Canada's app for making money progress
KOHO gives Canadians the tools to make their money grow, and make life better, every single day.
Spend
Smarter
One Mastercard with up to 2% cash back on everyday spending.
Save
More
Grow your savings with up to 3.5% interest on your balance.
Build
Credit
Easy ways to help build your credit history.
Borrow
With Ease
Life happens. When you need extra cash, we’ve got you covered.
Manage
Your Life
From rent to travel–do it all here. Save more, stress less.
Pick a plan
that's right for you
All KOHO plans come with a free 30 day trial so you can see if it suits you.
The perfect plan for your needs | Essential Over $100/year in value**$0/mo* | Extra Over $200/year in value**$12/mo | Everything Over $500/year in value**$14.75/mo |
|---|---|---|---|
Benefits | |||
| Unlimited Cash Back on groceries, transportation, food & drinks | 1% | 1.5% | 2% |
| Earn interest | 2% | 2.5% | 3.5% |
| Free Credit Score | |||
| Crypto trading fees | 1% | 1% | 0.5% |
| Instant e-Transfers | |||
| No Foreign Transaction Fees | - | ||
| Discount on Credit Building | - | 30% | 50% |
| Phone support |
*Get Essential for free! Learn more
**This is an estimate. Actual savings may vary depending on individual spending habits and service usage
Not sure which one speaks to you? Take our quiz to find the best plan for you.
Find a planSpend freely, breathe easy
Instant approval means you can start spending and earning up to 2% cash back as soon as you sign up.
Go big with your savings goals
Up to 3.5% interest earned means more progress toward all your goals.
Borrow money from us
Expecting the unexpected just got easier.
Get a safety net when you need it.
Need a cash advance?
Borrow up to $250 for as little as $2/month with Cover. Get approved ASAP.
Open AccountBoost your credit
Better credit history could mean less debt and more opportunities.
Do the grown-up life stuff
eSIM, Travel Insurance and more.
Manage your life in one place.
The reviews speak for themselves
We’ve earned the trust of more than 2 million Canadians using KOHO—not to mention their praise.
Read our reviewsMore Features, More Flexibility
Live better
Look after more of what matters most. Like your home, which you can protect with Tenant Insurance.
More Features, More Flexibility
Move money
Send money, get money, move money. From expenses to everything else, follow every dollar in and out.
More Features, More Flexibility
Split the bill
Birthday lunch for 10? Split the bill in seconds. Easily send and receive money in the app, no napkin math needed.
Why people love KOHO
“When my car needed repairs, I used KOHO's Cash Advance to quickly get $200. The process was easy and stress-free.”
Sarah
KOHO member for 10 months
Why people love KOHO
“KOHO is the best, I use it for everything.”
Kim
KOHO member for 2 years
Security comes first, today and always
When it comes to your money, account and data, they are safe, safe, safe. Learn more here.
Your money
We protect what you put in
Choose to Earn Interest with KOHO and your money is held in trust with one or more CDIC member institutions**, keeping it locked up tight.
Your data
We defend your personal details
We use 256-bit encryption, which is exactly what the banks use.
KOHO works for millions of people just like you
#1 rated Canadian financial app
4.8 App Store rating