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KOHO is a full-service spending and savings account with no hidden fees, instant cash back on the must-haves, and interest on your entire balance. Used by over 700,000 Canadians, the app gives you instant and easy access to your account and better ways to budget. With a reloadable prepaid Mastercard you can spend more simply and save while you do it – it’s the app made for your money.

Why KOHO?

AN ACCOUNT THAT WORKS FOR YOU
With KOHO’s new subscription plans, there’s a plan to suit whatever way you like to spend and save your money. With three different plans to choose from, including the free Easy plan, you can boost your cash back, build your credit history for less, or earn more interest – whatever floats your boat.

CASH BACK THAT’S BIG
With our standard Easy account, you’ll earn 1% cash back on groceries and up to 10% back when you shop online or in-store with our partners. With a Premium account, get 0.5% back on every purchase and 2% back on groceries, bills & services, and food & drink for just $9/month or $84/year.

FEES? NEXT, PLEASE
The average Canadian spends $159 a year in bank fees, but at KOHO, it’s a hard NO to unnecessary fees. You’ll never be charged for e-Transfers, ATM withdrawals, or hidden fees.

BUILD YOUR CREDIT HISTORY
Whip your credit history into shape with Credit Building. Simply get a line of credit, repay it on time, and voilà, you're on your way to building a better credit history and unlocking future financial goals.*

EARN INTEREST ON EVERYTHING
Yep, literally everything in your spending and savings account! No fees, no minimum balances, no promotional rates – ever.



SPEND AND SAVE, SIMPLY
KOHO is all about ease – signing up is fast and easy, and you’ll be issued a virtual card as soon as you do, so you can get spending straight away. You can use the app to pay bills, send Interac e-Transfers, set savings goals, and chat to the KOHO team if you ever have a burning question or suggestions.

REFER A FRIEND AND EARN
Know someone who’d love KOHO? When you refer a friend, you’ll get $20 and they’ll get $20, just as a little something to say thanks!

PEACE OF MIND FOR YOUR MONEY
When it comes to security – KOHO’s got you. Our partnership with Mastercard means your money is held securely. You can also lock your card in-app if you need to, and you’re always protected from unauthorized use under a Zero Liability policy.

Featured in NASDAQ, Bloomberg, The Globe and Mail, CBC, Toronto Life, Yahoo Finance, and Financial Post.

KOHO is a Fintech company, not a bank. KOHO partners with a variety of banks to deliver our product.

*Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice.