You have questions?
We’ve got answers.
What is Koho?
Koho is a mobile hub for your money. After downloading the Koho app and signing up, you’ll get instant access to the app and your new Koho Card will be on its way.
Does Koho have fees?
No asterisks or small print here. Koho tries to avoid fees. Unfortunately certain things, like foreign transactions, cost us money. That said, we aim to be the lowest cost option in Canada and you’ll always know if you’ve been charged a fee.
How are you different from Mint?
Koho Card and App 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.
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 payment, plus a bunch of new features like goals, spending insights, real time updates, and oh, so much more.
Can I use my Koho card at restaurants, hotels, gas stations and for car rentals?
Since most car rental companies will not accept any pre-paid card we’d suggest that you used a different card when you make the authorization hold and then use your Koho card when you make the final payment.
What are the velocity limits on my Koho card?
Please see our Card Holders Agreement here for a full list of the velocity limits on your Koho card.
How long does it take for a refund or return to be processed?
Can I use my Koho card for online gambling?
Can I use my Koho card while travelling?
You sure can! We have a foreign transaction fee of 1.5%, which is lower than most credit cards (but we do not profit from this, or any fees). We’ve put together some tips on
Note, for your protection, there are some countries where Koho is blocked for use in. Reach out to us if you’re
How do I put money on my Koho Card?
You can have your paycheque applied automatically via our direct load form, use an e-transfer or link your existing bank account to send funds directly to Koho. You can also link your PayPal and Stripe accounts to Koho. To learn how to load your Koho Card, see here.
What is direct/automatic paycheque load?
How do I reset my PIN?
Give us a call at 1-855-KOHO-999, option 4, Monday to Friday between 9am-5pm PST and we’ll get this reset for you.
What happens if my card is lost or stolen?
What if I need cash?
When can I get my Koho Card?
How should I use Koho?
What do you do with my information?
Are you a financial institution?
Nope. We provide more detail around it here.
So then, who holds my money?
Peoples Trust, a federal institution, issues the card and holds the funds for it.
Are you available in Québec?
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.
Where can I learn more about what you're working on and share feedback?
Check out our public roadmap here! Feel free to vote on features you want to see and submit requests for features we aren’t working on yet.