The ultimate way to get instant cash back
Earn 1% cash back on groceries, bills & services, and up to 5% extra cash back when you shop online or in-store with our partners.Open AccountGet Started
The best account for better finances
Cash back on the must-haves
Subscription plans for all sorts of spending and saving
Stay connected and protected
It’s not just another card
We’ve thought of just about everything you’d need to improve your financial health.
Build your credit history for only $10/m.
Earn interest on both your spending and savings account.
Life happens. We’ve got you covered with zero-interest overdraft protection.
The proof is in the praise
KOHO has been featured in:
4.8 star rating
Not bad for a financial app
An incredibly easy way to see what you're spending and to set goals and reach them. Also, you can't beat free!
Great features and built for the 21st century, empowering people to make better choices!
2. Foreign Transaction Fees (FX fees): With a regular KOHO account, you will be charged 1.5% on non-Canadian transactions made with your KOHO card. Want to skip the fee? Sign up for an Extra account to have all FX fees waived.
Deep-dive into the details of our Card Holder Agreement
*Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice