Get Your Virtual Card: Instant Approval, Secure, Convenient

Name: KOHO Virtual Card
Brand: KOHO
Availability: InStock
Rating: 4.9 (88943 reviews)

No waiting, no credit checks. Start spending today.

Get your card now

Works with Apple, Samsung, or Google Pay

Use it in-store and online

No physical card needed

Up to 2% Cash Back on groceries, transportation, food & drink

Why choose a KOHO Virtual Card?

Guaranteed approval

Open an account and get your virtual card instantly—no credit check, no waiting on the mail.

Spend & save, today

Tap in-store or checkout online, get Cash Back, and earn up to 3.5% interest.

Boosted Cash Back

Earn up to 6.5% Cash Back on average at select merchants like Sephora, Expedia, Ticketmaster, Aesop, and more.

Personal & joint spending

Get a virtual card for your purchases, and a separate one for shared expenses on your Joint account.

Subscription-friendly

Move subscriptions and recurring payments to KOHO using your virtual card number.

Stay safe & in control

Lock or unlock your card instantly in the app, backed by top-tier security features.

What makes a virtual Mastercard handy?

Instant approval means spending, earning, and controlling your money as soon as you sign up.

Travelling

Keep your money safe abroad by keeping it close by with the virtual card on your phone.

Online Shopping

No need to scramble for your wallet—access your card details right in the app.

Keeping it simple

Phone in hand? Managing your money is a tap away in Apple, Samsung, or Google Pay.

Travelling

Keep your money safe abroad by keeping it close by with the virtual card on your phone.

Online Shopping

No need to scramble for your wallet—access your card details right in the app.

Keeping it simple

Phone in hand? Managing your money is a tap away in Apple, Samsung, or Google Pay.

Get started with our virtual prepaid card

STEP 1

Pick your plan

Get started with our virtual prepaid card

STEP 2

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

Get started with our virtual prepaid card

STEP 3

Add your virtual card to your mobile wallet to start spending

Match your money to your mood

Pick your favourite design from our virtual card library and make a statement with every tap.

Get Yours Now

How to put money on our virtual prepaid Mastercard

Take these quick and easy steps to deposit money or load cash into your account.

Direct Deposit

Set up Direct Deposit in the KOHO app or web portal and get paid faster*.

e-Transfer

Send money to your account via your unique KOHO email, setting up auto-deposit, or with the Interac® portal. Read how here.

Cash Deposit

Load cash straight into your account at your nearest Canada Post location by following these steps.

Debit Card Load

Top up your KOHO account in the app using a debit card.

Pick a Plan and Try Our Virtual Card With No Cost

All KOHO plans come with a free 30 day trial so you can see if it suits you.

The perfect plan for your needs	Essential $0/mo* Over $100/year in value** Get rewarded on everyday spending with Cash Back on the essentialsStart with Essential	Extra $12/mo Over $200/year in value** Get extra perks, extra cash back, and extra savingsSave now with Extra	Everything $14.75/mo Over $500/year in value** Get more than your money’s worth and earn the most rewards on KOHOEarn more with Everything
Benefits
Unlimited Cash Back on groceries, transportation, food & drinks	1%	1.5%	2%
Earn interest	2%	2.5%	3.5%
Free Credit Score
Crypto trading fees	0.5%	0.5%	0.5%
Instant e-Transfers
No Foreign Transaction Fees	-
Discount on Credit Building	-	30%	50%
Phone support

^{*Get Essential for free! Learn more
**This is an estimate. Actual savings may vary depending on individual spending habits and service usage}

Not sure which one speaks to you? Take our quiz to find the best plan for you.

Find a plan

The reviews speak for themselves

We’ve earned the trust of more than 2 million Canadians using KOHO—not to mention their praise.

4.8 App Store Rating

2.5M+ Happy Customers

#1 Rated Canadian Financial App

Read our reviews

FAQFrequently Asked Questions

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 prepaid 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.