Plans for all sorts of spending and saving

Choose a plan that works perfectly with your wallet. Earn cash back, interest on your entire balance, and build your credit history for less.
Open AccountGet Started
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Pick a plan and try it with no cost

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*

$4/month

Try Essential, free

  • 1% cash back on groceries, transportation, food, and drink
  • 5% interest on your entire balance
  • 30% off Credit Building
View all benefits

Best deal

Extra

Earn extra on your spending and savings.
Starting from*

$9/month

  • 1.5% cash back on groceries, transportation, food, and drink
  • 5% interest on your entire balance
  • 30% off Credit Building
  • No foreign transaction fees
  • Real-time e-Transfers

Most popular

Logo Everything
Supercharge everything in your KOHO account.
Starting from*

$19/month

  • 2% cash back on groceries, transportation, food, and drink
  • 5% interest on your entire balance
  • 50% off Credit Building
  • No foreign transaction fees
  • Real-time e-Transfers

Essential

Earn more on the essentials your wallet cares about.
Starting from*

$4/month

  • 1% cash back on groceries, transportation, food, and drink
  • 5% interest on your entire balance
  • 30% off Credit Building

Best deal

Extra

Earn extra on your spending and savings.
Starting from*

$9/month

  • 1.5% cash back on groceries, transportation, food, and drink
  • 5% interest on your entire balance
  • 30% off Credit Building
  • No foreign transaction fees
  • Real-time e-Transfers

Most popular

Logo Everything
Supercharge everything in your KOHO account.
Starting from*

$19/month

  • 2% cash back on groceries, transportation, food, and drink
  • 5% interest on your entire balance
  • 50% off Credit Building
  • No foreign transaction fees
  • Real-time e-Transfers

All subscription plans come with:

A virtual card and the option of a physical one
Up to 5% cash back
Interest on your entire balance, even your Spendable
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Compare plans

No two plans are the same, and every one has a different set of features, so use the table below to find the one that suits you.

Cards

Essential
$4
/mo
Extra
$9
/mo
$19
/mo
Virtual
Physical
Premium card

Cash back

Essential
$4
/mo
Extra
$9
/mo
$19
/mo
Groceries
1%
1.5%
2%
Transportation
1%
1.5%
2%
Eating & drinking
1%
1.5%
2%
All purchases
0%
0.25%
0.5%

Interest

Essential
$4
/mo
Extra
$9
/mo
$19
/mo
Amount
5%
on your entire balance
5%
on your entire balance
5%
on your entire balance

Credit Building

Essential
$4
/mo
Extra
$9
/mo
$19
/mo
Price
$7
$7
$5

Features

Essential
$4
/mo
Extra
$9
/mo
$19
/mo
Lock card in-app
RoundUps
Extra cash back with partners
No FX fees
1 free international ATM withdrawal / month
1 free credit score check / month
Get Essential

Which colour has your name on it?

With every subscription plan you can opt-in to get a physical Mastercard and choose a colour combo that has you written all over it.
Blueberried Caviar
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Sunkissed Skinny Dip
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Frozen Cherry Soda
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Gilded Cotton Candy
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Premium
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Blueberried Caviar
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Signing up is simple

We’re talking 5 minutes, zero credit checks.
Open AccountGet Started

Questions?

We sure do! KOHO offers a free joint account for $0 a month. You can sign up for our joint account online right here. Share finances and savings goals, get instant notifications when you or your partner spend from the account, and earn 0.5% cash back on groceries, and transportation.
Once you sign up for a subscription plan you’ll need to opt in on the Interest page in-app to start earning interest on everything in your spending and savings account. Depending on your plan, the interest is an annual rate that’s calculated daily and paid out monthly to maximize your earnings. You’ll start earning once you choose to opt in.
KOHO is a Canadian Fintech company that’s based in Toronto. While it’s not a bank, KOHO offers spending accounts in Canada in Partnership with People’s Trust. KOHO has a mobile app and a prepaid Mastercard and is only available in Canada.
The short answer – yes! Since KOHO comes with a prepaid Mastercard, you can shop online with your KOHO card on any website or online store that accepts Mastercard.
Our Essential plan is $4 a month, or $48 per year, and gives you 1% cash back on groceries, transportation, and eating & drinking, as well as 0.25% cash back on everything else. You'll also get 5% interest on your entire balance. Our Extra plan costs $9 a month, or $84 a year, and gives you 1.5% cash back on groceries, transportation, eating & drinking and 0.25% cash back on everything else. You'll also get 5% interest on your entire balance. Our Everything plan is a $19 month, or $228 a year, and give you 2% cash back on groceries, transportation, eating & drinking and 0.5% on everything else. You'll also get 5% interest on your entire balance.
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The KOHO Mastercard® Prepaid card is issued by KOHO Financial Inc. pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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