Simplify Your Finances

With a reloadable Visa card in your wallet and a full-service account on your phone, KOHO helps you spend and save mindfully. Without the pesky fees.

Simplify Your Finances

With a reloadable Visa card in your wallet and a full-service account on your phone, KOHO helps you spend and save mindfully. Without the pesky fees.

KOHO pre-paid visa cards stacked on top of each other

We are not a b*nk.

We believe the financial system should be simple, transparent, and designed to help you live a better life. That’s what we’re about. We don’t make money off of complexity or by hoodwinking our users.

We are not a b*nk.

How do you make money?

We make our money from the interchange fees that merchants are already paying.

Will it affect my credit score?

No, using KOHO won’t affect your credit score, but it will give you all of the online buying power of a credit card with the cash-only benefits of a debit card.

Is my money secure?

Yes. We’ve partnered with the federally recognized financial institution Peoples Trust to hold your funds securely.

How do you make money?

We make our money from the interchange fees that merchants are already paying.

Will it affect my credit score?

No, using KOHO won’t affect your credit score, but it will give you all of the online buying power of a credit card with the cash-only benefits of a debit card.

Is my money secure?

Yes. We’ve partnered with the federally recognized financial institution Peoples Trust Company to hold your funds securely.

You don’t have to share a bed to share finances
(but you can!)

You’ll now be able to easily share finances with a spouse, roommate, sibling, or friend with KOHO’s free Joint Accounts. Together you can track your shared expenses, contribute to common Savings Goals, and each use your own Joint Account card for everyday spending.

You don’t have to share a bed to share finances
(but you can!)

We’re building
the ultimate
savings tool

A (pretty slick) reloadable Visa* Card and app with real-time insights

Instant 0.5% cash-back because baby, you work hard

No fees. You don’t want to pay them, and we don’t want to charge them

Automated savings goals to help you finance that bachelor party or trip to NYC

Round up each purchase to the nearest $1, $2, $5, or $10 and have the difference whisked into your savings

Access to the sweetest Support Team between here and Iqaluit

Open a Joint Account to seamlessly share finances with anyone you want. No romantic involvement necessary!

WHAT CAN YOU DO WITH KOHO?

Instant Notifications:

Real-time insights into your spending. Where did your money really go?

PowerUps:

0.5% instant cash-back on all your purchases. Win-win.

RoundUps:

Round-up every purchase to the nearest $1, $2, $5, or $10 to automatically save those nickels + dimes.

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Goals:

Set a savings goal and let the app automatically set aside the funds for you on a daily, weekly, or monthly basis. Guacamole on the side and a trip to Mexico are both within reach.

The World’s Best User Support (Probably):

Get answers to your questions from a real, live, flesh and blood human who actually wants to help. Imagine that!

Insights:

KOHO categorizes your spending to give you an instant breakdown of spending. Take the guesswork out of your financial life.

Referrals:

For each friend you refer you can both get up to a $50 bonus. Friends don’t let friends pay pesky bank fees.