The ultimate way to spend and save
Get cash back, earn interest, and grow your savings — all for free.
KOHO is a Fintech company, not a bank. KOHO partners with a variety of banks and CDIC insured institutions to deliver our product.
Funds held securely
Earn 1.2% interest
From your Spendable to your savings, earn 1.2% interest on your entire account.
All direct deposit cash balances from your KOHO account(s) are held in trust at a Canada Deposit Insurance Corporation (CDIC) member institution. CDIC is a Canadian federal Crown corporation that insures eligible deposits at CDIC member institutions (List of Members) to a maximum $100,000 per insured category-provided certain disclosure rules are met. Coverage is free and automatic. For more information on how CDIC trust protection works, click here.
Made for all things money
KOHO is a free spending and savings account that makes your personal finances simple, smart, and super rewarding.
It’s connected to our app that tracks your spending habits and automates your savings with features like RoundUps and Goals. You also get a prepaid Visa card that gets you 0.5% cash back on every purchase, or 2% on 3 major categories with KOHO Premium.
Set up direct deposit and get 3-day early access to $100 of your paycheque in case of emergencies or unexpected bills. Time travel — it’s a thing with KOHO.Get the details
The easiest way to build your credit score (we checked!). Subscribe for $7/month and we’ll handle the nitty-gritty work of improving your credit score in just six months.See how it works
Premium: The no-brainer cash back account
It's time to step up your cash back game with KOHO Premium. Start getting 2% cash back for buying the daily essentials, like almond milk, your Thai takeout, and bus fare!
$9 monthly / $84 annualStart 30 day free trial
Get that human touch
Our products are nothing without our people. Reach out to our wonderful support agents if you ever need a helping hand, and rest assured that hand will belong to a human.
Personal finances 101
Explore our blog, AKA a collection of money lessons you never got in school.Read up