A era that is new of. Say hello to balance that is financial goodbye to charge card interest and astonishing bank charges.

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A era that is new of. Say hello to balance that is financial goodbye to charge card interest and astonishing bank charges.

A era that is new of. Say hello to balance that is financial goodbye to charge card interest and astonishing bank charges.

Say hello to balance that is financial goodbye to bank card interest and astonishing bank charges.

Funds held firmly

A era that is new of

Funds held firmly

Early Payroll

Your hard earned money, faster and free. No credit checks, no interest, no charges.


Earn whenever you invest and conserve, all in one single destination. Make money right back on every purchase and an aggressive interest regarding the entire damn stability.

Save. Invest. Budget.

KOHO is just a free account that is chequing makes it simple to feel good about saving and spending.

Your application and prepaid Visa card come together to create banking that is day-to-day and stress-free.

KOHO is just a free account that is chequing makes it simple to feel good about saving and investing.

Your software and prepaid Visa card come together to make banking that is day-to-day and stress-free.

Slice the bank charges.
Boost your cost savings.


Spending Plan

Automate your cost savings with objectives and RoundUps. Rounding up every purchase enables you to stash some savings away, while objectives ensure it is more straightforward to save your self for whatever it’s that produces you pleased.

Get immediate 0.5% cash return on every purchase, or 2% on 3 categories that are major KOHO Premium. Plus, have more cash return with your Partner Partner Powerups.

Track your investing habits and policy for every thing life tosses at you. Understand for which you are at in real time with instant notifications every time you may spend.

Personalize your KOHO account


A free account only for you.


Combined funds for just two.


A 16g card for any account.


The cash that is ultimate card

4.8 celebrity score

Pretty good for a financial item. Join over 175,000 Canadians utilizing KOHO.


What is KOHO?

KOHO is a little such as a chequing account, because of the perks of a charge card.

The same as an account that is chequing you are able to place money in your KOHO account after which invest that money however the thing is that fit. And like a credit card, you’ll get cashback as well as other perks, plus you can make use of your card anywhere Visa is accepted.

The main element huge difference is that unlike credit cards, it is currently your hard earned money, which can make you may spend more mindfully and conserve more. In reality, the typical KOHO individual saves 7% of fitness singles com review whatever cash they load in their account.

How can KOHO work?

It is pretty easy: you add funds to your KOHO account either through e- moving from your own regular banking account or by getting your work’s payroll deposit your paycheque straight (Direct Deposit).

Then, you utilize your KOHO card, in a choice of person or online, in order to make acquisitions, like everyone else would with debit or credit.

The card is a prepaid Visa, so we operate on the Visa system, so for merchants your card functions exactly like a normal bank card transaction.

Okay, so how does KOHO put my cash?

We’ve partnered with Peoples Trust, a federally regulated and CDIC-insured bank to hold hardly any money you load on your KOHO card. Which means if any such thing were to take place to us, your cash will be safe and you’d manage to get access to it through Peoples Trust.

Why is KOHO unique of a typical debit account?

The huge difference is that we’re digital first.

Our prices are low therefore we prioritize making our users feel empowered about their monetary choices over things such as offline bank branches and street corner ATMs (though KOHO works at any ol’ ATM, and now we won’t charge a fee for making use of one).

And, you get cashback (PowerUps) on all of your acquisitions. With A koho that is regular account you earn 0.5% cashback on every purchase. With KOHO Premium, you get a supplementary 1.5% on 3 major groups.

Additionally, our software is pretty awesome.

Therefore, why is the application awesome?

We’ve put into the research time for you to ensure it is simple that is dead make use of, and there are numerous integral methods to take full advantage of your cash.

We tweak and enhance our application to be able to launch updates every three months. Which, become frank, is certainly not thing many banking institutions can state. Many banking institutions often to produce version that is new of apps annually.

Do we nevertheless require a bank that is regular if We have KOHO?

Seriously? Probably, yes – you could utilize KOHO for some of one’s needs that are day-to-day get other bank as back up.

You never need to write paper cheques, you can use KOHO for all your chequing account needs if you’re down to have your paycheque deposited directly and.

It’s super simple to cover your bills from your own KOHO account. You could deliver unlimited free e-Transfers, and, needless to say, utilize the card anywhere Visa is accepted. And you may deposit e-Transfers off their KOHO users immediately.

If you wish to compose cheques, or enjoy e-Transfers from non-KOHO records, you’ll still require a regular banking account for anyone functions.

Just how do many people use KOHO?

Many people start off through the use of KOHO for the enjoyable type of spending – loading their account with what’s left over after accounting for standard costs and cost savings. The spendable that is guilt-free in the event that you will.

Some fiscal experts suggest around 30percent of each and every paycheque is going toward guilt-free investing, however your certain spending plan might vary.

It is just like effortless as reaching for credit cards, however it won’t run you 20% to invest in everything and you know you’re staying within your means since it’s already your money.