Get a KOHO Account

Download the app to sign up for a free Personal or Joint account (or both!) in minutes.

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The alternative to your traditional banking experience

You don’t have to be a millionaire to own a metal card
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.

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A NEW ERA OF BANKING

POWERUPS

Instant 0.5% Cashback

Earn rewards on all purchases and never, ever pay interest.

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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.

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REFERRALS

It Pays to Refer

Earn up to $3000 when you refer friends and family to KOHO.

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KOHO works likes a debit card, but is accepted everywhere Visa is.

Open your smart spending account now.

JOIN US
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.

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Making money by spending money?!? Sounds crazy. . . but its true with KOHO

Google Play

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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

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I absolutely love KOHO! I love getting real-time notifications and seeing how much I can spend.

App Store

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ZERO monthly fees and the support team is kind and understanding. I love KOHO. I’ll never go back to regular banking

Google Play

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Koho is a great alternative if you want to use YOUR money instead of credit. Why pay interest rates??

Facebook

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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.

Facebook

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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

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Love the look of the cards, the app is very straight forward and easy to navigate. Makes my life so much easier!

Facebook

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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

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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

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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

Twitter

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I love how you can set goals and it doesn’t show in your spendable! I can actually save!

Google Play

Get a KOHO Account

Download the app to sign up for a free Personal or Joint account (or both!) in minutes.

Hear What Our Users Have To Say

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