KOHO

Important: Joint accounts are not yet available on all accounts. We’re gradually rolling them out and will notify you once they’re ready for you. Sharing money with someone? A KOHO Joint account makes it simple to manage spending and saving together. If one of you has the Everything plan on your personal KOHO account, your shared account becomes Joint+, unlocking extra rewards.

Joint vs Joint+ account: What’s the difference?

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Tool	How it works with Joint accounts	Joint	Joint+
🎯 Goals	Save together for anything: a vacation, a new couch, or a rainy day. Either of you can create, update, or delete goals. Money comes from your Joint Spendable balance. You can set a daily, weekly, or monthly savings schedule and move money back anytime.	Yes	Yes
🪙 RoundUps	RoundUps help you save automatically by rounding up purchases to the nearest $1, $2, $5, or $10. They only apply to purchases made with your Joint card. Each person can choose their own RoundUps setting in the app. The balance builds in your Joint RoundUps, and either of you can move it to Spendable or a Goal.	Yes	Yes
💰 Cash Back	If one of you has the Everything Plan, your Joint account earns rewards when you use your Joint card. You’ll see your rewards 3 to 5 business days after the purchase is fully processed. Either of you can move the cash back to your Joint Spendable balance anytime.	No cash back	2% unlimited Cash Back on groceries, transportation, food & drinks 0.5% unlimited Cash Back on everything else
🏦 Earn Interest	If either of you is enrolled in Earn Interest, your Joint account earns 0.5%. To unlock 3.5%, one of you needs the Everything Plan on a Personal account. As well, one of the account holders must be enrolled to Earn Interest. Interest on your Joint account is calculated separately from your Personal account. It applies to your Joint Spendable, RoundUps, and Goals balances, and is paid out monthly.	0.5%	3.5%
🔒 Vault	Vault isn’t available on Joint accounts yet. You’ll only see it on Personal accounts for now.	No	No