KOHO: Award-winning Money App 4+

Cash back, spending & savings

Koho Financial

    • Free

iPhone Screenshots


Discover a smarter way to manage money with KOHO.

Join over 1 million Canadians who trust KOHO, the modern, full-service spending, and savings account with no hidden fees, instant cash back on your must-haves, and interest on your entire balance. Whatever your financial needs, the KOHO app is catered to you with a range of tailored plans. Say goodbye to the hassle of budgeting and enjoy a seamless, user-friendly experience with the reloadable prepaid Mastercard that helps you spend wisely and save effortlessly.

KOHO has curated three different plans to suit any sort of spending and saving, for ultimate flexibility and freedom with your money. Boost your cash back rewards, jumpstart your credit-building journey, or earn more interest with KOHO plans - Essential, Extra, and Everything.

KOHO’s awesome cash-back benefits mean you’ll be rewarded for everyday spending. Get up to 2% back on groceries, food, drink, and transportation and 0.5% cash back on all purchases.

With KOHO, you'll never have to worry about e-transfer, ATM withdrawal, or hidden charges. We’re here to save you money — no more worrying about hefty bank fees.

KOHO's Credit Building program helps you improve your credit history with minimal effort. Simply secure a line of credit, make timely repayments, and watch your credit history flourish, and say hello to a brighter financial future.

Maximize your earnings with a 5% HISA. Watch your money grow and master your savings goals. Reliable, steady growth designed to meet savings goals.

Sign up quickly and receive a virtual card instantly. Use the app to pay bills, send Interac e-transfers, create savings goals, and chat with the KOHO team for support or suggestions. No time like the present, right?

Share the love and earn $20 for each friend you refer to KOHO – they'll also get a $20 bonus to kickstart their financial journey!

Partnering with Mastercard means your money is held securely. Protect yourself further by locking your card in-app and enjoy our zero-liability policy for unauthorized use.

As featured in NASDAQ, Bloomberg, The Globe and Mail, CBC, Toronto Life, Yahoo Finance, and Financial Post.

KOHO is a fintech company, not a bank. We partner with a variety of banks to deliver an outstanding financial product.

*Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice. Try KOHO today and unlock your full financial potential!

601 West Broadway, Suite 400, Vancouver BC, V5Z 4C2

What’s New

Version 2.8.0

Limited-time offer: get $100 for every friend you refer to KOHO, & your friend will get 4 months of Everything for free!

Ratings and Reviews

4.8 out of 5
78.4K Ratings

78.4K Ratings

isaythisisit ,

Simply the best

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 CARD

Developer Response ,

Awesome to hear! Thanks so much for the review and for being part of KOHO :)

nickscio ,


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 !!!

Developer Response ,

Hey there! We're sorry to hear you had a negative experience with us. We truly appreciate your feedback. We hope that this issue has since been resolved and if that isn't the case please reach out for assistance in-app or by calling us at +1 855-564-6999

XderReDX ,

Will leave you stranded.

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.

Developer Response ,

Hey there! We're really sorry you didn't have a great experience paying with your KOHO card. That's not our goal at all. This may have been due to a disconnect in communication about how to set up + activate your card. We hope you will leave your email or reach out to us in-app so we can help you fix this situation- we're happy to help you out! We thank you for your patience :)

App Privacy

The developer, Koho Financial, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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