An Everyday Spending Account that Actually Helps You Save. (No, Really!)

TRY FREE FOR 30 DAYS

How Does It Work?

Load funds to your KOHO account with an e-Transfer from your existing bank account. Then, just preload your budget and say goodbye to overspending!

Earn 2% Cashback

That's right. Get 2% instant cashback when you buy your groceries, transit (including gas and rideshares), and eating out. Get 0.5% on everything else.

KOHO works like a debit card, but is accepted everywhere Visa is.

No FX Fees

That's right. Get 2% instant cashback when you buy your groceries, transit (including gas and rideshares), and eating out. Get 0.5% on everything else.

No Interest

The freedom of a credit card, without going into debt. Say goodbye to interest charges. Forever.

Get a KOHO Premium Account

Download the app and create an account in minutes.