KOHO: Award-winning Money App

KOHO Financial

About this app

Discover a smarter way to manage money with KOHO.

Join over 1 million Canadians who trust KOHO, the modern, full-service spending, and savings account with no hidden fees, instant cash back on your must-haves, and interest on your entire balance. Whatever your financial needs, the KOHO app is catered to you with a range of tailored plans. Say goodbye to the hassle of budgeting and enjoy a seamless, user-friendly experience with the reloadable prepaid Mastercard that helps you spend wisely and save effortlessly.

PERSONALIZED PLANS FOR EVERYONE
KOHO has curated three different plans to suit any sort of spending and saving, for ultimate flexibility and freedom with your money. Boost your cash back rewards, jumpstart your credit-building journey, or earn more interest with KOHO plans - Essential, Extra, and Everything.

EARN MORE, SPEND LESS
KOHO’s awesome cash-back benefits mean you’ll be rewarded for everyday spending. Get up to 2% back on groceries, food, drink, and transportation and 0.5% cash back on all purchases.

GOODBYE, UNNECESSARY FEES
With KOHO, you'll never have to worry about e-transfer, ATM withdrawal, or hidden charges. We’re here to save you money — no more worrying about hefty bank fees.

BUILD YOUR CREDIT HISTORY
KOHO's Credit Building program helps you improve your credit history with minimal effort. Simply secure a line of credit, make timely repayments, and watch your credit history flourish, and say hello to a brighter financial future.

EARN INTEREST ON EVERYTHING
Maximize your earnings with a 5% HISA. Watch your money grow and master your savings goals. Reliable, steady growth designed to meet savings goals.

START SPENDING IN MINUTES
Sign up quickly and receive a virtual card instantly. Use the app to pay bills, send Interac e-transfers, create savings goals, and chat with the KOHO team for support or suggestions. No time like the present, right?

REFER & EARN
Share the love and earn $20 for each friend you refer to KOHO – they'll also get a $20 bonus to kickstart their financial journey!

PEACE OF MIND GUARANTEED
Partnering with Mastercard means your money is held securely. Protect yourself further by locking your card in-app and enjoy our zero-liability policy for unauthorized use.

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

KOHO is a fintech company, not a bank. We partner with a variety of banks to deliver an outstanding financial product.

*Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice. Try KOHO today and unlock your full financial potential!

KOHO
601 West Broadway, Suite 400, Vancouver BC, V5Z 4C2

Ratings and reviews

KOHO is my favorite online banking app. The app is comprehensive, breaking down its various tabs with FAQs, detailed explanation of services offered, and the money-back pairings with various services and shops is immense. While you do have to pay for the different services within the app (such as credit building, Cover fees, and account type plan), you DO see improvements in how you spend, save and move your money. My credit score has never been better.

One of my best Banking experiences, there's customer support that is absolutely awesome. And all the credit building and finance tracking that comes with the premium is definitely worth it. Especially since any regular bank youre paying more in fees just to use your account. This allows access to SO much more. In just 3 months of increased my credit score by a good 20 points

Excellent credit building! My score is steadily rising. The plans are set at great prices. My pays from various sources actually arrive days before due. Love it!!! You can lock your card at anytime. The only complaint from me is the lack of customer support. You cannot call them. This is upsetting when problems arise. But excellent budgeting app.

What's new

Limited-time offer: get $50 for every friend you refer to KOHO, & your friend will get 4 months of Everything for free!