Can I Use My KOHO Card Internationally?

Yes. Your KOHO card is a prepaid Mastercard®, which means you can use it almost anywhere in the world Mastercard is accepted—in stores, online, and at many ATMs.

You’ll pay in the local currency, and your transaction is converted from Canadian dollars at the Mastercard exchange rate, plus any applicable FX or ATM fees (depending on your plan and the machine you use).

Using KOHO Everything as Your Travel Card

With the KOHO Everything Account, you get:

• No foreign transaction fees on purchases abroad

• Free international ATM withdrawal (one per month)

• 3.5% interest on your entire balance (great for parking your travel fund before you go)

• 2% cash back on groceries, eating & drinking, and transportation, plus 0.5% on everything else

• Built-in travel perks like Travel Insurance and a free eSIM with up to 3GB of data so you can stay connected

Using Your KOHO Card Abroad: The Basics

Here’s how it works when you’re outside Canada:

• In-store & tap payments: Just tap or insert your KOHO card like you would at home. The terminal charges you in local currency; KOHO handles the conversion.

• Online purchases: Use your KOHO virtual card on international websites that accept Mastercard.

• Contactless & mobile wallets: If you’ve added KOHO to a mobile wallet (like Apple Pay or Google Pay), you can usually tap your phone/watch abroad wherever those are accepted.

What About ATM Withdrawals?

You can also use your KOHO card at many international ATMs to withdraw local cash:

• The machine will usually show you the amount in local currency

• Some ATMs offer to “convert to your home currency”—it’s often better to decline that and let Mastercard handle the conversion instead

• The ATM operator may charge their own machine fee, which is separate from anything KOHO charges

Tips for Using KOHO Internationally

A few quick best practices:

• Tell your travel companions you’re using a prepaid card so they know it’s not a credit card with infinite room

• Keep a small amount of backup cash for markets, small cafés, and places that don’t take cards

• Turn on notifications in the KOHO app so you can spot any odd transactions quickly

• Keep your KOHO card and a backup card in separate places in case one is lost or stolen