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.
Learn More >A NEW ERA OF BANKING
Instant 0.5% Cashback
Earn rewards on all purchases and never, ever pay interest.
Read On! >
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.
More Info >
It Pays to Refer
Earn up to 12.5% cashback through PowerUps when you refer friends and family to KOHO.
Learn more >KOHO works like a debit card, but is accepted everywhere Visa is.
Open your smart spending account now.
JOIN USHear 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
ZERO monthly fees and the support team is kind and understanding. I love KOHO. I’ll never go back to regular banking
Google Play
Koho is a great alternative if you want to use YOUR money instead of credit. Why pay interest rates??
This card is awesome! A hybrid between a credit card and debit card. Allows me to track my spending and I get 0.50% cashback.
The savings goals are so helpful - I’m happy I can divide my money into different goals, and not just one place like at the bank.
App Store
Love the look of the cards, the app is very straight forward and easy to navigate. Makes my life so much easier!
I absolutely love that I don’t have to use my credit card to shop online. The app is fantastic. I would give it 6 stars if I could!
Google Play
An incredibly easy way to see what you’re spending and to set goals and reach them. Also, you can’t beat free!
Google Play
I’ve been in the process of switching everything to KOHO because they are so great, easy to deal with, and so friendly and helpful always
I love how you can set goals and it doesn’t show in your spendable! I can actually save!
Google Play