# KOHO Financial

> KOHO Financial knowledge base – help articles and documentation.

## Trending: Important News

- [Canadian Banking Holidays & KOHO](https://help.koho.ca/en_us/canadian-banking-holidays-and-koho-HyCthsqUl.md): Does KOHO process transactions on Canadian banking holidays  No on  Canadian public holidays  and Sundays KOHO pauses  direct deposits and certain other tr
- [When can I expect to receive my direct deposit?](https://help.koho.ca/en_us/when-can-i-expect-to-receive-my-direct-deposit-rkRY3oq8Wg.md): Avec KOHO vous êtes payé plus rapidement Nous traitons les paiements dès que nous les recevons généralement la veille du jour de paie Si quelque chose surv
- [When can I expect to receive my Government Benefit direct deposit?](https://help.koho.ca/en_us/when-can-i-expect-to-receive-my-government-benefit-direct-deposit-HyAocjqLbx.md): Government payments dont always show up in your KOHO account at the exact time you expect them Even if they usually arrive like clockwork  a delay of up to 2
- [Government Benefit Payment Dates (2026)](https://help.koho.ca/en_us/government-benefit-payment-dates-(2026)-BJnFniqUx.md): Here are the official Government of Canada payment dates for 2026 If you receive benefits like GSTHST CCB CPP OAS ODSP or provincial programs you can us
- [When will I receive my Canada Child Benefit (CCB) in 2026?](https://help.koho.ca/en_us/when-will-i-receive-my-canada-child-benefit-(ccb)-in-2026-SyaFnj9Ie.md): The CRA pays out CCB on the  20th of each month  unless that falls on a weekend or holiday in which case the deposit arrives on the previous business day    

## Refunds & Cancelled Purchases

- [My transaction was declined but I've still been charged](https://help.koho.ca/en_us/my-transaction-was-declined-but-i've-still-been-charged-HJt2s5IWg.md): If you attempted a transaction and it was declined by the merchant but is showing up on your KOHO transaction feed this is typically due to an issue with the m
- [I have a transaction that expired. What does that mean?](https://help.koho.ca/en_us/i-have-a-transaction-that-expired.-what-does-that-mean-HkSbhjqLe.md): 
- [When will I see a return or refund appear?](https://help.koho.ca/en_us/when-will-i-see-a-return-or-refund-appear-HJ8bnjc8Wl.md): Combien de temps dure généralement un remboursement     Une fois que le commerçant a confirmé quil a effectué un remboursement celuici apparaît généralement
- [Can I have a refund processed to a cancelled, locked, or expired card?](https://help.koho.ca/en_us/can-i-have-a-refund-processed-to-a-cancelled-locked-or-expired-card-BJdZ2iqLx.md): Cancelled Cards    Yes  A refund can be processed successfully to a cancelled card number  When a merchant issues a refund its sent as a merchant credit t
- [What does "pending" mean? Will I get this money back?](https://help.koho.ca/en_us/what-does-"pending"-mean-will-i-get-this-money-back-H1v2jc8We.md): 
- [Can you cancel a pending charge for me?](https://help.koho.ca/en_us/can-you-cancel-a-pending-charge-for-me-rJuW3s58bg.md): 
- [What are authorization credits?](https://help.koho.ca/en_us/what-are-authorization-credits-HJ8ssRihg.md): What are authorization credits

## Balance

- [Your New Account Balance View](https://help.koho.ca/en_us/your-new-account-balance-view-H1BejiqIbx.md): Were improving how you view your account balances      Soon youll see updated balance displays in your KOHO app that will make it easier to understand and 
- [Understanding Your KOHO Savings Tools and Rewards](https://help.koho.ca/en_us/understanding-your-koho-savings-tools-and-rewards-B1Eeij9UZl.md): With KOHO you can save and earn more just by using your account Tools like Goals RoundUps Vault Earn Interest and Cash Back work together to help you grow

## Cards

- [Your Card FAQs](https://help.koho.ca/en_us/your-card-faqs-r1Jiqs5IZl.md): Can I use KOHO for online purchases  Oh you bet you can KOHO works everywhere prepaid cards are accepted All you need to do is enter your card info  card n
- [Can I get a physical card?](https://help.koho.ca/en_us/can-i-get-a-physical-card-rkC9csqIZx.md): Thanks for joining KOHO we are psyched to have you     How do I optin for a physical card  To opt in for a physical card you can do so inapp Just tap My 
- [How does Auto-Lock work?](https://help.koho.ca/en_us/how-does-auto-lock-work-rJysuNAlfl.md): AutoLock lets you choose how many transactions your card can make before it locks automatically No manual step needed Its a simple way to stay in control of

## Cyber Protection

- [Cyber Protection](https://help.koho.ca/en_us/cyber-protection-ryPj3oqIWe.md): This feature is part of a limited release so it might not be available to everyone just yet       CyberScout powered by Walnut  is cyber protection that sup
- [How do I make a claim for Cyber Protection?](https://help.koho.ca/en_us/how-do-i-make-a-claim-for-cyber-protection-rkusho98Zl.md): 
- [What if I need to make changes to my personal information with CyberScout?](https://help.koho.ca/en_us/what-if-i-need-to-make-changes-to-my-personal-information-with-cyberscout-BkYonjcIbx.md): 
- [What if I’m already paying for Cyber Protection and then upgrade to an eligible Cover bundle plan?](https://help.koho.ca/en_us/what-if-im-already-paying-for-cyber-protection-and-then-upgrade-to-an-eligible-cover-bundle-plan-SJ2X1X9kzg.md): If youre already paying for Cyber Protection at the regular price and upgrade to an eligible Cover bundle plan 150 250 or 500 your monthly price will a

## Spend

- [What is the "tap limit" for my card?](https://help.koho.ca/en_us/what-is-the-"tap-limit"-for-my-card-rJhq5scLWx.md): 
- [Using ATMs with your KOHO card](https://help.koho.ca/en_us/using-atms-with-your-koho-card-BJi95scIx.md): You are able to withdraw cash from an ATM using your physical KOHO card     Look for ATMs on the Cirrus network as theyll support withdrawals using a Master

## Security

- [What is identity theft and what does KOHO do to protect me?](https://help.koho.ca/en_us/what-is-identity-theft-and-what-does-koho-do-to-protect-me-H1Mjco58Wg.md): Au Canada le vol didentité est défini comme lutilisation non autorisée de vos renseignements personnels par des tierces parties Il peut sagir de récupérer 
- [Phishing](https://help.koho.ca/en_us/phishing-SkZiqs5Ibg.md): 
- [Common Types of Financial Identity Theft](https://help.koho.ca/en_us/common-types-of-financial-identity-theft-S1fj5o9Ig.md): 
- [Are e-Transfers a safe way to exchange money?](https://help.koho.ca/en_us/are-e-transfers-a-safe-way-to-exchange-money-r1Vj9iqIg.md): In todays digital age sending and receiving money through etransfers has become quick and convenient But with this convenience comes the risk of fraud Here
- [Common Financial Scams and How to Avoid Them](https://help.koho.ca/en_us/common-financial-scams-and-how-to-avoid-them-B1mjqo9UZe.md): Chez KOHO la sécurité de vos finances est notre priorité absolue Nous comprenons que naviguer dans le monde financier peut parfois sembler difficile surtout 
- [How to recognize and report scams and fraud involving KOHO](https://help.koho.ca/en_us/how-to-recognize-and-report-scams-and-fraud-involving-koho-Hy_4HGH_e.md): Scammers use email text messages phone calls social media messaging apps online marketplaces and fake websites to try to steal money or personal informati

## Referrals 

- [How do KOHO referrals work?](https://help.koho.ca/en_us/how-do-koho-referrals-work-r1klisc8Zx.md): Vous voulez gagner des récompenses en invitant vos amis et votre famille à KOHO  Voici comment ça marche       Comment Parrainer Quelquun à KOHO     Trouve
- [How to claim your reward as a KOHO referee](https://help.koho.ca/en_us/how-to-claim-your-reward-as-a-koho-referee-S1Zlji5LWe.md): For people who were invited to KOHO and signed up with a referral link      1 Use the Referral Link    Make sure you sign up using the link your friend or fam
- [Why didn’t I get my KOHO referral reward?](https://help.koho.ca/en_us/why-didnt-i-get-my-koho-referral-reward-BJZxjoqLl.md): Sometimes referral rewards dont appear because one of the program requirements wasnt met Here are the most common reasons      1 The Referral Link Wasnt U
- [When will I receive my reward?](https://help.koho.ca/en_us/when-will-i-receive-my-reward-B1egjicUe.md): Le délai dépend du type de récompense auquel vous êtes admissible    Les récompenses de parrainage en argent pour les utilisateurs qui ont parrainé un ami sont
- [What referral reward do I get if I’m on a trial?](https://help.koho.ca/en_us/what-referral-reward-do-i-get-if-i'm-on-a-trial-B1pJoi5UZg.md): If you refer a friend while you are on a free trial of a paid plan Essential Extra or Everything your referral reward is 30 Thats the same reward as some
- [How do I view my referrals?](https://help.koho.ca/en_us/how-do-i-view-my-referrals-S1Dha0kCWg.md): Want to check how your referrals are doing Heres how    From your home screen tap the  icon to open  Rewards    Tap  Refer a friend  this opens the Refer

## Financial Coach 

- [How to Set and Hit Your Financial Goals](https://help.koho.ca/en_us/how-to-set-and-hit-your-financial-goals-r1Vboic8e.md): 
- [6 Ways to Cut Your Expenses](https://help.koho.ca/en_us/6-ways-to-cut-your-expenses-SJQos9UZg.md): 
- [Credit Reports - Where to Find Them, and What to Look for](https://help.koho.ca/en_us/credit-reports-where-to-find-them-and-what-to-look-for-HJfiiqLbl.md): 
- [What Caused My Credit Score to Drop?](https://help.koho.ca/en_us/what-caused-my-credit-score-to-drop-SyWWjj5UZl.md): 
- [A Guide to Canadian Services for Mental Health, Stress, and Financial Support](https://help.koho.ca/en_us/a-guide-to-canadian-services-for-mental-health-stress-and-financial-support-Skrbjo9UZg.md): At KOHO we care about your wellbeing We know that life can be challenging and sometimes you need a little extra support Thats why weve put together this 

## Joint Account 

- [What is a Joint account?](https://help.koho.ca/en_us/what-is-a-joint-account-HkWj3j58bx.md): Les comptes Conjoints KOHO facilitent le partage dargent avec une personne de confiance comme un partenaire un colocataire un frère ou une sœur ou un ami 
- [Thinking about a Joint account? Here’s why it helps](https://help.koho.ca/en_us/thinking-about-a-joint-account-here's-why-it-helps-H1rj2o58bx.md): Un compte Conjoint KOHO est un moyen simple de gérer largent partagé avec quelquun en qui vous avez confiance comme un partenaire un colocataire ou même vo
- [How to Open a Joint account](https://help.koho.ca/en_us/how-to-open-a-joint-account-SkGjnocUWg.md): Pour créer un compte Conjoint      Ouvrez lapplication KOHO    Allez dans  la Page Profile en haut à gauche  Changer de compte  Ouvrir un compte Conjoint
- [Your Joint cards: physical and virtual](https://help.koho.ca/en_us/your-joint-cards:-physical-and-virtual-HyjhsqIbg.md): When you and your partner open a Joint account youll both get a virtual card you can use right away Youll share one Spendable balance and you can request a
- [Joint vs Joint+ account: What’s the difference?](https://help.koho.ca/en_us/joint-vs-joint+-account:-what's-the-difference-B1Hi3i98x.md): Sharing money with someone A KOHO Joint account makes it simple to manage spending and saving together If one of you has the  Everything plan  on your persona
- [How to add money to your Joint account](https://help.koho.ca/en_us/how-to-add-money-to-your-joint-account-HkNo3o9Ibe.md): Une fois votre compte Conjoint configuré ajouter des fonds est facile et chacun de vous peut le faire Vous avez tous les deux un accès égal au compte ce qui
- [How to send money from your Joint account](https://help.koho.ca/en_us/how-to-send-money-from-your-joint-account-r1Qi3jc8l.md): Les comptes Conjoints KOHO permettent à deux personnes de gérer largent ensemble Vous pouvez tous les deux envoyer des virements Interac payer des factures e
- [Updates to Your Joint Account](https://help.koho.ca/en_us/updates-to-your-joint-account-rkUo2s98bg.md): À partir du 9 octobre nous mettons à jour la façon dont les récompenses fonctionnent pour les comptes Conjoints Votre compte Conjoint gagnera désormais des ré

## Manage Payment Methods

- [Which KOHO products are covered by the backup payment method?](https://help.koho.ca/en_us/which-koho-products-are-covered-by-the-backup-payment-method-Hk6u2o5Le.md): You can pay for KOHO products such as Cover Credit Building Tenant Insurance and KOHO Plans using your primary payment method KOHO Spendable or by adding a
- [Can I pay my outstanding Cover or Credit Building balances with this payment method?](https://help.koho.ca/en_us/can-i-pay-my-outstanding-cover-or-credit-building-balances-with-this-payment-method-BJtU2jqLWe.md): 

## Crypto

- [Getting Started with KOHO Crypto](https://help.koho.ca/en_us/getting-started-with-koho-crypto-SkUa3o5Lbe.md): KOHO has partnered with Ndax to bring cryptocurrency trading to your KOHO app You can buy and sell top marketcapitalization cryptocurrencies such as Bitcoin 
- [Buying, Selling, and Managing Crypto with KOHO](https://help.koho.ca/en_us/buying-selling-and-managing-crypto-with-koho-Hy78DVYDZl.md): You can buy sell and monitor crypto directly in the KOHO app          Crypto prices can be volatile KOHO and Ndax do not provide investment advice You dec
- [Depositing Crypto Assets into KOHO](https://help.koho.ca/en_us/depositing-crypto-assets-into-koho-HkeFmSuoZe.md): Note KOHO Crypto may not be available to everyone yet If you dont see the Crypto option in your KOHO app stay tunedwell share updates when it becomes avai
- [Transferring/Withdrawing Crypto, Taxes, and Account Closure](https://help.koho.ca/en_us/transferringwithdrawing-crypto-taxes-and-account-closure-SJBzwNFPg.md): Crypto Transfers        Can I transfer crypto into KOHO from another wallet or exchange     Not at this time KOHO Crypto currently operates as a closedloop p
- [Crypto Loss Limits: What They Mean and What You Can Do](https://help.koho.ca/en_us/crypto-loss-limits:-what-they-mean-and-what-you-can-do-HkOa2o5LWg.md): Crypto loss limits what they mean and what you can do    What is a crypto loss limit   A crypto loss limit is an  early warning alert  designed to help you st
- [What are the Terms & Conditions for the Crypto Match Event?](https://help.koho.ca/en_us/what-are-the-terms-conditions-for-the-crypto-match-event-H1hnJPW0Wx.md): During our Crypto Match Event transfer your BTC to KOHO powered by Ndax to get the 3 match For example 5000 in BTC would earn you a match of 150 CAD  Pl