All Collections
My Plan
KOHO Plan Features
KOHO Plan Features
Updated over a week ago

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.

💰 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!

Did this answer your question?