Does KOHO Build Credit?

Short answer: KOHO can help build your credit, but not automatically.

Everyday spending on your prepaid KOHO Mastercard by itself usually doesn’t show up as a traditional credit account on your credit report.

To actually build or improve your credit history, you need to use KOHO Credit Building.

KOHO Essential Helps You Set Up for Better Credit

With KOHO Essential comes in:

• It has a low monthly plan fee that can be waived when you set up direct deposit or add +$1,000.

• Use a prepaid Mastercard® for groceries, bills, subscriptions, and travel.

• Grow your savings with a 2% interest savings rate on your entire balance.

• Earn 1% cash back on groceries, eating & drinking, and transportation.

• You can subscribe to Credit Building for $10/month, it's an affordable way to build your credit history.

• Enjoy unlimited transactions and free e-transfers (never worry about fees when sending money to someone again).

How KOHO Actually Helps Build Credit

1. Using KOHO’s Credit Building Tools

KOHO offers Credit Building as an add on. When you subscribe and stay on top of payments, that activity can help:

• Add positive payment history to your credit file

• Show that you can handle a recurring obligation on time

It’s designed for people who are new to credit and want a structured, predictable way to work on their score.

2. Good Money Habits Support Better Credit

Even beyond formal reporting, KOHO can indirectly help your credit by making it easier to:

• Avoid missed payments on other accounts (by budgeting better)

• Keep your high-interest credit usage lower, since you’re using your own funds for most purchases

• Separate everyday spending from “danger zones” like maxed-out credit cards

Better money habits = fewer late payments and less overuse of credit, which your score does see.

So… Does KOHO Build Credit?

• Spending on KOHO alone? Usually no, that doesn’t by itself create a traditional credit tradeline.

• Using KOHO with Credit Building? Yes—this is where KOHO can actively support your credit history.