Make every day payday with Instant Pay
Unlock part of your paycheque early so you can stay on top of your expenses.
Want your employer to offer Instant Pay?
Farewell to fees
A payroll benefit with noticeable benefits
Cash out 50% of your pay everyday to:
Get ahead of your bills
Find yourself some wiggle room in case of unexpected expenses or emergencies
Gain extra time to plan for and manage your wealth
Don’t just take our word for it
Take a look at what our very real users have to say.
“I am really enjoying this Instant Pay experience and it is super helpful!”
Jamie, Tim Hortons
“Just want to say that the whole KOHO experience has been really good and I think I will continue to use the Instant Pay service regularly.”
If you’re the first employee from your company to refer us, that isn’t already our partner, then you’re eligible to win $1,000. Please read here for more T&Cs.
KOHO is a no-fee spending and savings account that offers a smarter alternative to banking. Equipped with our mobile app and reloadable prepaid Visa card, you’ll be able to budget, save, and spend like a pro.
Instant Pay is completely free unless you transfer your withdrawn pay to a different bank account. In that case, there will be a $3.50 fee per transfer.
Nope, KOHO will never charge you interest because you’re cashing out the pay you’ve already earned.
Yes, yes, and yes. KOHO is partnered with Peoples Trust, a federally regulated bank that CDIC-insured bank holds any funds you load onto your KOHO account. In short, your money is very safe with us.
Yes! KOHO is offered in both English and French across Canada.