About KOHO
KOHO is a Toronto-founded Canadian financial technology company, offering a prepaid Visa spending account, savings tools, and optional credit-building products.
KOHO has grown into one of Canada's most widely used fintech apps, serving Canadians who want to budget, save, and earn cash back without a traditional bank account.
What KOHO offers
A no-fee prepaid Visa spending account, cash back on everyday purchases, interest-earning savings (higher with paid plans), Roundups automatic savings, and optional credit-building subscriptions.
Why people choose KOHO
- Real-time spending and budgeting insights in the app
- Cash back on debit purchases, with higher rates on paid plans
- Optional credit-building product that reports to a credit bureau
KOHO in Canada
Built for Canadians, with funds held in trust at Peoples Trust Company, a CDIC member, and no hard credit check required to open an account.
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