Buy and sell crypto in your everyday money app
Finally, simple crypto. Buy bitcoin, ethereum, and more with clear fees and no hassle, right where you already manage your money.
Crypto trading made fast and easy
Crypto doesn't have to be to be complicated. Buy and sell simply, right where you manage your money.
No hidden spreads, no unexplained markups. Just clear trading fees from 0.5% to 1.5% based on your plan.
Buy crypto assets straight from your KOHO balance. Sell back to cash instantly. No shuffling between apps or waiting for transfers.
Quick account setup, fast verification, and just $1 to start trading.
Check out features that can buy crypto for you on a schedule, or set price alerts to track the coins that matter to you.
We offer some of Canada's lowest crypto trading fees
No hidden spreads, no unexplained markups. Just clear trading fees from 0.5% to 1.5% based on your plan.
Trade without the runaround
Buy crypto assets straight from your KOHO balance. Sell back to cash instantly. No shuffling between apps or waiting for transfers.
Easy to start
Quick account setup, fast verification, and just $1 to start trading.
Stay in control
Check out features that can buy crypto for you on a schedule, or set price alerts to track the coins that matter to you.
Built with security in mind
Secure storage
Your crypto assets are held in cold storage and other regulated custodial arrangements, supported by appropriate insurance coverage. For full details on how your assets are safeguarded, please refer to Ndax’s Custody Disclosure Statement.
Regulated and compliant
Powered by Ndax, a registered Canadian crypto trading platform and CIRO member that operates in accordance with applicable Canadian regulatory requirements.
Enhanced protection measures
We use multi-factor authentication, advanced encryption, and institutional-grade security controls to protect your account and your transactions at every step.
Why settle for crypto-only platforms?
No currency conversion fees. No waiting for money to move between platforms. Just competitive rates that stay the same whether you're buying a little or a lot.
| KOHO Crypto | Other crypto platforms² | |
|---|---|---|
| Trading Fee | 0.5% to 1.5% | 0% - 3.99% with spreads and other costs sometimes built into the quoted price |
| FX Fee | 0%, all coins paired with CAD | Coins may be paired to USD, which may incur FX conversion fees for coin purchase or deposits |
| Trading & withdrawal | Buy instantly from KOHO Spendable balance, sell instantly back to CAD | Requires funding a trading account prior to trading; possible delays and fees on CAD withdrawals |
| KOHO Crypto | Other crypto platforms² |
|---|---|
| Trading Fee | 0.5% to 1.5% |
| FX Fee | 0%, all coins paired with CAD |
| Trading & withdrawal | Buy instantly from KOHO Spendable balance, sell instantly back to CAD |
What you can trade
Bitcoin, Ethereum, and more. All paired with Canadian dollars for easy trading, with even more coins launching soon.
Trade smarter. Spend and save smarter, too.
All KOHO plans come with a free 30-day trial so you can experience the difference and choose what works for you.
The perfect plan for your needs | Essential Over $100/year in value²$0/mo¹ | Everything Over $500/year in value²$14.75/mo | |
|---|---|---|---|
Benefits | |||
| Earn interest | 2% | 2.5% | 3.5% |
| Unlimited cash back on groceries, transportation, food & drinks | 1% | 1.5% | 2% |
| Unlimited cash back on everything else | 0% | 0.25% | 0.5% |
| Crypto trading fees | 1% | 1% | 0.5% |
| Metal Card | - | - |
¹Get Essential for free! Learn more
²This is an estimate. Actual savings may vary depending on individual spending habits and service usage
Start trading straight from the app
STEP 1
Tap the + icon in your KOHO app
Start trading straight from the app
STEP 2
Select the crypto asset you want (Bitcoin, Ethereum, or whatever catches your eye)
Start trading straight from the app
STEP 3
Enter your trade amount in Canadian dollars
Start trading straight from the app
STEP 4
Review all details – price and fees shown upfront
Start trading straight from the app
STEP 5
Confirm your trade whenever you’re ready
Crypto FAQ
Crypto (or crypto assets) are digital assets that use blockchain technology, which is like a shared notebook that everyone can see and safely records every transaction. Unlike regular money, no central bank controls crypto. Some examples with large market capitalization include Bitcoin and Ethereum.
Crypto comes with investment and security risks. Prices can change quickly, and the value of your investment may decrease significantly, potentially becoming worthless. You may also lose money if you sell your assets for less than you originally paid. To help manage custody‑related risks, KOHO partners with Ndax, a regulated Canadian platform and CIRO member. Ndax stores the majority of assets with qualified custodial service providers and maintains certain insurance coverage. For full details on asset storage and applicable insurance coverage, please refer to Ndax’s Custody Disclosure Statement.
For now, only Bitcoin deposits are supported from external wallets or trading platforms outside of KOHO. More coins are on the way. KOHO Crypto currently supports one-way deposits. You can deposit Bitcoin into your account, but transfers out aren’t available yet.
Cold storage means keeping crypto offline and not connected to the internet. It's like keeping valuables in a safe deposit box instead of your wallet because it can reduce exposure to online attacks since the keys are not connected online. This makes it a commonly used method for storing digital assets more securely.
To start trading crypto with KOHO, you need to: • Have a verified KOHO account • Have money in your Spendable balance • Complete your crypto profile with additional personal and financial information • Pass an Appropriateness Questionnaire administered by our partner, Ndax Canadian regulations require this questionnaire to check if crypto trading is a good fit for you. It's a safety measure to make sure you're aware of the risks before trading.
While staking is not yet available on KOHO,crypto staking lets you earn rewards by locking up certain crypto assets to help support a blockchain network. In return, you may receive rewards. Staking depends on the specific coin and platform.
Your crypto is stored securely through Ndax's custody solution. At least 80% of client crypto is held with a qualified custodians, while a small portion remains in secure operational wallets for day-to-day trading. For full details on asset storage practices and custodial insurance coverage, please refer to Ndax’s Custody Disclosure Statement.
Still have questions?
Can't find the answer you're looking for? Please chat to our friendly team.Visit our FAQs¹KOHO Crypto Accounts are offered by Ndax Canada Inc, a registered investment dealer with the Canadian Investment Regulatory Organization (CIRO) and a member of the Canadian Investor Protection Fund (CIPF). Terms and conditions apply.
²The information provided here does not include special or promotional rates and are subject to change over time. This is provided for general informational purposes only and should not be considered financial advice. The information provided here is based on generally available information in the public domain and so we strongly recommend that you review the most up-to-date terms and conditions directly from KOHO and the respective account provider before making any financial decisions. Other fees and charges may apply.