I will never be without my Koho card.I had all three of my bank accounts emptied out 3 weeks ago and all I had usable was my Koho card I was super happy it still had money on it and once my money was returned I was able to transfer out of my bank account to Koho, it saved me major headaches, I had to wait 10 days for a new debit card by mail. Besides who has cash these days without a debit card you are basically hooped. Thank goodness for my KOHO CARDright!!!!!

As a member of Koho for over 2 years I recently was locked out of my account without explanation or questions asked that can justify any concerns , Koho customer service is garbage and very unsecured I spoke with Vino they had me send pictures of my ids via email then that wasn't enough according to Vino who still wouldn't tell me what this was all about he wanted a selfie now of me holding my ids By email once again , I questioned the procedure and mentioned that I didn't feel that was normal nor secure procedure but i ultimately just sent them , 4 days of trying to get answers ( 1 email reply per day ) Vino tells me R&C ultimately decided to keep the account closed i had 24h to use all remaining funds ... no explanation nothing , First id like to mention if anyone is getting there payroll deposits or government deposits via koho IMMEDIATELY FIND ANOTHER SOLUTION as you may be a victim of there foul practices and be locked out of your account for days if not weeks while these stoners they call customer service agents play with u asking for selfies , I would defiantly stay away from koho BEWARE CONSUMERS THIS IS A VERY SHADY FINANCIAL INSTITUTION COMING FROM A 2 YEAR PLUS MEMBER AND LOCAL GOOGLE GUIDE !!! PS MY MONEY AND BUSINESS WAS GOOD FOR THEM WHEN I WAS PAYING A PREMIUM OPTION JUST CANCELED IT RECENTLY HOW VERY CONVENIENT AND SHADY ONCE AGAIN !!!

Being with KOHO over a year now, I’ve always gave them praises even though things weren’t perfect. A lot of features and most are free. After waiting for about 2 months for a new card because the one I had gave trouble sometimes went out to eat and since most of my card are apply pay the restaurant didn’t have tap so I had to use my Koho card that declined 3 times are having friends pay for me I called. Only to find out that the card I had was deactivated without me getting a new card. The person I spoke with offered no help except to tell me that the pin and the card wasn’t synced after the fact. This is not the first time the card has left me somewhat stranded and if the customer service is gonna be this bad might as well pay the fees for a normal bank card you definitely wouldn’t have the same problems.

I could not start to explain the "why/what/when" without having to write down a university thesis but in short :1. Most of the customer care and support department do not even try to figure out and help you with issues. They always try to find an exit door so at the end, you are running after your money.2. If you have issues after you paid something, they will try to sneak out and tell you to visit the website or to wait few days and call back ... and if you do that, you restart the same process.3. You are talk in a disrespectfull or unprofessionnal way, forget talking to an helpfull manager.4. You get an unauthorized charge, they will tell you (politly) to get lost. They will NEVER help you. They will tell you to call this business even if you tell them, you don't know who it is.I could go on like this but I think you all get the drift. Koho is an untrustworthy low-level online service with a fake customer care and support.I will never say that a "normal" back is better but in a way, they are. They have more to loose, most of them have an ombudsman and/or a real complaint department. Koho on the other hand, they have a such high estime of themself that they do not have a transparent complaint process. I accept that perfection does not exist and I am able to understand that few bad staff members does not make the company but with Koho, it is a culture, a culture of "we don't care nor we value you as a customer". Of course, they will never say otherwise and admit it but in practice, they show it it without any doubt. If they would put the same effort in the customer care as they do as im the ads, they would be the best. Hope you people will not get into this "fake" bank! If you want a virtual bank, go with Tangerine. I don't say they are better but they are more professionnal than Koho and it is back by Bank of Scotia!I give Koho one star and it is because I can't give 0 star!BTW Koho support, don't even reply to me woth the copy/paste predefined reply of "we are sorry blablabla and we do care blablabla and call us to resolve it blablabla" because I tried hard to donthat but you are not serious and the way I see it now, I am not the only one to have experience it. It is just sad that I had not read the reviews before doing business with you people.