Pick a plan and try it with no cost
KOHO plans start at $0 per month and come with a free 30 day trial so you can see if it suits you.
All subscription plans come with:
A virtual card and the option of a physical one
Up to 5% cash back
Interest on your entire balance, even your Spendable
Compare plans
No two plans are the same, and every one has a different set of features, so use the table below to find the one that suits you.
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
FAQS
Once you sign up for a subscription plan you’ll need to opt in on the Interest page in-app to start earning interest on everything in your spending and savings account. Depending on your plan, the interest is an annual rate that’s calculated daily and paid out monthly to maximize your earnings. You’ll start earning once you choose to opt in.
KOHO is a Canadian Fintech company that’s based in Vancouver. While it’s not a bank, KOHO offers spending accounts in Canada in Partnership with People’s Trust. KOHO has a mobile app and a prepaid Mastercard and is only available in Canada.
The short answer – yes! Since KOHO comes with a prepaid Mastercard, you can shop online with your KOHO card on any website or online store that accepts Mastercard.
Unlock our Essential plan at no cost when you set up Direct Deposit or when you deposit $1000 each month (spend it however you like—no minimum balance required).