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Habitto
Founded 2021 · 17 employees on LinkedIn · 6 known investors
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Habitto is a Japanese financial platform offering savings, investment, insurance, and free personalized money advice. Positioned as an "advising digital bank," it targets younger generations in Japan with high deposit rates and curated insurance and investment fund partners.
Also known as Habitto · ハビット
Investors · 6
How we know: DG Daiwa Ventures's portfolio page · Not right? Tell us
How we know: QED Investors's portfolio page · the VCSheet dataset · Not right? Tell us
How we know: Saison Capital's portfolio page · the VCSheet dataset · Not right? Tell us
Company profile
researched Aug 2026Habitto is a Japan-focused consumer financial service delivered through a mobile account. Its offering is organised around three functions described on its own site as depositing, spending and planning: a savings account, a VISA debit card, and access to human financial advisers.
The savings account pays a stated annual interest rate of 0.7% (0.557% after tax) on balances up to JPY 1,000,000, with 0.4% (0.318% after tax) applied to the portion of a balance exceeding that threshold; the company notes the rate is variable. The accompanying VISA debit card returns 0.8% cashback on spending, including top-ups of transit IC cards but excluding Revolut, and spending is capped by the account balance. Cash deposits and withdrawals are available at Seven Bank and Japan Post Bank ATMs. The third pillar, Habitto Advisor, provides one-to-one consultations covering how to begin investing and saving, insurance, and life planning.
Business model
Habitto provides a deposit account, a card payment product and an advisory service to individual consumers in Japan through a single mobile account.
▸Full profile — market position, technology, go-to-market, geography
Market position
Combines a deposit rate the company describes as among the highest for ordinary savings in Japan and a flat 0.8% cashback debit card with access to human advisers within the same account, and limits card spending to the account balance to curb overspending.
Technology
A mobile account through which customers open and manage a savings account, use a VISA debit card and book advisory consultations; the site also offers content and financial tools.
Go-to-market
Direct-to-consumer sign-up for a Habitto account via its website and mobile service, supported by published content, financial tools and customer reviews, with support offered at support@habitto.com.
Individual consumers in Japan, including people new to growing their money, who want to manage day-to-day spending alongside longer-term saving and life planning.
Geography
Japan; the site is presented in Japanese and references domestic ATM networks (Seven Bank, Japan Post Bank) and a domestically benchmarked deposit rate.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
▸Research sources · 1
primary sources listed
- Habittohabitto.com · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Habitto do?
- Japanese mobile money service pairing a high-rate savings account and VISA debit card with one-on-one financial advice.
- Who are Habitto's investors?
- Habitto's investors include Anthemis Venture, DG Daiwa Ventures, GMO VenturePartners, QED Investors, Saison Capital, Scrum Ventures.