With a paid plan you’ll be able to get access to a number of premium features. For more information on what premium feature is available for each plan, please see our plan breakdown here.

With a KOHO Extra and Everything account, we'll cover the fees on transactions made outside Canada (or with foreign merchants). The big 5 banks usually charge a 2-3% fee, while our KOHO Easy and KOHO Essential accounts have a 1.5% fee. Learn about your FX fees here.

You can earn up to 4% interest, on your Spendable, RoundUps, Goals, and Vault. Interest rate is dependent on your KOHO plan. That's right - you're earning interest on almost your entire KOHO account!

With a KOHO Everything plan, you can now send instant e-Transfers that’ll arrive in real-time – no more waiting.

An affordable way to build your credit history with KOHO. Instead of paying $10 a month, you can get a discount monthly price under certain plans!

If you're already using Credit Building, you'll see the discounted monthly price on your payment. If you're a new or returning Credit Building user, you'll see the discounted price when you enrol.

Request a new fancy KOHO card in-app if you signed up with a KOHO Extra or Everything Plan.

With KOHO paid plans, you’ll have access to higher velocity limits for ATMs, e-Transfers and more! Check out your limits here.

Open the KOHO app and navigate to My Plan. From there, select your preferred KOHO plan!

*Just a heads up, KOHO plans are only available for Personal Accounts. In order to enjoy these benefits, be sure you're using your Personal card!