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

Your money, managed your way

Our reloadable card works like a debit card but is accepted anywhere Visa is

Get balance updates after each purchase

Take control of your spending with category insights

See how you are tracking each day, week, month

Savings made easy

Stash away your spare change with RoundUps

Reach your goals faster with automated savings

Get access to free financial coaching

Earn 0.5% cashback with PowerUps

An account which truly has no hidden fees

Monthly account fees


NSF fees


e-Transfer fees


Interest charges


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 got questions?

Do you guys offer a credit card?

Are my funds CDIC secured?

What is the benefit of having a reloadable card?

Can I do all my core banking with you guys?

Join the 100,000 Canadians that use and love KOHO

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