International Money Transfer

Sending money across borders can be expensive and full of surprises. With KOHO, International Money Transfer is always fast and secure with no hidden markups or other-worldly fees.

Send money today

Send money to 190+ countries

The best exchange rates

No markups or hidden fees

Arrives within 30 minutes

Save on transfer fees

So what makes up a transfer fee? For many banks and providers, it’s the exchange rate, a markup (a hidden fee) and a service fee.

We’re different from others. We use the live exchange rate for every International Money Transfer–that’s the best rate around for most countries.

And we never add any hidden fees, so more money reaches your destination. What you see is always what you get.

If you send

$200.00

CAD

Our transfer fee

Total we'll convert

Live exchange rate

Arrives within 30 minutes

Send money today

Try our currency exchange calculator

How to send money abroad with KOHO

First step, log in to your KOHO account.

Tap send money and then send internationally,

Now tap send a transfer. Here you can choose an amount to send
and see how much your recipient gets.

Tap Continue and add info about your transfer.

Now review the details and tap Send Transfer.

And that's it, your transfer is on its way!

Pick a plan and try it 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 best way to send money online

Whether you're helping family back home, paying for services abroad, or sending money to friends–we've made it simple, affordable and fast.

Get one of the lowest exchange rates around for the Philippines, India, Pakistan, USA, Mexico and EU, and competitive rates for other countries¹.

We never add any hidden fees (like a markup) to the exchange rate, so our fees are usually lower than others. What you see is always what you get, so more money reaches your destination.

Speed matters. Get money to your people within 30 minutes². Set up transfers in a few taps and track them in real-time. Because when someone’s waiting, your money shouldn't take the scenic route.

Best exchange rates

Get one of the lowest exchange rates around for the Philippines, India, Pakistan, USA, Mexico and EU, and competitive rates for other countries¹.

No hidden fees

We never add any hidden fees (like a markup) to the exchange rate, so our fees are usually lower than others. What you see is always what you get, so more money reaches your destination.

Fast global transfers

Speed matters. Get money to your people within 30 minutes². Set up transfers in a few taps and track them in real-time. Because when someone’s waiting, your money shouldn't take the scenic route.

Our members say it best

Got questions about International Money Transfers?

Also known as a remittance means sending money from one country to another. With KOHO, you can send Canadian dollars to family, friends, or businesses in 190+ countries around the world, and they'll receive the money in their local currency.

It depends on where you're sending the money, but we’ve made it pretty snappy. Most transfers to popular countries like the Philippines, India, and Pakistan, arrive in minutes to a few hours. Other destinations usually take 1-2 business days.

We'll always show you the estimated arrival time before you transfer, so there are no surprises.

Sending with KOHO is the way to go. We offer some of the best exchange rates around, especially for popular destinations like the Philippines, India, Pakistan, USA, Mexico, and the EU.

Unlike banks and other providers, we don't add a hidden markup to the exchange rate. So what you see is actually what you get. Our transparent fees means you always know exactly what you're paying before you send the money.

Sending money with KOHO is super simple: 1. Sign up for a KOHO plan (if you haven't already) 2. Find “Send money” in your app and then "Send internationally" 3. Enter your recipient's details and how much you want to send 4. Review the exchange rate and our service fee 5. Confirm and send!

Your recipient gets notified when the money is on its way, and you can track the transfer right in your app.

For now, you can send up to $5,000 CAD daily, and up to $15,000 CAD monthly³.

For most countries you can send the money by direct deposit and they’ll receive it to their bank account. There are some more options available for some countries, which you’ll see when you set up the transfer.

The best way is the one that gives you the most value for your money with the least hassle. Unlike traditional banks that add a hidden markup to exchange rates and charge high service fees, we keep things transparent and affordable.

Our app makes the process quick and easy, with real-time tracking so you always know where your money is and when it’ll arrive. Plus, we’ve made the most popular destinations extra speedy, so your money arrives faster compared to many other providers.

We've kept it simple. For most transfers, you'll just need:

- A KOHO account

- Your recipient's full name as it appears on their ID

- Their bank account details

Maybe we’re biased, but we think KOHO is your best bet when sending remittances!

Here's why:

- A simple app where you can send money in a few taps

- Real-time tracking of your transfer

- Some of the best exchange rates in Canada

- No markup or hidden fees

- Fast delivery times

- 24/7 customer support right in the app