Premium spending account

The no-brainer cash back account

It's time to step up your cash back game with Premium. Start getting 2% cash back for buying the daily essentials, like almond milk, your Thai takeout, and bus fare!
$9 monthly / $84 annual
Start 30 day free trial
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KOHO Premium Account

Earn 2% instant cash back on the 3 categories your wallet cares about

Get 0.5% cash back on everything else.

Enjoy 2% Cashback
KOHO Premium Account
Best spending account


Whether it's your local fruit vendor or the big supermarkets, you'll be earning 2% cash back on all of your grocery spend. Eat up!
KOHO Premium Account
KOHO Premium Prepaid Visa Card

Eating & drinking

Get 2% cash back on all your restaurant receipts. And yes, takeout and delivery count too. Bon appétit!
KOHO Premium Prepaid Mastercard


From your late-night Ubers, to your spend at gas stations and transit. Earn 2% on it all.
KOHO Premium Account


A new look

Get a snappy new vertical Premium card! Accepted everywhere Mastercard® is.

No FX fees

You know that 2-3% you’re usually charged when you spend outside of Canada? We’ve waived it!

Priority user support

No more waiting — skip the line whenever you need help from our agents.
KOHO Premium Mastercard

Financial coaching on demand

You've got questions, and our in-house financial coach has the answers. Just for you.

One free international ATM withdrawal per month

Get one free withdrawal at ATMs outside Canada each month. (International ATM fees are usually at least $2-3 a pop.)

What our users are saying

$9 monthly / $84 annual
Start 30 day free trial


The KOHO Premium card is a plastic card with its own cool design. A lush blue with a touch of diamond, you’ll feel a little luxe every time you tap it.
KOHO Premium gives you 2% cash back every time you spend money on groceries, food and drink, or transportation (in addition to 0.5% on everything else!).




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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