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Get instant approval for instant spending with a virtual card

No waiting, no credit checks, just a simple way to start spending in-store and online right away.

Get your card now
An online card that exists only on your phone
Works with Apple, Samsung, or Google Pay
No need to wait for a physical card
Use it for in-store and online shopping

What is a virtual card handy for?


Having your virtual card on your phone is the most secure way to keep your money safe while abroad.

Online Shopping

No need to scramble for your wallet when shopping online — access your card details easily in the app.

Keeping it Simple

Reduce your plastic waste and streamline how you manage your money.

In-a-pickle moments

Forgot your wallet? No worries. Adding your card to Apple, Samsung, or Google Pay will keep you covered.

How to get started

Find a KOHO Plan that’s the perfect fit for you


Add money to your shiny new account


Head to the cards section in the app to access your virtual card


Add it to your virtual wallet to start spending and earning cash back in-store and online


Canada post sign

Cash, meet convenience

Deposit your cash directly into your KOHO account at your nearest Canada Post location!

How to deposit cash

Location marker icon

Go to your closest Canada Post location. You can search for Canada Post locations here.

Plus icon

Show the clerk your QR code. Find your QR code easily in the KOHO app by selecting “Cash Load” on the “Add Money” screen.

Card icon

Show a valid government issued ID, such as your driver’s license or passport.

Dollar sign icon

Hand over the cash you want to deposit. Only CAD is accepted.

Receipt icon

Your cash will be deposited. You’ll be given a receipt of your deposit, and we'll let you know the moment that it hits your Spendable.


A virtual card is an online card that lives only on your phone. You can access the details through the cards section on the app, or you can add it to the virtual wallet on your phone, like Apple, Samsung, or Google pay. You can start using it once you sign up for KOHO and add money to your account.

KOHO works with only a virtual card, but if you decide to get a physical one too, you won’t need to wait for it to arrive in the mail to start spending.

You can use your virtual card anywhere Mastercard is accepted online, or when you add it to your Google, Apple, or Samsung Pay you can tap it in person anywhere that accepts contactless payments. The only thing you can’t do with your virtual card is withdraw money from an ATM (or hold it in your hand!), you’ll need to order a physical card through the cards section on the app if you want to do this.

It’s super simple — in the cards section on the KOHO app, under your virtual card, you’ll see a button to add it to your wallet. You’ll then be redirected to Google, Apple, or Samsung Pay where you’ll follow a few short steps to get it set up and ready for spending.

You can find more information on how to set it up on each device here.

You sure can. When you sign up for a KOHO account will automatically be issued with a virtual card and be given the option to order a physical one too. Both cards will draw from the same balance but they each have their own unique card number. You’ll see both card details in the cards section of the app.

Making sure your money and information is secure is our top priority. Your account is protected by Face ID, device biometrics, password, or passcode so your card details will be kept safe from prying eyes. You can also lock and unlock your card easily in the app if you think your details have gotten into the wrong hands.

If you opt to get a physical card, this will have a separate card number to your virtual card, adding an extra layer of security. If in the unlikely event one gets compromised and you lock it in the app, you can continue using the other card in the meantime.

You can learn more about KOHO’s security here.

If you need to get a credit card quickly, applying for an instant approval credit card is your best bet. Applying for these types of cards means you’ll get an immediate decision, once you meet the issuer's requirements.

To get an instant approval credit card, you'll typically need to complete an online application. The card issuer will then review your information, and usually gives an immediate decision.

Yes, it's possible to get a credit card in one day with an instant approval credit card, but it’s worth keeping in mind, while it might take just a matter of minutes, receiving the physical card will likely take a few business days.

While it might be a little harder, it's possible to get approved for a credit card with no credit history or a low credit score. Some card issuers offer cards designed specifically for those with limited or no credit history.


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The KOHO Mastercard® Prepaid card is issued by KOHO Financial Inc. pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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