Your money stays yours. Even at the ATM
No ATM fees for KOHO cardholders
Keep more of your money
Always nearby
Convenient GTA & Hamilton spots
24/7 access at select locations
Cash when you need it
Secured transactions
Your money, protected
Go global
Free international withdrawal for Extra and Everything members¹
Find KOHO ATM locations near you
Go here to make your money go further.
Keep checking back for new locations near you
How it works
1. Find your nearest ATM
Locate your nearest KOHO ATM using our map above.
Pro Tip: Bookmark these locations on your phone and never pay ATM fees again.
How it works
2. Insert your card
Use your KOHO prepaid Mastercard at any of our 10 locations
How it works
3. Withdraw cash—Fee-free for KOHO cardholders
Get the cash you need, when you need it
Make your money work harder
While you’re saving on ATM fees, here is how 2M+ Canadians are progressing with KOHO
High interest savings
Earn up to 4% interest² automatically on every dollar you save. No minimums, no hoops.
Cash back
Earn up to 2% instant³ cash back on your everyday spending, with no credit card required.
International Money Transfer
Send money abroad with low fees and great exchange rates⁴.
No Foreign Transaction Fees
Travel with KOHO, save on foreign exchange fees and get peace of mind⁵.
Partner cash back
Earn extra cash back when you shop through our partner links.
Choose Your Plan
Open an account in just 2 minutes
The perfect plan for your needs | |||
|---|---|---|---|
Benefits | |||
| Unlimited cash back on groceries, transportation, food & drinks | 1% | 1.5% | 2% |
| Earn interest | 2.5% | 3% | 4% |
| Free Credit Score | |||
| Instant e-Transfers | |||
| No Foreign Transaction Fees | - | ||
| Discount on Credit Building | - | 30% | 50% |
| Advanced phone support | - | - |
¹ Get Essential for free! Learn more
² This is an estimate. Actual savings may vary depending on individual spending habits and service usage
FAQS
Yes, you can withdraw cash using your physical KOHO card at ATMs on the "Cirrus" network that support Mastercard. You'll typically pay $2-3 in out-of-network fees if you don’t use a KOHO ATM. Extra and Everything members get one International ATM withdrawal per month.
You can withdraw up to $1,510 from ATMs within any 24-hour period.
While you can't deposit cash into your KOHO account at an ATM, you can add cash at any Canada Post location. Simply open the KOHO app, go to the "$" section, tap "Add Money" then "Add Cash," and select "Find your nearest Canada Post location." Bring a government-issued photo ID and show the unique QR code from the app to the clerk to complete your cash deposit.
Yes, you can withdraw your Cover balance at ATMs just like your regular account balance. When you make an ATM withdrawal, the money is first taken from your Spendable balance, and if that's not enough, the remaining amount comes from your Cover balance.
KOHO doesn't support cash deposits at any ATMs, including those from other banks. For cash deposits, you'll need to use Canada Post locations instead.
KOHO cardholders get free withdrawals at all our ATMs, while the standard rate for others is $3 per transaction.
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1 No 1.5% FX fee if you are on Extra or Everything plan, currency conversion rate applies.
2 Actual Interest may vary depending on your KOHO Account plan. Interest Rate is subject to change without prior notice. Interest is per annum calculated daily but paid monthly. Terms and Conditions apply.
3 Cash back rates are subject to change at any time. For the most accurate and up-to-date information, please refer to the KOHO app.
4 The exchange rates and fees displayed in this comparison chart are for informational purposes only and are subject to change without notice. The rates and charges listed are based on publicly available information at the time of compilation and may not reflect real-time pricing, promotional offers, or other factors affecting the final cost of a transaction. We do not guarantee the accuracy, completeness, or reliability of the information provided, and users should verify current rates and fees directly with the respective financial institutions before making any transactions. Terms and conditions apply.
5 Foreign currency transactions will be subject to the Mastercard Currency Conversion rate. Additional foreign transaction fees may also apply.