTMENTS IN T-BILLS: NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
All U.S. treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org.
Banking services provided by Jiko Bank, a division of Mid-Central National Bank.
Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheck (https://brokercheck.finra.org/firm/summary/287507), Jiko U.S. Treasuries Risk Disclosures (https://jiko.io/docs/disclosures.pdf) and Jiko Securities Inc. Form CRS (https://jiko.io/docs/CRSRelationshipSummary.pdf). Fees apply.
Illustrations are not representative of future or past performance.
1 - We do not provide tax or legal advice. Please consult your financial advisor or tax professional for advice.
2 - Those cardholders who are entitled to cashback rewards will only receive rewards for qualifying purchases. See our Reward Program Terms for more information: https://jiko.io/docs/RewardProgram.pdf.
3 - Subject to current limitations. Learn more at https://jiko.io/docs/limitations.pdf
Recent changes: [^] Bug fixes and general improvements.
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★★★★★
App works well. Haven't gotten to $100 yet to make the t bill investment. Funds transfers seem to take forever to post. Really excited for the Biko Solid card, so once that's available I may accelerate investing funds into my Biko
★★★★★
I haven't invested yet but the concept. If you've never invested with treasury direct.gov before it's kind of hard to get tbills. It looks like you can $100 denominations at a discount, and it's basically the equivalent of a discount certificate of deposit that lets you pull out when you need the money. I'm throwing in $100 to see where it goes. Wish me luck :)
★★☆☆☆
Biko offers a $500 per day debit card limit and unintuitive and clunky user interface. The debit card also runs on the Discover network which isn't nearly as accepted as Visa or MasterCard. Can't say I'd recommend.
★★☆☆☆
Too much personal information wants as number phone number email home address. Can you say stealing ur info!
★★☆☆☆
Wants too much information I don't need someone using my info to share with third parties, so they can try to sell me things based on stolen/sold info Trust me no one wants personal info stolen just to have a better experience navigating the app
Google Play Rankings for Jiko: Spendable T-Bills
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Technologies used by Jiko: Spendable T-Bills
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