Reviews of KOHO: Canada's Money App

By: KOHO Financial

List of user reviews and ratings for KOHO: Canada's Money App

Total ratings

4.79 (Rating count: 72,579)

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Review summary

KOHO is praised for helping build credit, a clean app with a premium feel (including a metal card), and real-time transaction visibility, plus generally responsive support. However, multiple reviews mention security/verification hurdles, funding delays, fraud concerns, and occasional account closures or fees. Overall sentiment is mixed: strong usability and credit-building benefits, tempered by security, funding, and support reliability issues.

Pros

Credit-building and improved credit score
Clean, intuitive, and user-friendly app
Premium metal card and modern banking experience
Real-time/near-instant transaction updates
Generally responsive customer support and savings potential

Cons

Security and login verification issues (2FA, codes not received, login loops)
Difficulties funding or adding money to the account
Fraud risk and unauthorized activity (identity theft / scams)
Occasional account closures or negative credit reporting
Inconsistent or mixed customer service experiences

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User Reviews

Recent rating average: 3.80

All time rating average: 4.79

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31% (152)

Date	Author	Comment
2026-05-24	Sh*****	I would give it less but I cannot. I refuse to use my Face to verify an account when I do not trust the Facial Scanning. I placed $300 into the app and now it will NOT allow me to put it back in my Bank Account without doxxing. It allowed me to make 3 purchases before it Stopped Working and Demanded I do the Facial Recognition. Absolutely abysmal. Give me my money back.
I would give it less but I cannot. I refuse to use my Face to verify an account when I do not trust the Facial Scanning. I placed $300 into the app and now it will NOT allow me to put it back in my Bank Account without doxxing. It allowed me to make 3 purchases before it Stopped Working and Demanded I do the Facial Recognition. Absolutely abysmal. Give me my money back.
2026-05-24	Da*****	never works when u need it to
never works when u need it to
2026-05-23	Le*****	I love it!
I love it!
2026-05-23	E *****	New app does not work on my android-- old app was fine!! so disappointing and such an inconvenience! Have a card but cannot access my account!
New app does not work on my android-- old app was fine!! so disappointing and such an inconvenience! Have a card but cannot access my account!
2026-05-23	Ro*****	I love this bank
I love this bank
2026-05-22	Ad*****	awesome 👍
awesome 👍
2026-05-21	Te*****	Koho is the best option for you to build and maintain a high credit score, it's a win win situation I started with no credit and now after a year my score is 687. try it you won't regret it also they have options for you to borrow like cover 250$ it's like overdraft and pay later you purchase up to 500$ and u can pay back in a sequence your choice of payment options. also have a credit building option you pay back monthly the list goes on check it out and try for yourself
Koho is the best option for you to build and maintain a high credit score, it's a win win situation I started with no credit and now after a year my score is 687. try it you won't regret it also they have options for you to borrow like cover 250$ it's like overdraft and pay later you purchase up to 500$ and u can pay back in a sequence your choice of payment options. also have a credit building option you pay back monthly the list goes on check it out and try for yourself
2026-05-20	Mi*****	koho is great and would recommend to anyone
koho is great and would recommend to anyone
2026-05-20	Ch*****	nice
nice
2026-05-19	Mi*****	So Beneficial and convenient, just needs a store front or ATMs for KOHO so we don't have fees all the time if we want to take out money.
So Beneficial and convenient, just needs a store front or ATMs for KOHO so we don't have fees all the time if we want to take out money.