Make the most of everything in your KOHO account
The Everything plan means getting all the bells and whistles when it comes to your KOHO account for $19 per month.
Earn 5% interest on your entire balance
Get 2% cash back on the spending that matters
Build your credit history for 50% less
Earn 5% interest on your entire balance
Get 2% cash back on the spending that matters
Build your credit history for 50% less
Choose Everything if you like the sound of:
2% cash back on groceries, eating & drinking, and transportation
0.5% cash back on all other purchases
5% interest on your entire balance, from your Spendable to your savings
Credit Building for $5 / month instead of $10
Unlimited real-time e-Transfers
No FX fees
Up to 5% extra cash back at selected merchants
Up to $100K of your money earning interest is protected by CDIC
Don’t just take our word for it
Great card. Easy to use. Very fast to load.
The programs they have to help you save and build your credit are super helpful! I Highly recommend KOHO!
I ADORE this app!!! Super user friendly and GREAT programs to help with rebuilding your credit
Great card. Easy to use. Very fast to load.
The programs they have to help you save and build your credit are super helpful! I Highly recommend KOHO!
I ADORE this app!!! Super user friendly and GREAT programs to help with rebuilding your credit
With every plan you can:
Shop securely online with a virtual card
Build your credit history with Credit Building
Save on the app with features like RoundUps, Savings Goals, and Vaults
Pick a plan and try it withno cost
All KOHO plans come with a free 30 day trial so you can see if it suits you.
Essential
Earn more on the essentials your wallet cares about.
Starting from*
$4 $0/month
- 1% cash back on groceries, transportation, food, and drink
- 5% interest on your entire balance
- Earn Essential for $0 when you set up Direct Deposit or load $1000 per month
Best deal
Extra
Earn extra on your spending and savings.
Starting from*
$9/month
- 1.5% cash back on groceries, transportation, food, and drink
- 5% interest on your entire balance
- 30% off Credit Building
- No foreign transaction fees
- Real-time e-Transfers
Most popular
Supercharge everything in your KOHO account.
Starting from*
$19/month
- 2% cash back on groceries, transportation, food, and drink
- 5% interest on your entire balance
- 50% off Credit Building
- No foreign transaction fees
- Real-time e-Transfers
Essential
Earn more on the essentials your wallet cares about.
Starting from*
$4 $0/month
- 1% cash back on groceries, transportation, food, and drink
- 5% interest on your entire balance
- Earn Essential for $0 when you set up Direct Deposit or load $1000 per month
Best deal
Extra
Earn extra on your spending and savings.
Starting from*
$9/month
- 1.5% cash back on groceries, transportation, food, and drink
- 5% interest on your entire balance
- 30% off Credit Building
- No foreign transaction fees
- Real-time e-Transfers
Most popular
Supercharge everything in your KOHO account.
Starting from*
$19/month
- 2% cash back on groceries, transportation, food, and drink
- 5% interest on your entire balance
- 50% off Credit Building
- No foreign transaction fees
- Real-time e-Transfers
Questions?
The Canada Deposit Insurance Corporation, or CDIC, is a Crown Corporation that provides deposit insurance to banks and financial institutions like KOHO. It insures Canadians' deposits, held up to C$100,000, in case of a bank failure. Once you opt-in to earn interest, you can rest assured your money is safe with us.
The Credit Building feature is available as an add-on across all plans — on the Everything plan you can sign up for an extra $5 instead of the usual $10. You simply take out a line of credit with KOHO and on time repayments build your credit history which can build your credit score.
Cash back on transportation includes things like your transit card top-up, train or bus ticket, gas purchases, Ubers or Lyfts, and more. It’s worth noting, a flight purchase doesn’t qualify as transportation as it’s typically categorized as travel.
You sure can. If you want to switch to another plan you can do it at the end of your next billing cycle in the app. You can find a bit more on this here.
Once you sign up for Everything you’ll need to opt in on the Interest page in-app to start earning on everything in your spending and savings account. 5% is an annual rate that’s calculated daily and paid out monthly to maximize your earnings. Once you choose to opt in, you’ll start earning right away.
No, you don’t need to worry about any additional fees. The Everything plan is $228 annual or $19/month with a 30 day free trial. No more, no less, and no hidden fees. But it’s worth keeping in mind that there is a daily maximum amount of $3000 on outbound e-Transfers. Take a peek at this article if you’d like more info.