Earn 5% interest on your spending and savings account*

Earn 5% interest
Spend & save in one place

Earn 5% interest on your spending and savings account*

Earn 5% interest

Yes, you heard that right

With KOHO Everything, you can earn 5% interest on both your spending and savings account for 3 months, and 4% thereafter, plus 2% instant cash back on groceries, eating & drinking and transportation.
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 5% interest on your entire balance, depending on which plan you choose.
Free 30 day trial
Up to $100k of your funds are eligible for CDIC protection. In other words, your money is safe with us.
Spend & Save

What our users are saying


Depending on what plan you choose, you’ll earn up to 4% 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 Easy (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, with Extra you’ll get 2% and with Everything you'll get 4%.
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 and transportation, savings tools, and more.
We sure don’t. With KOHO, you can send unlimited free Interac® e-transfers! And you can set up Interac Autodeposit to receive e-Transfers faster too, so it’s a win, win!
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!
Our customer support team is ready to answer any of your questions 24/7 either through email or the chat functionality in the app. We’re always happy to help no matter how big or small your query, so don’t be shy!
All interest-bearing accounts are offered by Canadian ShareOwner Investments Inc.




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