KOHO: Award-winning Money App

Make money progress with KOHO. Join 2 million Canadians who trust KOHO as the ultimate way to spend and save—no hidden fees, no fine print, no catch. With a prepaid Mastercard and innovative tools, KOHO lets you earn, spend, borrow, build credit, and budget—all in one app.

KOHO offers three plans—Essential, Extra, and Everything—to fit every budget and goal. Earn up to 2% cashback on everyday purchases, benefit from up to 3.5% high-interest savings, and use Credit Builder to grow your credit history. Sign up quickly, get a virtual card, and enjoy referral rewards and strong security, including zero-liability protection and Mastercard backing.