Depending on what subscription plan you choose, you’ll earn up to 1.5% interest on your entire KOHO balance — your Spendables, RoundUps, Savings Goals, all of it. This is an annual rate, which will be calculated daily and paid out monthly to maximize your earnings. Plus, unlike other cards, you can access these earnings at any time!

With our Easy subscription (that’s our free plan) you’ll get an interest rate of 0.5% across your spending and savings account. With our Essential plan you’ll earn 1.5% interest and with our Premium you’ll get 1.2%.

With a no fee savings account, you can save and spend to your heart’s desire – without having to pay any fees. KOHO’s no fee spending account has a few additional benefits as well, such as 1% cash back on groceries, bills & services, savings tools, and more.

We sure don’t. With KOHO, you can send unlimited free Interac e-transfers!

Rounding up is a great way to save. You can choose the amount you’d like to round each purchase up to and we’ll set that amount aside for you in your KOHO app. Even better? You can cash out your RoundUps whenever you want!