KOHO: Earn up to 4.5% Interest | unitQ Score

Discover a smarter way to manage money with KOHO

Join over 1 million Canadians who trust KOHO, the modern, full-service spending and savings account with no hidden fees, instant cash back on your must-haves, and interest on your entire balance. Whatever your financial needs, the KOHO app is catered to you with a range of tailored plans. Say goodbye to the hassle of budgeting and enjoy a seamless, user-friendly experience with the reloadable prepaid Mastercard that helps you spend wisely and save effortlessly. 

PERSONALIZED PLANS FOR EVERYONE
KOHO has curated four different plans to suit any sort of spending and saving, for ultimate flexibility and freedom with your money. Boost your cash back rewards, jumpstart your credit building journey, or earn more interest with KOHO plans - Easy, Essential, Extra, and Everything.

EARN MORE, SPEND LESS
KOHO’s awesome cash back benefits mean you’ll be rewarded for everyday spending. Our standard Easy account offers 1% cash back on groceries, and transportation, and up to 5% back with our cash back partners. Or why not level up to the Everything plan and get 0.5% cash back on all purchases plus 2% back on groceries, food, drink, and transportation.

GOODBYE, UNNECESSARY FEES
With KOHO, you'll never have to worry about e-Transfer, ATM withdrawal, or hidden charges. We’re here to save you money — no more worrying about hefty bank fees.

BUILD YOUR CREDIT HISTORY
KOHO's Credit Building program helps you improve your credit history with minimal effort. Simply secure a line of credit, make timely repayments, and watch your credit history flourish and say hello to a brighter financial future.

EARN INTEREST ON EVERYTHING
Maximize your earnings with a 4.5% HISA. Watch your money grow and master your savings goals. Reliable, steady growth designed to meet savings goals.

START SPENDING IN MINUTES
Sign up quickly and receive a virtual card instantly. Use the app to pay bills, send Interac e-Transfers, create savings goals, and chat with the KOHO team for support or suggestions. No time like the present, right?

REFER & EARN
Share the love and earn $20 for each friend you refer to KOHO – they'll also get a $20 bonus to kickstart their financial journey!

PEACE OF MIND GUARANTEED
Partnering with Mastercard means your money is held securely. Protect yourself further by locking your card in-app and enjoy our Zero Liability policy for unauthorized use.

As featured in NASDAQ, Bloomberg, The Globe and Mail, CBC, Toronto Life, Yahoo Finance, and Financial Post.

KOHO is a fintech company, not a bank. We partner with a variety of banks to deliver an outstanding financial product.

*Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice. Try KOHO today and unlock your full financial potential!