I open this account for my daughter first so I can send her how much she needs and control her spending. But I was so satisfied with koho , with so many options for saving and all benefits what koho o... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I made the switch to Koho a few years ago when I was living overseas. The no foreign exchange option with the everything plan saved me a ton of cash and still allowed me to earn cash back on foreign... See more
Company replied
All good after a year of use. Cashback is a nice feature. Also the account is basically free if you have just one direct deposit a month. The virtual MasterCard and physical one all work basica... See more
Company replied
Koho goes above and beyond. I have never experienced delays in direct deposits, etransfers, bill paying or anything. They have a lovely suite of products that help build you credit and I use all... See more
Company replied
Company details
- #12 of 22 best companies in Non-Bank Financial Service
- #16 of 25 best companies in Alternative Financial Service
- #15 of 19 best companies in Financial Consultant
- #9 of 14 best companies in Financial Institution
- #3 of 9 best companies in Money Transfer Service
Written by the company
KOHO is the simple, secure, and rewarding way to manage your money. We empower Canadians to improve their financial lives without the red tape and high fees found elsewhere. We provide easy-to-use tools for spending, saving and credit building all in one place.
Contact info
601 West Broadway, Suite 400, V5Z 4C2, Vancouver, Canada
- trustpilot@koho.ca
- www.koho.ca
GET AHEAD. STAY THERE.
4.5
Excellent
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 70% of negative reviews
Typically replies within 2 weeks
How this company uses Trustpilot
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Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
I like koho
I like koho. it helped me build my credit. I wish we could use the card for online casinos. or othe purchases. such as purchasing tickets off of ticketmaster. It would be nice to be able to cash my cheque online as well. take a pic to deposit.
June 19, 2026
Reply from KOHO
Thank you for your feedback and for trusting KOHO to help build your credit. We're glad to have been part of your financial journey.
Your KOHO card can be used with any merchant that accepts prepaid Mastercard, including Ticketmaster. If you're experiencing issues with specific purchases, please reach out to our support team via the KOHO app/website (https://www.koho.ca/contact/) or via email at support@koho.ca.
Regarding mobile cheque deposits, we encourage you to submit this through our "Feature Requests" section in the app:
- Tap your profile icon in the app
- Click on Support > Feature Requests
- Search for your suggestion and give it an upvote if it's already there
We appreciate your feedback!
Love this card
I’ve been using this card for years. I enjoy the convenience of the card and that interest is not counted for the cover, it really helps get through in between paycheques.
June 19, 2026
Reply from KOHO
Thank you for the review! We're pleased to hear that our card has been helpful in managing your finances between paycheques.
I have been with koho for many years…
I have been with koho for many years now
Many benefits from helping fix your credit
Earning interest on every penny spent
Credit counseling
Overall experience 5 stars
June 18, 2026
Reply from KOHO
Thank you so much for being a loyal KOHO member for many years! We truly appreciate you taking the time to share your positive experience. It's wonderful to hear that our credit-building features, Earn Interest feature, and financial counselling services have been valuable to you!
Worst experience ever
Worst experience ever. Has fraudulent activity on my account . Wasn't able to speak to anyone real. Subsequently I tried to cancel my account to no avail. Useless and zero support.
June 19, 2026
Reply from KOHO
We sincerely apologize for this frustrating experience and take fraud concerns very seriously. We don't see any recent chat history open with our support team. If further support is needed, please reach out to us directly through the KOHO app/website at https://www.koho.ca/contact/ or email support@koho.ca so we can assist you immediately. Thank you.
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Reply from KOHO
Thank you for your wonderful review! We're thrilled to hear that KOHO is working smoothly for you and helping you save money and build credit!
Worst to Take money at a machine - no atms - always charged
Always get charged to take cash out. At least with my neo card, they refund me the money.
June 19, 2026
Reply from KOHO
Thank you for taking the time to share your feedback. We understand the frustration with ATM fees.
You can withdraw cash using your physical KOHO card at ATMs on the Cirrus network (which accept Mastercard). While KOHO doesn't own ATMs, most machines on this network charge around $2-3 as a standard out-of-network fee, which is set by the ATM operator.
For customers with our Extra or Everything plans, we offer one free international ATM withdrawal reimbursement per month!
I love Koho it’s a great way to save…
I love Koho it’s a great way to save money. I really like the pay later option as sometimes when you’re running a little short on cash it gives you enough to get by. So I will definitely keep using Koho for sure
June 19, 2026
Reply from KOHO
Thank you so much for your kind words! We're thrilled to hear that KOHO has been helpful for your savings and that the Pay Later option provides the flexibility you need!
Great banking entity
Great banking entity. Moved my main accounts here 3 years ago and I’d say on of the best decisions I’ve made yet
June 19, 2026
Reply from KOHO
Thank you so much for your wonderful feedback! We're honored that you chose to make KOHO your main banking solution three years ago!
honest, credit, interest
They are honest, they have credit building programs, they pay interest daily on funds left in, they are always expanding and innovating the experience. They are almost a bank and I treat them as such.
June 18, 2026
Reply from KOHO
Thank you for such a thoughtful review! We're delighted to hear that you value our credit building and earn interest features. Your trust in using KOHO as your primary financial solution means a lot to us.
Sometimes in life things happen…
Sometimes in life things happen and some of us tank our credit score. A friend told me about KOHO and that she used it to help her daughter build her credit, and she was able to manage how much money she was spending. I was intrigued and I was especially excited to learn that my name would be on it so I could use it in certain situations where I was not able to use my debit card. I’ve told many people about KOHO and how easy it is and how much my credit score has risen.
June 18, 2026
Reply from KOHO
Thank you so much for sharing your story and for recommending KOHO to others. We're thrilled to hear that we've been able to help you rebuild your credit and provide the financial flexibility you needed. It's wonderful to know you've seen real results with your credit score.
Reply from KOHO
Thank you for your feedback! We're glad to hear that KOHO has been helping you build your credit score!
Great app with updated info
Great app with updated info. Use kohofor most purchases. Pay latert great feature. Creditbldg easy to use . thanks for your great service.
June 18, 2026
Reply from KOHO
Thank you for your wonderful review! We're so pleased to hear that you're enjoying the app, Pay Later feature, and Credit Building feature!
Very happy with the service
Very happy with the service, would definitely prefer that it stay the hell away from crypto
June 15, 2026
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Koho is a great choice for a simple…
Koho is a great choice for a simple payable Mastercard or for everyday use.
With the options in plans and amazing interest savings and cash back percentages.
I highly recommend Koho to all my friends and family.
June 15, 2026
Reply from KOHO
Thank you so much for your wonderful review and for recommending KOHO to your friends and family! We're thrilled to hear that you're enjoying our plans, earn interest feature, and cash back benefits!
KOHO has been everything it has touted…
KOHO has been everything it has touted itself to be and then some!!
I am very glad and grateful to have this card and service to use.
Would I recommend KOHO to family and friends?? ABSOLUTELY!! Literally, one of THE BEST CARDS AND SERVICES I have ever used!!
Thank you so very very much KOHO!!
June 15, 2026
Reply from KOHO
Thank you so much for this incredibly enthusiastic review! We're thrilled to hear that KOHO has exceeded your expectations and that you're willing to recommend us to family and friends. Your support and kind words mean the world to us!
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
I don't understand the math on the top…
I don't understand the math on the top up. It seems like I have to pay the balance off twice. So I want to switch it back to the original setting
June 16, 2026
Reply from KOHO
Thanks so much for the review! If there is anything with your KOHO account that you need clarity on, our support team will be more than happy to help! You can always reach us via the KOHO app/website (https://www.koho.ca/contact/) or via email at support@koho.ca.
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