The account balance limit refers to the "total balance" (inclusive of Spendable, RoundUps, Goals, and Vault).

* KOHO Maximum Card Balance Limit for KOHO users who have opted into earn interest is $200,000. All other limits will continue to apply. If you choose to opt out of earning interest, limits pertaining to your specific product, either KOHO Regular or KOHO Premium, including KOHO Maximum Card Balance, will apply.

**Daily: Rolling 24 hour period. All transactions made within a 24 hour period will count toward your daily limit.

***Monthly: Rolling 30 day period. All transactions made within a 30 day period will count toward your monthly limit.

ATM and POS limits are not rolling limits and reset the next calendar day.

Account Balance Limits

**Daily Total Maximum Load Amount allowed

$20000

***Monthly Total Maximum Load Amount allowed

$40000

**Daily Maximum Number of Loads allowed

34

***Monthly Maximum Number of Loads allowed

120

Maximum Allowed Card Balance

$40000

Card Transaction Limits

Maximum Amount Per Transaction

$4000

***Monthly Total Maximum Load Amount allowed

$40000

Daily POS Limit

$4000

Daily ATM Limit

$600

ATM Transaction Limit (per withdrawal)

$300

ATM Count Withdrawal

5

Direct Deposits

Maximum Amount Per Transaction

$20000

Minimum Amount Per Transaction

NA

**Daily Total Maximum Load Amount allowed

$20000

***Monthly Total Maximum Load Amount allowed

$20000

**Daily Maximum Number of Transactions allowed

10

***Monthly Maximum Number of Transactions allowed

60

Inbound e-Transfers

Maximum Amount Per Transaction

$5000

**Daily Total Maximum Load Amount allowed

$5000

***Monthly Total Maximum Load Amount allowed

$20000

**Daily Maximum Number of Transactions allowed

10

***Monthly Maximum Number of Transactions allowed

60

3rd Party e-Transfers (from friends, family, business accounts to KOHO)

Maximum Amount Per Transaction

$999

**Daily Total Maximum Load Amount allowed

$999

***Monthly Total Maximum Load Amount allowed

$10000

**Daily Maximum Number of Transactions allowed

5

***Monthly Maximum Number of Transactions allowed

30

Outbound e-Transfers

**Daily Maximum Amount

$3000

**Daily Maximum Amount Per Transaction

$3000

KOHO-to-KOHO

K2K Transfer Limit - per transfer

$1500

K2K Transfer Inbound Limit - daily**

$2500

K2K Transfer Outbound Limit - daily**

$2000

K2K Transfer Number of Transfers Limit - daily**

10

K2K Transfer Limit - monthly***

$20000

K2K Transfer Number of Transfers Limit - monthly***

60

Pre-Authorized Debits

Number of PADs Per Month***

20

Pre-authorized debit limits vary by merchant, so please reach out to us in-app to verify the limit prior to setting one up.

Visa Debit

Maximum Amount Per Transaction

$1500

**Daily Total Maximum Load Amount allowed

$1500

For assistance in calculating the rolling periods, please reach out to us within our in-app chat.

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