With a paid subscription 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 subscription breakdown here.

💰 Extra cashback on groceries, bills/service, & eating/drinking 💰

  • Groceries - includes both small merchants and large chains

  • Bills & Services - includes phone, internet and even food delivery bills

  • Eating & drinking - includes restaurants, food delivery, bars, coffee shops and more

🌎 No fees on foreign transactions 🌎

With a KOHO Extra 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.

💸 Earn More Interest 💸

You can earn up to 2% interest, on your Spendable, RoundUps, Goals, and Vault. Interest rate is dependent on your subscription plan. That's right - you're earning interest on almost your entire KOHO account!

🏦 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 a KOHO Extra Plan.

🏋️ Higher Velocity Limits 🏋️

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

How do I sign up?

Open the KOHO app and tap the profile icon (top right), then tap Manage Plan. From there, select your preferred KOHO plan!

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

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