KOHO prepaid card, perfected

Get started easily with instant approval and no credit check required. KOHO offers a safe, rewarding, and budget-friendly way to spend.

Get yours now
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Sign up in 5 minutes
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No credit check, instant approval
Coin
Up to 2% cash back
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Safe & secure

Why choose the KOHO Prepaid Mastercard?

With the KOHO Prepaid Mastercard, you get the freedom to spend smarter and safer — all while enjoying exclusive perks.

No matter where you shop, it is your key to more rewarding spending.

Cash back +$1.10

All the cash back

Enjoy up to 2% cash back on daily essentials.

Shopping

Use it everywhere

Shop safely anywhere Mastercard is accepted
—online, in-store, and abroad.

KOHO app

Seamless app experience

Track your spending in real-time, set savings goals, and manage your budget—all in the KOHO app.

Magnifying glass

No hidden fees

Say goodbye to pesky surprise fees.

How can a prepaid Mastercard make your life easier?

Prepaid cards are a simple way to spend your own money without overspending. They’re safe and easy to use. They are a must-have for:

Shopping cart

Online Shopping

Shop securely online with peace of mind.

Credit card

Everyday Spending

From groceries to your gas, a prepaid
card keeps daily transactions simple and hassle-free.

Globe

Travelling

Perfect for trips near and far, and helps you stick to your budget while exploring.

Learn more
Wallet

Budgeting Made Easy

Stay in control of your finances by loading only what you plan to spend.

How to get the KOHO Mastercard

Say goodbye to surprises and hello to simple, transparent spending! It won't take more than 5 minutes to get there.

  1. Download the KOHO app
  2. Sign up for an account
  3. Pick the plan that works best for you
KOHO mastercard

Peace of mind, all the time

Your money’s safe with Mastercard Zero Liability—no need to stress about unauthorized purchases.

Lost your card? Not a problem! Lock or unlock it in the KOHO app instantly and stay worry-free.

What KOHO members are saying

Testimonial 1
My credit has been poor since I can remember. To my surprise my credit has improved from the 500's to the mid 600's in just 5 months! I finally feel like I'm on my way to a bright financial future. - Kristie
Testimonial 3
After years of bad financial dealing along came KOHO…now I am finally rebuilding my credit. Thank you for doing what others can but have not. Giving individuals like myself a second chance. - Rewertou
Testimonial 1
My credit has been poor since I can remember. To my surprise my credit has improved from the 500's to the mid 600's in just 5 months! I finally feel like I'm on my way to a bright financial future. - Kristie
Testimonial 3
After years of bad financial dealing along came KOHO…now I am finally rebuilding my credit. Thank you for doing what others can but have not. Giving individuals like myself a second chance. - Rewertou
Testimonial 1
My credit has been poor since I can remember. To my surprise my credit has improved from the 500's to the mid 600's in just 5 months! I finally feel like I'm on my way to a bright financial future. - Kristie
Testimonial 3
After years of bad financial dealing along came KOHO…now I am finally rebuilding my credit. Thank you for doing what others can but have not. Giving individuals like myself a second chance. - Rewertou
Testimonial 1
My credit has been poor since I can remember. To my surprise my credit has improved from the 500's to the mid 600's in just 5 months! I finally feel like I'm on my way to a bright financial future. - Kristie
Testimonial 3
After years of bad financial dealing along came KOHO…now I am finally rebuilding my credit. Thank you for doing what others can but have not. Giving individuals like myself a second chance. - Rewertou

Questions about prepaid cards? We've got answers

A prepaid card lets you spend only the funds you’ve loaded onto it. It’s not linked to a credit line, so there’s no risk of overspending. Just load money onto your card and use it anywhere the card network is accepted.
With a prepaid card, you get:
  • Control over your spending.
  • No interest charges or debt.
  • Cashback and/or rewards.
  • Safe and secure transactions.
  • Widely accepted worldwide.
Using a KOHO Mastercard is simple:
  • Tap, swipe, or insert your card at checkout, just like any other card.
  • Use it for online shopping by entering your card details.
  • Set it up for recurring payments like subscriptions or bills
You can load money in your KOHO in a few easy ways:
  • Interac e-Transfer®: Send money directly to your card account.
  • Debit card loading: Link your debit card and load funds any time.
  • Direct deposit: Have your paycheck sent straight to your card for faster access.
  • Cash deposit: Find your nearest Canada Post location and show your QR code.
Stay on top of your balance anytime through the app or online. It updates in real-time, so you’ll always know how much you have left to spend.
KOHO allows you to reload your card for free.
Absolutely! You can use your KOHO card anywhere prepaid Mastercards are accepted. You can also avoid foreign transaction fees on our Extra and Everything plans.

Still have questions?

Can't find the answer you're looking for? Please chat to our friendly team.Visit our FAQs

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