# Compare Plans

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Source: https://help.koho.ca/en_us/compare-plans-Byn0ojq8be

Last updated: 2026-08-11T14:05:45.905Z

A new and improved way to use KOHO's premium features with a paid plan. To upgrade your account:

1.  Open the KOHO app
2.  Tap **My Plan**
3.  Select between **Essential**, **Extra**, or **Everything**

* * *

## **Plan Pricing**

All plans come with a free 30-day trial. Paid plans are over $100/year in value for Essential, over $200/year for Extra, and over $500/year for Everything.

  

**Non-Member**  

**Essential**

**Extra**

**Everything**

**Monthly**

Free

$7/mo ($0 with a qualified action\*)

$18/mo

$22/mo

**Yearly**

Free

$0/mo¹

$12/mo ($144/yr)

$14.75/mo ($177/yr)

  

📣 Unlock our Essential plan at no cost when you set up Direct Deposit or when you deposit $1,000 each month (spend it however you like — no minimum balance required).

* * *

## **Feature Comparison**

### **Everyday**

  

**Non****\-****Member**

**Essential**

**Extra**

**Everything**

**Cash back on groceries, transportation, food & drinks**

0%

1%

1.5%

2%

**Cash back on everything else**

0%

0%

0.25%

0.5%

**Up to 6.5% extra cash back at select merchants**

—  

Yes

Yes

Yes

**Earn Interest (after opt-in)**

0.5%

2%

2.5%

3.5%

**Free real-time e-Transfers**

Yes

Yes

Yes

Yes

**Unlimited transactions**

Yes

Yes

Yes

Yes

**Savings Goals + Roundups**

Yes

Yes

Yes

Yes

**Spending Insights**

Yes

Yes

Yes

Yes

**Access to Virtual Card Library**

Yes

Yes

Yes

Yes

**Withdraw or deposit cash at any time**

Yes

Yes

Yes

Yes

**Cash back and interest applied to Joint account**

—  

—  

—

Yes

**Metal Card**

—

—  

—  

Yes

  

### **Credit Building**

  

**Non-Member** 

**Essential**

**Extra**

**Everything**

**Free Credit Score**

—  

Yes

Yes

Yes

**Discount on Credit Building**

None

None

30%

50%

**Free Credit Report**

—  

—  

—  

Yes

  

  

### **Travel**

  

**Non-Member**  

**Essential**  

**Extra**  

**Everything**  

**No foreign transaction fees**

—  

—  

Yes

Yes

**No international ATM fees**

—  

—  

1st free/month

1st free/month

**Access to international eSIM store**  

—  

Yes

Yes

Yes

**Free international eSIM**

—  

Access to eSIM only

1 GB free/month

3 GB free/month

**Access to Travel Insurance** 

—  

Yes

Yes

Yes

  

### **Other**

  

**Non-Member**  

**Essential**  

**Extra**  

**Everything**  

**Cash deposit fee**  

$3.00

Free

Free

Free

**Debit load fee**  

$3.00

$3.00

$3.00

Free

**Crypto trading fees**

0.5%

0.5%

0.5%

0.5%

**Priority support**

—  

Yes

Yes

Yes

**Advanced phone support**

—  

Yes

Yes

Yes

  

_\*__Pricing may vary. For the most up-to-date pricing for your plan, check the KOHO app or KOHO web._ 

_\*\*Just a heads up, KOHO plans are for Personal accounts. If you’re on the Everything plan and have a Joint account, you’ll also enjoy Joint+ benefits._

_\*\*\*Cash back is not earned on ATM withdrawals, e-Transfers, KOHO transfers, bill payments, pre-authorized debits, direct deposits, crypto assets, remittances, gambling or any other non-purchase transactions._

_\*\*\*\* Get Essential free by setting up Direct Deposit or depositing $1,000/month (no minimum balance required)._

_\*\*\*\*\*Transaction limits apply. Outbound Interac e-Transfers are subject to a daily maximum of $5,000. See our [account velocity limits](https://koho.kustomer.help/en_us/koho-verified-account-velocity-limits-SyBussqLg) for full details.  
_