KOHO: Canada's Money App

Make money progress with KOHO.

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Join over 2 million Canadians who trust KOHO as the ultimate way to spend and save—no hidden fees, no fine print, no catch. With a prepaid Mastercard and innovative tools, we provide our users with the ability to earn money, spend, borrow, build credit, and budget—all in one convenient app. KOHO’s mission is to make managing money accessible, engaging, and user-friendly, ensuring that everyone has the resources they need to take control of their financial future.

PERSONALIZED PLANS FOR EVERYONE

KOHO has curated three different plans to suit any sort of spending and saving, for ultimate 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 earn rewards for everyday spending. Get up to 2% back on groceries, food, drink, and transportation and 0.5% cash back on all purchases. More cash back means more money in your pocket.

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 hidden bank fees.

CHECK YOUR CREDIT SCORE FOR FREE

Sign up for a KOHO account in less than five minutes, and with a 30 day trial you can check your credit score for free!

GET A FREE COPY OF YOUR EQUIFAX CREDIT REPORT

Your credit report shows your borrowing and payment history, giving you a daily look at how you’re doing and what you could do to improve your credit score.

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 build your credit history. A strong history can raise your credit score.

EARN INTEREST ON EVERYTHING

Maximize your earnings with up to 4% high-interest savings. 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 Mastercard instantly. Use the app to pay bills, send Interac e-transfers, create and track savings goals, and chat with the KOHO team for support or suggestions. No time like the present, right?

SEND AN INTERNATIONAL MONEY TRANSFER

Send money abroad quickly and securely at competitive exchange rates. Whether you’re supporting family, paying for services, or making purchases overseas, you can transfer funds in just a few taps.

PAY OFF PURCHASES UP TO $1,000 IN MONTHLY INSTALMENTS

With Pay Later, you have the flexibility to pay for your eligible purchases at your own pace. Say goodbye to the pressure of immediate payments and hello to the freedom of spreading out your expenses into monthly payments.

SIMPLIFY SHARED EXPENSES WITH OUR BILL SPLIT FEATURE!

You can create groups, invite members, and then request payments from group members for shared expenses.

It’s great for:
- Splitting restaurant bills with friends
- Sharing costs for group trips or events
- Managing shared expenses with roommates, such as rent, utilities, or groceries

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