Open your online account with KOHO–make your money grow
Choose a plan that helps you get ahead. Earn Cash Back, interest on your entire balance, and build your credit history for less.
The best online account for you
Get the tools to spend smarter, save faster, and feel good about managing your money.
The convenience of a credit card, with the control of a debit card. Use it anywhere Mastercard is accepted, earn Cash Back, and never worry about sneaky charges or falling into debt.
Earn up to 3.5% on your entire balance with no minimum requirements. An easy way to reach your savings goals faster.
KOHO is your everyday Mastercard with all the travel perks and none of the fuss. Connect everywhere with an eSIM and up to 3GB of data, no foreign transaction fees and free international ATM withdrawals.
Share expenses and earn rewards together with a KOHO Joint account. Get up to 3.5% Interest and 2% Cash Back on shared spending.
Just arrived in Canada? It can take time to open a bank account with the traditional banks. With KOHO, you can open one online, instantly–no credit history needed.
With KOHO, International Money Transfer is always fast and secure with some of the lowest exchange rates around. Send money to 190+ countries, like the Philippines, India, Pakistan and more.
An account that’s worth the price
Borrow money from us
Get a safety net when you need it, with a cash advance or Pay Later.
Spend freely, breathe easy
Instant approval means you can start spending and earning up to 2% Cash Back once you sign up.
Go big with your savings goals
Up to 3.5% interest earned means more progress toward your goals.
Do the grown-up life stuff
eSIM, Crypto and more. Manage your life in one place.
Boost your credit
Better credit history could mean more opportunities and less debt.
Pick an online account and try it for free
KOHO plans start at $0 each month and come with a free 30 day trial, so you can see if it’s the right fit.
The perfect plan for your needs | Core Over $100/year in value¹$0/mo | Everything Over $500/year in value¹$14.75/mo | |
|---|---|---|---|
Everyday | |||
| Unlimited Cash Back on groceries, transportation, food & drinks | 1% | 1.5% | 2% |
| Earn interest | 2% | 2.5% | 3.5% |
| Unlimited Cash Back on everything else | 0% | 0.25% | 0.5% |
| Up to 6.5% extra Cash Back | |||
| Cash Back and interest rates applied to Joint account | - | - | |
| Metal Card | - | - | |
| Access to Virtual Card Library | |||
| Spending Insights | |||
| Withdraw or deposit cash at anytime | |||
| Unlimited transactions | |||
| Savings goals + Roundups | |||
| Phone Support | |||
| Crypto trading fees | 0.5% | 0.5% | 0.5% |
| Free real-time e-transfers | |||
Credit Building | |||
| Discount on Credit Building | - | 30% | 50% |
| Free Credit Report | - | - | |
| Free Credit Score | |||
Travel | |||
| No Foreign Transaction Fees | - | ||
| No International ATM fees | - | 1st Free | 1st Free |
| Free eSIM | Access | 1GB free every month | 3GB free every month |
¹This is an estimate. Actual savings may vary depending on individual spending habits and service usage
Signing up is simple
We’re talking five minutes, zero credit checks.
Our members say it best
Got questions?
Absolutely. You can get the monthly Core plan for free.
Here’s everything you get with a Core plan–all for free!
- 2% interest on your entire balance
- 1% Cash Back on groceries, eating and drinking and transport
- Up to 6.5% extra Cash Back at select merchants
- Build credit history with KOHO Credit Building
- Instant e-Transfers
- Unlimited transactions
- Up to $100K of your money is eligible for CDIC protection²
- Free Credit Score
You start earning interest on your entire balance as soon as you sign up. Interest is calculated daily and paid out monthly, with no minimum balance. So your money works harder from day one.
Right now it’s only available to Canadian residents. But you can use your card worldwide, wherever Mastercard is accepted. With the Everything plan, you won’t get charged foreign transaction fees and get free ATM withdrawals. It’s a Mastercard with all the travel perks.
Of course. Your KOHO card works for all online purchases just like any Mastercard. Plus, you'll earn cash back on everything you buy.
Online security comes first. We keep your money safe from fraud and always protect your data. So you can set up payments, subscribe to services and shop online knowing your account is safe.
Still have questions?
Can't find the answer you're looking for? Please chat to our friendly team.Visit our FAQs
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