Open Your KOHO Account Today - Easy, Secure, and Fee-Free

Choose a plan that works perfectly with your wallet. Earn cash back, interest on your entire balance, and build your credit history for less.

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Pick a plan and try it with no 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

Try Essential, free

  • 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

  • Free Credit Scores

Best deal

Extra

Earn extra on your spending and savings.

Starting from*

$9/month

Try Extra, free

  • 1.5% cash back on groceries, transportation, food, and drink

  • 5% interest on your entire balance

  • 30% off Credit Building

  • Free Credit Scores

  • No foreign transaction fees

  • Instant e-Transfers

Most popular

Logo Everything

Supercharge everything in your KOHO account.

Starting from*

$19/month

Try Everything, free

  • 2% cash back on groceries, transportation, food, and drink

  • 5% interest on your entire balance

  • 50% off Credit Building

  • Free Credit Scores

  • No foreign transaction fees

  • Instant e-Transfers

Essential

Earn more on the essentials your wallet cares about.

Starting from*

$4 $0/month

Try Essential, free

  • 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

  • Free Credit Scores

Best deal

Extra

Earn extra on your spending and savings.

Starting from*

$9/month

Try Extra, free

  • 1.5% cash back on groceries, transportation, food, and drink

  • 5% interest on your entire balance

  • 30% off Credit Building

  • Free Credit Scores

  • No foreign transaction fees

  • Instant e-Transfers

Most popular

Logo Everything

Supercharge everything in your KOHO account.

Starting from*

$19/month

Try Everything, free

  • 2% cash back on groceries, transportation, food, and drink

  • 5% interest on your entire balance

  • 50% off Credit Building

  • Free Credit Scores

  • No foreign transaction fees

  • Instant e-Transfers

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

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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.

Cards

Essential

$4   $0*

/mo

Extra

$9

/mo

$19

/mo

Virtual

Physical

Premium card

Cash back

Essential

$4   $0*

/mo

Extra

$9

/mo

$19

/mo

Groceries

1%

1.5%

2%

Transportation

1%

1.5%

2%

Eating & drinking

1%

1.5%

2%

All purchases

0%

0.25%

0.5%

Interest

Essential

$4   $0*

/mo

Extra

$9

/mo

$19

/mo

Amount

5%

on your entire balance

5%

on your entire balance

5%

on your entire balance

Credit Building

Essential

$4   $0*

/mo

Extra

$9

/mo

$19

/mo

Price

$10

$7

$5

Features

Essential

$4   $0*

/mo

Extra

$9

/mo

$19

/mo

Lock card in-app

RoundUps

Extra cash back with partners

No FX fees

1 free international ATM withdrawal / month

1 free credit score check / month

Get Essential

Which colour has your name on it?

With every subscription plan you can opt-in to get a physical Mastercard and choose a colour combo that has you written all over it.

Blueberried Caviar

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Signing up is simple

We’re talking 5 minutes, zero credit checks.

Get Started

Questions?

We sure do! KOHO offers a free joint account for $0 a month. You can sign up for our joint account online right here. Share finances and savings goals, get instant notifications when you or your partner spend from the account, and earn 0.5% cash back on groceries, and transportation.

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 Toronto. 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.

Our Essential plan is $4 a month, or $48 per year, and gives you 1% cash back on groceries, transportation, and eating & drinking. You'll also get 5% interest on your entire balance! You can also earn the Essential Account at no fee when you set up Direct Deposits or load $1000 per month! Our Extra plan costs $9 a month, or $84 a year, and gives you 1.5% cash back on groceries, transportation, eating & drinking and 0.25% cash back on everything else. You'll also get 5% interest on your entire balance. Our Everything plan is a $19 month, or $228 a year, and give you 2% cash back on groceries, transportation, eating & drinking and 0.5% on everything else. You'll also get 5% interest on your entire balance.