Will the Canada Post strike affect our instant virtual cards? Never. Tap away.

One place for your money and life

KOHO gives Canadians the tools to make their money grow, and make life better, every single day.

SPEND

SMARTER

One Mastercard with up to 5% cash back on every dollar.

SAVE

MORE

Grow your savings with up to 5% interest on your balance.

BUILD

CREDIT

You could boost your credit history with zero added debt.

BORROW

WITH EASE

Life happens. When you need extra cash, we’ve got you covered.

MANAGE

YOUR LIFE

From rent to travel–do it all here. Save more, stress less.

PICK A PLAN

THAT’S RIGHT FOR YOU

All KOHO plans come with a free 30 day trial so you can see if it suits you.

Essential

Earn more on the essentials your wallet cares about.

Starting from*

$0

per month

Extra

Best deal

Earn extra on your spending and savings.

Starting from*

$9

per month

Everything

Most popular

Supercharge everything in your KOHO account.

Starting from*

$19

per month

Spend freely, breathe easy

Instant approval means you can start spending and earning up to 5% cash back as soon as you sign up.

Coffee cup

Grab a coffee

One prepaid Mastercard, countless ways to enjoy your daily brew.

Illustration of nature

Fly away

Ready for takeoff? Use Pay Later in the app to book travel stress-free.

Cake

Give a gift

Earn more while you shop for yourself and others with your virtual card.

Vacation illustration

Go big with your savings goals

Up to 5% interest earned means more progress toward all your goals.

Borrow money from us

Expecting the unexpected just got easier.

Get a safety net when you need it.

Cash icon

Need a cash advance?

Borrow up to $250 for as little as $2/month with Cover. Get approved ASAP.

Calendar icon

Want to Pay Later?

Buy the big-screen TV today and pay for it in monthly installments.

Picnic illustration

Boost your credit

Better credit history could mean less debt and more opportunities.

Do the grown-up life stuff

Rent Reporting, eSIM, Travel Insurance and more. Manage your life in one place.

Why people love KOHO

“When my car needed repairs, I used KOHO's Cash Advance to quickly get $200. The process was easy and stress-free.”

Sarah

KOHO member for 10 months

Why people love KOHO

“KOHO is the best, I use it for everything.”

Kim

KOHO member for 2 years

More Features, More Flexibility

Split the bill

Birthday lunch for 10? Split the bill in seconds. Easily send and receive money in the app, no napkin math needed.

Split dinner expenses

More Features, More Flexibility

Move money

Send money, get money, move money. From expenses to everything else, follow every dollar in and out.

Track your money moving in and out of your account

More Features, More Flexibility

Live better

Look after more of what matters most. Like your home, which you can protect with Tenant Insurance.

Tenant Insurance

Security comes first, today and always

When it comes to your money, account and data,
they are safe, safe, safe. Learn more here.

Building icon

Your money

We protect what you put in

We insure deposits up to $100K with CDIC coverage and keep your money locked up tight.

Face id icon

Your account

We keep you safe from fraud

We take the necessary steps to protect your account.

Data icon

Your data

We defend your personal details

We use 256-bit encryption, which is exactly what the banks use.

KOHO works for millions of people just like you

#1 rated Canadian financial app

4.8 App Store rating

KOHO user looking at the app