With a KOHO membership you’ll be able to get access to many premium features. For more information on the features available for each plan, please see our plan breakdown here.
Want Essential for free? You can now enjoy our Essential plan on us when you complete everyday banking action like setting up a Direct Deposit or when you make a monthly contribution of $1000 to your account.
💰 Extra Cash Back 💰
You can get extra cash back on select spending categories depending on your plan:
Groceries - includes both small merchants and large chains
Eating & drinking - includes restaurants, food delivery, bars, coffee shops and more
Transportation - includes public transportation, Uber/ Lyft, taxis, gas, highway tolls, parking, and more
To earn more cash back, there is also Partner Deals Cash back.
🌎 No fees on foreign transactions 🌎
With an 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 Non-Member and Essential accounts have a 1.5% fee. Learn about your FX fees here.
💸 Earn More Interest 💸
You can earn up to 5% 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!
🚀 Real time e-Transfers 🚀
With your KOHO account, you can now send instant e-Transfers that’ll arrive in real-time – no more waiting.
🏦 Discount on Credit Building 🏦
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.
💳 A new look 💳
Request a new fancy KOHO card in-app if you signed up with an Extra or Everything Plan.
✈️ One free international ATM withdrawal per month ✈️
Get one free withdrawal at ATMs outside Canada each month with an Extra or Everything plan. International ATM fees are usually at least $2-3 a pop. Reach out to our support team for a reimbursement to your account!
🏋️ Higher Velocity Limits 🏋️
With KOHO paid plans, you’ll have access to higher velocity limits for ATMs, e-Transfers and more!
How do I sign up?
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!