The alternative to your traditional banking experience
WHAT WE DO
Banking is complex and robotic. We make it simple and human.
A full-service account with no hidden fees for everyday spending and tomorrow's savings.
A NEW ERA OF BANKING
ROUNDUPS & GOALS
Savings Designed For You
Automate your savings goals and save as you spend by rounding up purchases to the nearest $1, $2, $5, or $10.
REFERRALS
It Pays to Refer
Earn up to 12.5% cashback through PowerUps when you refer friends and family to KOHO.
KOHO works like a debit card, but is accepted everywhere Visa is.
Open your smart spending account now.
4.8/5 average app store rating
Hear What Our Users Have To Say
We've compiled your kind words from Twitter, Facebook, Instagram, and the app stores.
Making money by spending money?!? Sounds crazy. . . but its true with KOHO
Google Play
I can’t recommend KOHO enough. It’s a marriage of a bank and a budgeting app. There is no reason to have banking fees. . . and KOHO gets that.
Google Play
I absolutely love KOHO! I love getting real-time notifications and seeing how much I can spend.
App Store
Get a KOHO Account
Download the app to sign up for a free Personal or Joint account (or both!) in minutes.