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.