Full-service account.
No hidden fees.

Full-service account.
No hidden fees.

No Fee Account

Blueberried Caviar

Easy

$0/month

Get Easy
Cashback on all purchases

1% cash back on groceries, bills & services

Earn Interest

Earn 0.5% interest on your entire balance

Credit Building

Credit Building for $10/month

RoundUps Cashback

RoundUps

Card Lock in App

Lock your card in-app

Extra Cash Back

Extra cash back at selected merchants

Virtual Card

Virtual card

Frozen Cherry soda Card

Frozen Cherry Soda

Essential

$48 annual or $4/month

30 day free trial

Get Essential
Cashback on all purchases

1% cash back on groceries, bills & services, eating & drinking and 0.25% back on all other purchases

Earn Interest

Earn 1.5% interest on your entire balance

Credit Building

Credit Building for $7/month

RoundUps Cashback

RoundUps

Card Lock in App

Lock your card in-app

Extra Cash Back

Extra cash back at selected merchants

Virtual Card

Virtual card

KOHO Premium

Premium

Premium

$84 annual or $9/month

30 day free trial

Get Premium
Cashback on all purchases

2% cash back on groceries, transport, eating & drinking, and 0.5% cash back on all purchases

Earn Interest

Earn 1.2% interest on your entire balance

Credit Building

Credit Building for $7/month

KOHO - No fix fee account

No fx fees

KOHO account Login

1 free international withdrawal / month

RoundUps Cashback

RoundUps

Card Lock in App

Lock your card in-app

Extra Cash Back

Extra cash back at selected merchants

Virtual Card

Virtual card

Questions?

We sure do! KOHO offers a free joint account for $0 a month. You can sign up for our joint account online right here. Share finances and savings goals, get instant notifications when you or your partner spend from the account, and earn 1% cash back on groceries, bills & services.

Once you sign up for a subscription plan you’ll need to opt in on the Interest page in-app to start earning interest on everything in your spending and savings account. Depending on your plan, the interest is an annual rate that’s calculated daily and paid out monthly to maximize your earnings. You’ll start earning once you choose to opt in.

KOHO is a Canadian Fintech company that’s based in Toronto. While it’s not a bank, KOHO offers spending accounts in Canada in Partnership with People’s Trust. KOHO has a mobile app and a prepaid Mastercard and is only available in Canada.

The short answer – yes! Since KOHO comes with a prepaid Mastercard, you can shop online with your KOHO card on any website or online store that accepts Mastercard.

KOHO charges no hidden fees and our Easy subscription plan is completely free! Our Essential plan is $4 a month, or $48 per year, and gives you 1% cash back on groceries, bills & services, eating & drinking, as well as 0.25% interest on everything else. Then our Premium plan costs $9 a month, or $84 a year, and gives you 2% cash back on groceries, transport, eating & drinking, in addition to 0.5% cash back on everything else.

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The KOHO Mastercard® Prepaid card is issued by KOHO Financial Inc. pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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