Take back your dreams

We exist so you can travel more, retire sooner, and live a life in balance. A reloadable card and app with real-time insights into your spending and saving.

No fees. Instant updates. Real humans answering your questions.

Take back
your dreams

We exist so you can travel more, retire sooner, and live a life in balance. A reloadable card and app with real-time insights into your spending and saving.

No fees. Instant updates. Real humans answering your questions.

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 to hold your funds securely.

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, $5, or $10 to automatically save those nickels + dimes.

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.