KOHO Essential

• Earn 1% cash back on on groceries, eating & drinking, and transportation Plus, up to 50% extra cashback from select merchants.
• Earn 2% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance.
• Get access to a cash advance of up to $250 at 0% interest with Cover.
• Grow your credit up to 22 points in 3 months with Credit Building for $10 / month.
• Earn a $20 cash bonus when you sign up for a KOHO account and make your first $20 purchase within 30 days of registration
• All KOHO plans come with a free 30-day trial so you can see if it suits you.
• $48 annually
• Get this plan for $0 when you set up a recurring Direct Deposit or deposit $1000 each month into your KOHO account.
• Choose from one of four exciting card colours. Receive both a physical and virtual card.
• Add your KOHO card to Apple, Samsung or Google Pay
• Automate your savings with Goals and RoundUps. Rounding up every purchase lets you stash away some savings, while Goals make it easier to save for whatever it is that makes you happy
• Lock in savings with Vault that keeps the funds you don’t want to spend separate from your spendable balance
• Only the users who successfully register a new KOHO account and make their first $20 purchase using their KOHO card within 30 days of registration are eligible for the offer and may claim the one-time $20 bonus in their KOHO account. This offer is non-transferable and may only be used once per person. Offer is not applicable in conjunction with other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.
• Refer a friend to KOHO and we’ll give you both $20 each! You can refer up to 50 friends, which means you can earn up to $1000 from our referral program.