Banking is complex and robotic. We make it simple and human.

Plan and track

Preload your spending money to make budgeting easy

Get balance updates after each purchase

Use spending insights to stay on track

Get access to free financial coaching

Save and earn

Get up to 5% cashback at select merchants

Get 2% cashback on 3 categories with Premium

Stash away your spare change with RoundUps

Reach your goals faster with automated savings

Truly no hidden fees

Monthly account fees

$0.00

NSF fees

$0.00

e-Transfer fees

$0.00

Interest charges

$0.00

Your money is safe with us

Lock your card anytime in app

Friendly support at your fingertips

A separate virtual card for your online shopping

A federally regulated and CDIC insured bank holds your funds

Still have questions?

Do you offer a credit card?

Are my funds CDIC secured?

What's the benefit over a credit card?

Can I do all my core banking with you guys?

Join the 170,000 Canadians that use and love KOHO

Download the app to sign up for a free Personal or Joint account (or both!) in minutes.