# Everything Plan

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Source: https://help.koho.ca/en_us/everything-plan-Hynii5UZx

Last updated: 2026-06-23T22:40:20.281Z

The Everything Plan gives you the most KOHO has to offer. It includes our highest interest and Cash Back rates, no foreign transaction fees, 50% off Credit Building, and more. If you want to grow your savings and earn more with every purchase, you're in the right place.

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## **What are the benefits of Everything?**

*   2% cash back on groceries, transportation, eating & drinking, and 0.5% cash back on all purchases
*   Earn 3.5% interest on your entire balance (once you opt-in!)
*   50% off Credit Building
*   No foreign transaction fees
*   1 free international ATM fee reimbursement per month
*   Send instant e-Transfers that’ll arrive in real-time – no more waiting
*   And [more](https://koho.kustomer.help/en_us/compare-plans-Byn0ojq8be)!

💡 Cash back applies to eligible purchases. Not all spend categories qualify.

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## **How do I sign up?**

Open the KOHO app and navigate to My Plan. From there, select your preferred KOHO plan!

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## **How does billing work?**

Everything can be billed monthly or annually. Your plan renews automatically, so it's worth knowing your billing date and plan type. You can find both on the **My Plan** page in the app.

💡 If you were surprised by a larger-than-expected charge, check **My Plan** to confirm whether you're on monthly or annual billing.

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## **How do I cancel Everything?**

Go to **My Plan** in the app, scroll down and select Manage my plan. From there you can cancel or downgrade. Your Everything benefits will continue until the end of your current billing period, and then your account moves to Non-Member (or a lower plan if you choose to downgrade instead).

💡 If you cancel mid-cycle, you won't be charged again, but you won't receive a prorated refund for the remainder of that period. For questions about refunds on annual plans, reach out to our support team through the KOHO mobile app or web app. [Take a peek at this article for more details on cancelling.](https://koho.kustomer.help/en_us/cancelling-a-plan-BkJ13j9LZx)

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## **Can I downgrade to Extra or Essential?**

Yes! From **My Plan**, you can switch to a lower plan. Changes take effect at the end of your current billing cycle. Need help switching plans? [Take a peek at this article on changing your plan.](https://koho.kustomer.help/en_us/changing-plans-ByxJhs98g)

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## **I got 3 free months through a referral. What happens when it ends?**

When your free trial ends, Everything automatically converts to a paid subscription at the regular monthly rate. You'll be billed on your plan renewal date. If you don't want to continue, make sure to cancel before your trial ends to avoid being charged.

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## **Do my Everything benefits apply to my joint account?**

If you're on the Everything plan, your Joint account becomes Joint+, which unlocks access to Cash Back and higher Interest. [Take a peek at this article to learn more.](https://koho.kustomer.help/en_us/joint-vs-joint+-account:-what's-the-difference-B1Hi3i98x)

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## **Are there any additional fees or limitations I should know about?**

No, you don’t need to worry about any additional fees.

It’s worth remembering that there is a daily maximum amount of $5000 on outbound e-Transfers. Take a peek at this article if you’d [like more information](https://koho.kustomer.help/en_us/koho-verified-account-velocity-limits-SyBussqLg).

_\*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._

_\*\*For details on the pricing of our paid plans, please check the KOHO mobile app._