What Joko actually does
Joko is a French cashback and shopping app, not a bank: it doesn't hold deposits, issue an account number, or provide a card of its own. Its whole job is turning ordinary shopping — online and in-store — into a small percentage back.
The core product
Founded in Paris in 2018 and backed by investors including Partech, with more than €12 million raised across its early funding rounds, Joko was certified as a B Corporation in 2022, a third-party audit of its social and environmental practices.
The app is free to download and use, with no subscription tier and no fee charged to the shopper — Joko earns its revenue from commissions retailers pay it for referred sales, and shares part of that back as cashback.
Cashback comes in a few forms:
- Automatic rewards through browser extensions when shopping online
- Card-linked offers that trigger automatically when a linked payment card is used in a partner store
- Offers that need activating manually before a purchase
Accumulated cashback sits in a Joko balance and can be redeemed as an instant bank transfer or converted into a retailer gift card.
Joko lists thousands of partner retailers for cashback — more than 7,500 by its own earlier public count, though the exact number shown varies by country and channel (its French homepage currently cites around 3,500 partner brands, likely reflecting France-specific coverage rather than its full international network).
What's new or notable
Joko's app now markets itself around "Juno," an AI shopping assistant that the company says analyzes large numbers of products to help find a good option at a competitive price.
Alongside the core cashback loop, the app also bundles:
- Automatic promo-code application at checkout
- Gift-card purchases with instant cashback
- Loyalty-card storage
- A fee-free "pay in 3 instalments" option on eligible purchases
- Basic budget tracking
- A carbon-impact estimate tied to shopping activity
That's a broader feature set than a pure cashback app, though none of it changes the fact that Joko sits on top of ordinary shopping rather than replacing any financial account.
Who should use Joko
Great fit if…
- You already shop with major retailers Joko partners with — Amazon, Apple, Nike, Sephora, Decathlon and similar large names are covered, so cashback accrues on spending you'd do anyway.
- You're comfortable linking a payment card — that's what unlocks the most convenient feature, automatic in-store cashback, without needing to scan receipts or activate offers manually.
- You want free instalment payments on eligible purchases — the in-app "pay in 3" option carries no fee, unlike some retailer-run buy-now-pay-later options.
Skip it if…
- You don't want a shopping app seeing your card activity — automatic in-store rewards require linking a bank card, which means Joko's systems see where and how much that card is spent, even though it never handles the payment itself.
- You want a guaranteed, fixed cashback rate — rates are set per retailer and change over time, so what you actually earn varies a lot depending on where and when you shop.
- You need a real financial account — cashback sits in a Joko balance, not a deposit account; there's no IBAN, card or spending account attached to it.
Pricing in detail
There's no plan to choose — Joko is free for shoppers in every version of the app.
| Plan | Price | What's included |
|---|---|---|
| Joko app | Free | Cashback on online and in-store purchases, automatic promo codes, gift-card cashback, loyalty-card storage, fee-free 3-instalment payments on eligible purchases, and the Juno AI shopping assistant |
Where it falls short
- Card-linked, automatic in-store cashback is mobile-only — and only works once a payment card is linked; without that link, in-store rewards mostly require manually scanning receipts or activating offers first.
- It's not a bank account or savings product — cashback sits in a Joko balance until redeemed as a bank transfer or gift card; it is not deposit-protected money, and there's no card, IBAN or spending account attached to it.
- Cashback rates fluctuate — rates and offers are set per retailer and change over time, so earnings vary a lot rather than being a fixed, guaranteed percentage.
- No native desktop app — using Joko on a computer means installing a browser extension; the fuller feature set (card-linked offers, receipt scanning, Juno) is mobile-only.
Privacy & data
As a French company, Joko is subject to GDPR and CNIL oversight, and its card-linking feature necessarily means it can see transaction-level data — where and how much a linked card spends at partner retailers — in order to trigger automatic cashback.
Joko's public site doesn't detail specifics like its encryption standards or exactly how long transaction data is retained, so beyond the general GDPR protections that apply to any EU shopping or fintech app, we can't independently confirm more than that; its own privacy policy is the place to check before linking a card if that level of detail matters to you.
How we checked this
This review is based on Joko's official site, checked on 2026-09-04 (joko.com redirects to home.joko.com for the French market), including its stated retailer count, funding history, B Corp certification and current feature list. We did not install the app, link a card, or test actual cashback payouts, so real-world redemption speed and per-retailer rates should be checked directly in the app.