KOHO has helped me to raise my credit score and to set aside a bit of money for times when I need it. Also an easy way for me to handle all of my streaming services and help to make me aware of what’s going out financially. Thanks KOHO
Charley
I use KOHO for my day to day banking, no fees deposits are always early from work & government! I will never go back to a regular big bank. I appreciate the ease of banking I now have! Highly recommend
Steph
Absolutely love the simplicity of using both the virtual application and a physical card. Helps keep my budget totally under my control.
James
KOHO basically has everything I need, plus some extra features that I love using. Credit Building, Rent Reporting, Cover, Cash back, Interest, Round Ups, are just some of the few features that I really love.
Stacey
Why do 1.5+ million customers love KOHO?
We give Canadians the tools to make their money grow, and make life better, every single day. KOHO members get up to 5% cash back, earn up to 4% interest, build credit, and easily borrow money.
Plus, you can get exclusive perks for day-to-day life stuff like rent and travel. Simply put, KOHO is one place for your money and your life.
See why Canadians love KOHO
The reviews are in. So are the awards.
We are thrilled that KOHO is recognized as an award-winning money app—but it’s even more satisfying knowing our customers are happy.
Is KOHO safe?
KOHO exists to make you feel confident about your money. That starts with us ensuring your money and personal information are locked up tight.
Here’s how we make security our top priority.
Your money
- Deposits are insured up to $100K with CDIC coverage
- Prepaid Mastercard protected under their Zero Liability Protection
- Top tier cybersecurity including firewalls, endpoint detection and response, and 24/7 security monitoring
Your account
- Your account is secured with Face ID, device biometrics, password, or passcode
- Two-step verification offers an extra security step to keep your account safe
- Lock your card immediately in-app if it’s lost or stolen
Your data
- The KOHO app and webpage are encrypted using TLS 1.2 or higher
- All personal data is stored within our databases with AES-256
Testimonials provided are a representation of individual experiences and are not intended to guarantee a similar outcome. These are unedited but for minor editorial changes for the sake of grammatical corrections and brevity. In some cases names may be changed to protect privacy.