No asterisks or small print here. KOHO is a no-fee, everyday account + integrated app that gives you real-time insights into your spending. By using the app you can watch where your money goes and spend without guessing.

The Breakdown:

→ KOHO is free to join. It takes less than 5 minutes to sign up for after downloading it from the App Store or Google Play. All you need is a Canadian bank account to send your first e-Transfer from.

→ You’ll get real-time insights on all your transactions and can use your KOHO account to send free e-Transfers, set-up direct deposit, pay bills, and set Savings Goals!

→ Sign up within the KOHO app for iOS or Android. Your KOHO card will come within 10 days.