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Earn interest on your spending and savings account

Earn interest
Spend & save in one place

Earn interest on your spending and savings account

Earn interest

Yes, you heard that right

With a (free!) KOHO account, you can earn interest on both your spending and savings account, plus 1% instant cash back on groceries, bills & services.
KOHO Earn Interest App

Tell me everything

Earn interest on your entire account — from your savings to your spendables and everything in between.
Earn 0.5% to 2% interest on your entire balance, depending on which subscription plan you choose.
No fees, no minimum balances, no promotional rates — ever.
Up to $100k of your funds are eligible for CDIC protection. In other words, your money is safe with us.
Spend & Save

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Questions?

Depending on what subscription plan you choose, you’ll earn up to 2% 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 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!
All interest-bearing accounts are offered by Canadian ShareOwner Investments Inc.