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Frequently Asked Questions

What is the Koho Card?

It’s a reloadable prepaid Visa card issued by Peoples Trust Company.

Where is the Koho Card accepted?

Everywhere Visa* is accepted.

Are you a financial institution?

Nope. We provide more detail around it here.

How do I put money on my Koho Card?

You can have your paycheque applied automatically via our direct load form or use an e-transfer. More load methods are being added soon.

What can I do with the Koho Card and app?

With your Koho card you can make purchases everywhere Visa is accepted, set up automatic/direct paycheque loads, transfer money, access and locate 8,500 fee-free ATMs, setup bill payments**, plus a bunch of new features like goals, spending insights, real time updates, and oh, so much more.

What Is direct/automatic paycheque load?

Direct paycheque load automatically routes your pay to your Koho Card and updates you with the balance in real time. You can have your entire paycheque loaded or a percentage of your income, whatever suits your life.

How are you different from Mint?

Mint is a tool for tracking spending and savings. We took that functionality and built it directly into the app. This means all the insights you get from tracking your spending are generated automatically. A one stop shop.

What if I need cash?

While cash is no longer king, we know it’s good to have. We use the Visa Plus network to give you access to more than 8,500 ATMs across Canada.

Does Koho have fees?

No asterisks or small print here. Koho tries to avoid as many customer fees as possible. Unfortunately certain things, like mailing a cheque, cost us money. While we aim to be the lowest cost option in Canada, you’ll always know if you’ve been charged a fee.

What do you do with my information?

Security is our first concern both as the users and developers of Koho. We never share or sell your personal information without your express consent.

When can I get my Koho Card?

We’re hard at work making sure Koho is everything it should be. Please check our emails for updates. Want to get access first? Share Koho with friends and family to jump up the waitlist.

So then, who does have my money?

Peoples Trust, a federal financial institution, issues the card and holds the funds for it.

Are you available in Quebéc?

Sorry, Koho is not yet available in Québec but we’re working on it.

What if I live outside Canada? Can I use Koho?

Koho is exclusive to Canada. One more reason to immigrate, I suppose.

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