Canada's app for making money progress
KOHO gives Canadians the tools to make their money grow, and make life better, every single day.
Spend freely, breathe easy
Instant approval means you can start spending and earning up to 2% cash back as soon as you sign up.
Grab a coffee
One prepaid Mastercard, countless ways to enjoy your daily brew.
Fly away
Ready for takeoff? Use Pay Later in the app to book travel stress-free.
Give a gift
Earn more while you shop for yourself and others with your virtual card.
Go big with your savings goals
Up to 3.5% interest earned means more progress toward all your goals.
Borrow money from us
Expecting the unexpected just got easier.
Get a safety net when you need it.
Need a cash advance?
Borrow up to $500 for as little as $2/month with Cover. Get approved ASAP.
Open Account
Boost your credit
Better credit history could mean less debt and more opportunities.
Do the grown-up life stuff
eSIM, Travel Insurance and more.
Manage your life in one place.
The reviews speak for themselves
We’ve earned the trust of more than 2 million Canadians using KOHO—not to mention their praise.
More Features, More Flexibility
Live better
Look after more of what matters most. Like your home, which you can protect with Tenant Insurance.
More Features, More Flexibility
Move money
Send money, get money, move money. From expenses to everything else, follow every dollar in and out.
More Features, More Flexibility
Split the bill
Birthday lunch for 10? Split the bill in seconds. Easily send and receive money in the app, no napkin math needed.
Security comes first, today and always
When it comes to your money, account and data, they are safe, safe, safe. Learn more here.
Your money
We protect what you put in
Choose to Earn Interest with KOHO and your money is held in trust with one or more CDIC member institutions**, keeping it locked up tight.
Your account
We keep you safe from fraud
We take the necessary steps to protect your account.
Your data
We defend your personal details
We use 256-bit encryption, which is exactly what the banks use.
KOHO works for millions of people just like you
#1 rated Canadian financial app
4.8 App Store rating
