The best cashback card in town. KOHO Premium is here!
Get a KOHO Account

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Get A KOHO Premium Account

2% Cashback
No FX Fees
No Interest
No Gimmicks

Already a KOHO User?

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Learn more about KOHO premium here >

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
$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 got questions?

Do you guys offer a credit card?
KOHO offers a spending account with a reloadable prepaid Visa card. You need to put money into your account, making it more similar to a debit account than a traditional credit card. Yet unlike a debit card, you earn cashback on all your purchases and can use your card wherever Visa is accepted (such as online, or worldwide in-store).

You can get your paycheck deposited directly into your KOHO account, or periodically put money into your account. Since you can’t spend more than what’s in your account, KOHO helps you spend smarter, save more, and avoid credit card interest!
Are my funds CDIC secured?
KOHO itself is not directly CDIC insured. In the unlikely event that KOHO fails, your funds will be returned to you by Peoples Trust (our partnering bank who holds your funds).

Your KOHO card is also covered under Visa’s Zero Liability policy. This means that you're fully protected from unauthorized use of your card or account information.
What is the benefit of having a reloadable card?
Did you know that Canadians pay an average of $750 in credit card interest per year? With a reloadable card like KOHO, you can’t spend more money than you have in your account. This means you’ll never, ever owe us interest.

The KOHO app helps you manage your money by giving you real-time insights into your spend. There are also savings features that help you to stash away savings without realizing it.
Can I do all my core banking with you guys?
You can use KOHO to pay bills, send free e-Transfers, pay your credit card bill, shop online, get money from an ATM, fund your investment account, and more. There are very few features we don't have, so why bother paying pesky bank fees at another institution?

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.