KOHO: Award-winning Money App

Make money progress with KOHO. Join 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, 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 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 Builder 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 scores. EARN INTEREST ON EVERYTHING Maximize your earnings with up to 3.5% 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 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 k