Extra

Earn extra on your spending and savings

The plan that makes your money go even further with cash back on every purchase and high interest savings for just $9 per month.
Get Extra
Earn extra from your spending and savings
Earn 5% interest on your entire balance
Get cash back every time you tap
Build your credit history for 30% less
Earn 5% interest on your entire balance
Get cash back every time you tap
Build your credit history for 30% less
Earn interest, get cash back, all on one app
Earn interest, get cash back, all on one app

Choose Extra if you like the sound of:

2% cash back on groceries, eating & drinking, and transportation
0.5% cash back on all other purchases
5% interest on your entire balance
No FX fees
reloadable prepaid KOHO Mastercard
Credit Building for $7 / month instead of $10
Unlimited e-Transfers
Up to 5% extra cash back at selected merchants
Up to $100K of your money earning interest is protected by CDIC

Don’t just take our word for it

Perfect Mobile Store Rating
Convenient & nice rewards! Superb for managing tight budgets in our current environment!
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Perfect Mobile Store Rating
Awesome, easy to use service! There are lots of great incentives.
Google Play Logo
Perfect Mobile Store Rating
Saving made easy
App Store Logo
Perfect Mobile Store Rating
Convenient & nice rewards! Superb for managing tight budgets in our current environment!
Google Play Logo
Perfect Mobile Store Rating
Awesome, easy to use service! There are lots of great incentives.
Google Play Logo
Perfect Mobile Store Rating
Saving made easy
App Store Logo

With every plan you can:

Shop securely online with a virtual card
Build your credit history with Credit Building
Save on the app with features like RoundUps, Savings Goals and, Vaults
KOHO’s easy-to-use mobile app with virtual card

Pick a plan and try it free

All KOHO plans come with a free 30 day trial so you can see if it suits you.

Easy

Free and easy earning on the must-haves.
Always & forever

Free

Try Easy, free

  • 1% cash back on groceries, and transportation
  • 3% interest on your balance
  • No monthly fees
View all benefits

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

  • 2% cash back on groceries, transportation, food, and drink
  • 5% interest on your entire balance
  • 30% off Credit Building
  • No foreign transaction fees

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

Easy

Free and easy earning on the must-haves.
Always & forever

Free

  • 1% cash back on groceries, and transportation
  • 3% interest on your balance
  • No monthly fees

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

  • 2% cash back on groceries, transportation, food, and drink
  • 5% interest on your entire balance
  • 30% off Credit Building
  • No foreign transaction fees

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

Signing up is simple

We’re talking five minutes, zero credit checks.
Get Extra

Questions?

The Canada Deposit Insurance Corporation, or CDIC, is a Crown Corporation that provides deposit insurance to banks and financial institutions like KOHO. It insures Canadians' deposits, held up to C$100,000, in case of a bank failure. Once you opt-in to earn interest, you can rest assured your money is safe with us.
The Credit Building feature is available as an add-on across all plans — on the Extra plan you can sign up for an extra $7 instead of the usual $10. You simply take out a line of credit with KOHO and on time repayments build your credit history which can build your credit score.
Cash back on transportation includes things like your transit card top-up, train or bus ticket, gas purchases, Ubers or Lyfts, and more. It’s worth noting, a flight purchase doesn’t qualify as transportation as it’s typically categorized as travel.
You sure can. If you want to switch to another plan you can do it at the end of your next billing cycle in the app. You can find a bit more on this here.
Once you sign up for Extra you’ll need to opt in on the Interest page in-app to start earning on everything in your spending and savings account. 5% is an annual rate that’s calculated daily and paid out monthly to maximize your earnings. Once you choose to opt in, you’ll start earning right away.
No you don’t need to worry about any additional fees. The Extra plan is $84 annual or $9/month with a 30 day free trial. No more, no less, and no hidden fees. But it’s worth keeping in mind that there is a daily maximum amount of $3000 on outbound e-Transfers. Take a peek at this article if you’d like more info.
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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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