A full-service account with no hidden fees.

The Perks

No Hidden
Fees

Automated
Savings

Referral
Rewards

Instant
Cash Back

What You Get With A Personal Account

Your Card

Powered by Visa and accepted worldwide. Pre-load your budget and earn instant cash-back on purchases. Another fun perk? Choosing a design that speaks to you.

Your App

Designed to fit your life. Do everything from paying bills to accelerating your savings. Get real-time notifications and insights on your spend.

Our Team

We’re real humans on the other side of the screen who genuinely want you to love using KOHO. Payroll Direct users have the added bonus of free financial coaching by chat or phone.

Your Card

Powered by Visa and accepted worldwide. Pre-load your budget and earn instant cash-back on purchases. Another fun perk? Choosing a design that speaks to you.

Your money is safe with us

We’ve partnered with a federally regulated bank to hold your funds and are backed by some of the industry’s leading investors.

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Open a free personal or joint spending and saving account

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