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.

Download KOHO for Android in the Google Play Store Download KOHO for iOS in the App Store

Take back
your dreams

Download KOHO for Android in the Google Play Store Download KOHO for iOS in the App Store

A screenshot of the KOHO app

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.

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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.

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.

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.

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

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?

KOHO Instant Notifications

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.

KOHO RoundUps

RoundUps:

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

KOHO Goals

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!

KOHO Insights

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.

WHAT CAN YOU DO WITH KOHO?

Instant Notifications:

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

KOHO Instant Notifications

WHAT YOU CAN DO WITH KOHO?

PowerUps:

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

KOHO PowerUps

WHAT YOU CAN DO WITH KOHO?

RoundUps:

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

KOHO RoundUps

WHAT YOU CAN DO WITH KOHO?

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.

KOHO Goals

WHAT YOU CAN DO WITH KOHO?

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!

Screenshot of our in-app chat

WHAT YOU CAN DO WITH KOHO?

Insights:

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

KOHO Insights

WHAT YOU CAN DO WITH KOHO?

Referrals:

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

Screenshot of the Referrals feature in the app. Friends don't let friends pay pesky fees. You and your pal will each get $10 on their first purchase.

THE BUZZ

Join the tens of thousands of Canadians who are using KOHO to spend smarter, save quicker, and restore financial balance.

Love the idea of having my transactions rounded to the nearest 1, 5, 10 amounts. Genius!
—Rob
It’s the best app. I used it for my local and international transactions and it’s the best, no issues and very fast.
—Tricia
This app is extremely user friendly and hands down the best way to “visualize” your spending. I love the goal feature and free e-Transfers!
—Drohn
This card is life changing…Takes all the guesswork and governs your spending for you. 5 stars.
—Curtis
The best fintech innovation I’ve seen…it’s now a staple financial tool for my own money management.
—Bridget
KOHO has been so amazing and feature rich since launch, and continues to innovate and add more to satisfy the savers and the spenders. KOHO is just, awesome.
—Roman
Love KOHO. I use them all the time and they’re always listening with suggestions or random stuff I tell them!
—Matthias
The best not bank, bank. Quick customer responses. Intuitive design, fantastic customer service. Streamlines the process of using your money how you want.
—Joshua
 
Koho restore balance
Download on the App Store  Get it on Google Play

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The KOHO Visa* Prepaid card is issued by Peoples Trust Company pursuant to license by Visa Int. *Trademark of Visa Int., used under license. **These services are provided by Service Providers, including Visa, Peoples Trust Company and Galileo Processing. Learn more about your finances with Visa’s Practical Money Skills. La carte prépayée Visa KOHO est émise par la Compagnie de Fiducie Peoples en vertu d’une licence accordée par Visa Int. *Marque de commerce de Visa Int., utilisée sous licence. **Ces services sont fournis par des fournisseurs de services comme Visa, la Compagnie de Fiducie Peoples et Galileo Processing

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