# Can I get a higher Cover limit? > How do Cover limits work Important Our support team cannot manually adjust Cover limits Our automated system determines your eligible Cover limit ba Source: https://help.koho.ca/en_us/can-i-get-a-higher-cover-limit-Hkskso98Wx Last updated: 2026-08-11T14:07:18.937Z ****_Important:_**** _Our Support team cannot manually adjust Cover limits._ Your Cover eligibility is calculated automatically based on your account activity and history with KOHO. As you continue using your account and building positive activity, you may become eligible for higher limits over time. If you don’t see the option to unlock a higher amount in your ****Cover page,**** it means you’ve reached your current maximum eligible limit for now. There isn’t a request process, but you can review your personalized ****Suggested Actions**** to see personalized steps that may help strengthen your eligibility over time. These may include: * ****Receiving direct deposits into your KOHO account**** * ****Using your KOHO card for everyday spending**** * ****Paying bills through KOHO**** * ****Keeping your subscriptions (Cover, paid plan, Credit Building) active and in good standing**** * ****Consenting to a soft credit check**** * ****Income Verification**** Completing these actions can improve your eligibility profile, but increases aren’t guaranteed. If you qualify for a higher limit, it will automatically appear in the app, no action required from Support. * * * ## ******Why did a Suggested Action for Cover disappear or reset?****** Suggested Actions update automatically based on your recent account activity and status. When an action is completed, you’ll see a green check mark. If an action moves back to incomplete or the check mark disappears, it usually means something in your account activity or status has changed. Common reasons include: * ****No activity in the last 30 days (for example: no spending, no direct deposit, or no bill payments)**** * ****A subscription such as Credit Building or a paid plan was cancelled or is currently past due**** Some Suggested Actions are based on rolling 30-day activity, so they can reset if there isn’t recent activity. This is normal. Once you complete the action again, like receiving a new direct deposit or making a purchase, it’ll automatically update in your checklist with a green check mark. For spending transactions, you may see the green check mark appear after a few days, since the action only updates once the transaction has fully settled. * * * ## ******I completed all the Suggested Actions but didn’t get a higher limit. Why?****** Nice work on completing the Suggested Actions 👏 While these actions can help strengthen your eligibility profile, they don’t automatically guarantee a limit increase. Your Cover limit is determined by multiple factors, including overall account activity, consistency over time, and internal assessments. Even if all Suggested Actions are completed, you may still be at your current maximum eligible limit for now. A few important things to keep in mind: * ****Suggested Actions help improve your profile, but they’re not approvals or promises of an increase**** * ****Some eligibility signals require consistent activity over time, not just one-time completion**** * ****Limit reviews happen automatically, there’s no manual review or request process available**** If you qualify for a higher limit in the future, the option will automatically appear in your app. Support isn’t able to manually trigger reviews, push increases, or override eligibility decisions. Everything is calculated automatically within the system. ****The best approach?**** Keep using your account consistently and maintaining positive activity. If your eligible limit changes, you’ll automatically see the update in your app and receive a notification. * * * ## **What is income verification and how does it work?** Income verification is a Suggested Action that may help strengthen your Cover eligibility. If it’s available to you, you’ll be guided through a quick, secure flow where you: * Enter your employment and income details * Add your housing costs * Accept a disclosure * Connect your bank account through Flinks Once completed, you’ll see a green check mark ✅in your Suggested Actions. KOHO securely reviews up to 12 months (365 days) of your transaction history to better understand your cash flow and ability to repay. Your information is handled securely and used only to assess your eligibility. **To get the most accurate assessment, we recommend connecting the bank account where you receive your paycheque or your primary account for everyday spending,** so we can access the most relevant information to support your application. **💡 A few important things to keep in mind:** * Completing it can help improve your eligibility, but it doesn’t guarantee a higher Cover limit * This step can currently only be completed once and can’t be edited or redone, so make sure your information is accurate before submitting * KOHO was removed from the Flinks income verification flow because we already have access to your KOHO transaction data. If all of your income is deposited into your KOHO account and you don't receive income into another financial institution, you do not need to complete the income verification flow. * * * ## **Can I change my Cover limit?** Yes! You can upgrade or downgrade your Cover bundle anytime in the app. Just go to Cover, tap the settings icon (top right), and select **Change my Cover limit**. Your new limit takes effect right away, and you’ll get a new billing date. Changing your Cover bundle also updates your perks: * **Cyber Protection** * Upgrade → your discounted price starts right away * Downgrade or cancel → you keep the discounted price until your current billing cycle ends, then it goes back to the regular price * **Partner Cash Back** * This updates instantly based on your current Cover bundle plan * That means if you upgrade or downgrade, your cashback eligibility changes right away (no waiting until the end of the month) Upgrading can unlock more perks, while downgrading may remove some benefits depending on your new bundle.