Coming this spring
Earn when you spend and save, all in one place. Earn cash back on every purchase and over 2% interest on the whole damn balance.
Get on our waitlist
Stay updated and get a chance to be a part of our early beta.
The full rundown on the features
Over 2% on every penny in KOHO when you’re on Direct Deposit
1.2% interest just for opting in without Direct Deposit
All the other features of a KOHO account
No extra fees, no minimum balance, no promotional rates
Your money is held in a federally regulated financial institution
Read our FAQ
Ready to turn your entire KOHO account into a high interest savings account?
You’ll earn 2%* on your entire KOHO balance – your Spendable, RoundUps & Savings Goals.
We want to be clear that this is not an introductory rate, or a rate that expires. It’s the rate that’s available to all users, new or existing.
For transparency, it’s possible that your interest rate could change if the rates made available by our Service Providers change. This could happen, for example, if the Bank of Canada announces an interest rate decrease or increase.
As a user of KOHO Save, we’ll open an account for you with IIROC regulated and CIPF-insured broker Canadian ShareOwner Investments Inc. (ShareOwner).
ShareOwner deposits your money for you in a trust account with one or more federally regulated, Schedule 1, big Canadian bank.
Once you sign up for KOHO Save, all the money in your KOHO account will earn interest and you can spend from it to make your purchases.
Your other account features (e.g. cashback and account fees for Premium) won’t change.
Nope. There are no account opening, account closing, moving money, or e-Transfer fees. There’s no minimum balance either.
Get KOHO
Not yet a KOHO user? Register for KOHO now.
Sign up for KOHO* Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice
All interest-bearing accounts are offered by Canadian ShareOwner Investments Inc.