Coming Soon


Earn when you spend and save, all in one place. Earn cash back on every purchase and 1.2% 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

Earn 1.2% interest on every penny in KOHO when you’re on 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 1.2% interest on your entire KOHO balance – your Spendable, RoundUps & Savings Goals.

We want to be clear that the 1.2% interest rate we are offering will not be an introductory rate, or a rate that expires. The same rate will be available to all users, new or existing. For transparency, it’s possible that the 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 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 1.2% 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.


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




The KOHO Visa* Prepaid card is issued by Peoples Trust Company pursuant to license by Visa Int. *Trademark of Visa Int., used under license. **These services are provided by Service Providers, including Visa, Peoples Trust Company and Galileo Processing. Learn more about your finances with Visa Practical Money Skills.