Interest paid day after day after day
Open an account in seconds, and see your money grow — every single day.
USD
steady & consistent
3-5%
APR
growing fast
15-19%
APR
high-growth momentum
20-30%
APR
EUR
steady & consistent
5.28%
APR
The Annual Equivalent Rate (AER) shows the interest you can earn over 1 year. AER is compounded, so you’ll earn interest on interest already earned. Rates depend on your plan type and savings' currency, from up to 4% on our Standard plan to up to 5% on our Ultra plan. Paid plan subscription fees and T&Cs apply. Interest offered is subject to change and any interest earned is liable to the applicable taxes. Instant Access Savings T&Cs apply.
More ways to earn with the johi circle
No lock-in, no complexity
Start with any amount, access your funds anytime. No confusing dashboards or commitment periods.
Dynamic returns based on your growth
The more consistent your creative momentum, the higher your potential earnings — up to 30% APR.
USD & EUR
support
Earn in the currency that works for you. Flat 5.28% APR in EUR (where available), or tiered returns in USD.