Can I Use My KOHO Card Internationally?

Yes.

Your KOHO card is a prepaid Mastercard®, which means you can use it almost anywhere in the world Mastercard is accepted—in stores, online, and at many ATMs.

You’ll pay in the local currency, and your transaction is converted from Canadian dollars at the Mastercard exchange rate, plus any applicable FX or ATM fees (depending on your plan and the machine you use).

Using KOHO Everything as Your Travel Card

With the KOHO Everything Account, you get:

• No foreign transaction fees on purchases abroad

• Free international ATM withdrawal (one per month)

• 3.5% interest on your entire balance (great for parking your travel fund before you go)

• 2% cash back on groceries, eating & drinking, and transportation, plus 0.5% on everything else

• Built-in travel perks like Travel Insurance and a free eSIM with up to 3GB of data so you can stay connected

Where Can You Use Your KOHO Card Internationally?

Your KOHO card works anywhere prepaid Mastercard is accepted.

You can use it for:

• In-store purchases

• Online shopping

• Hotel reservations

• Car rentals

• Flight bookings

• ATM withdrawals

Some merchants may choose not to accept prepaid cards. This can happen with certain services or transactions.

Does KOHO Charge Foreign Transaction Fees?

It depends on your plan.

KOHO Essential charges a 1.5% foreign exchange fee on non-Canadian transactions when FX fees are not included with your plan. Extra and Everything plans do not charge foreign transaction fees.

For example, if you make a purchase in U.S. dollars, Mastercard converts the transaction into Canadian dollars. Any applicable KOHO foreign exchange fee is then added.

Should You Choose Credit or Debit Abroad?

Choose credit if a payment terminal asks whether your KOHO card is debit or credit.

KOHO is a prepaid Mastercard. Selecting credit allows the transaction to run through the Mastercard network. The same generally applies when using an ATM.

Can Hotels and Car Rentals Put a Hold on Your KOHO Card?

Yes.

Hotels, car rental companies and gas stations may place a pre-authorization hold on your card. This temporarily holds part of your available balance. It helps the merchant cover possible additional charges.

Make sure you have enough money loaded onto your account before using your card for these purchases.

Can You Access the KOHO App While Travelling?

Yes.

You can access the KOHO app internationally with an internet connection.

Is KOHO a Good Card for International Travel?

KOHO can be useful for international spending because it works anywhere prepaid Mastercard is accepted.

The Extra and Everything plans can be especially useful for travel because they do not charge foreign transaction fees.