KOHO Financial
4.8 
Category: Finance
Price: Share
Age Rating: Everyone
Rating: 4.8
Available on: /
Updated on: Jun 26, 2026
KOHO makes budgeting a breeze with customizable categories and spending limits. You can easily set goals for your finances, monitor your progress, and adjust as needed, ensuring that you stay within your budget while still enjoying life.
Stay on top of your spending with real-time notifications. KOHO sends you alerts for every transaction, helping you track your expenses as they happen, so you can make informed financial decisions without the guesswork.
Enjoy a transparent banking experience with KOHO's commitment to no hidden fees. Unlike traditional banks, KOHO provides a straightforward approach to managing your money, so you can focus on what really matters—growing your savings and achieving your financial goals.
With KOHO, you can create specific savings goals that motivate you to save more effectively. Whether it's for a dream vacation or a new gadget, the app helps you visualize your progress and encourages smart saving habits, making your financial aspirations more attainable.
Manage your finances effortlessly with real-time spending notifications. Enjoy seamless budgeting tools that help track your expenses. Access a high-interest savings account to grow your money faster. Use the prepaid Visa card for secure and easy purchases everywhere. Benefit from no hidden fees, ensuring transparency in your spending. 
Limited customer service options can lead to frustrating experiences. Monthly fees can add up for some users. No physical bank branches may inconvenience those needing in-person support. KOHO: Canada's Money App is designed to cater to a wide array of financial needs for Canadians. Whether you are a student managing a tight budget, a young professional striving to save for future goals, or a family looking to keep track of expenses, KOHO provides a user-friendly platform to help you achieve your financial objectives. The app is particularly useful for everyday transactions, allowing users to make purchases seamlessly using their KOHO prepaid card. Additionally, the app's budgeting tools allow you to set financial goals and track your spending in real-time, making it ideal for those who want to take control of their finances. Users can also use KOHO to manage their savings by setting aside money for specific purposes, like vacations or emergency funds, making it a versatile tool for any financial scenario.
The user experience of KOHO is one of its standout features. The app is intuitively designed, making navigation simple and straightforward. Users can easily access their account information, view transactions, and analyze spending patterns. The sleek interface is complemented by colorful graphs and charts that visualize financial data, making it engaging and informative. Notifications about spending habits and budget limits are timely and helpful, ensuring that users remain aware of their financial health. Additionally, KOHO’s customer service is commendable, with responsive support available through chat features. The app also includes educational resources like articles and tips on personal finance, enhancing the overall user experience and empowering users to make informed financial decisions.
KOHO’s pricing structure is competitive and user-friendly. The app offers a free plan that provides essential features, such as unlimited transactions and basic spending insights. For users seeking more advanced tools, KOHO Premium is available at a monthly fee, which includes perks like higher interest rates on savings, personalized financial insights, and access to additional budgeting features. This tier allows users to maximize their financial management capabilities while still being affordable. Overall, KOHO’s pricing is designed to cater to a broad audience, ensuring that financial management tools are accessible to everyone, regardless of income level.
KOHO continuously improves its platform through regular updates that enhance functionality and user experience. Each update typically addresses user feedback, introducing new features that keep the app relevant in a rapidly evolving financial landscape. The support team is proactive in resolving issues, and users can easily access help through the in-app chat or via email. KOHO also maintains an active online community where users can share tips and experiences, fostering a sense of belonging and support. Overall, KOHO's commitment to updates and customer support solidifies its standing as a reliable financial management tool.
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App Store 
I have been using KOHO since 2017 and it never did me wrong. The app got easier and got more features as the years went by. Easy to spend money, control it and save it in the process. I reached out to the customer service a couple of years ago and the lady was super helpful. (Edit) However, they've recently cut some of the features that made koho so great, specifically the way you could save money basically pushing you towards the subscription standards, which is a real shame.
Easy to use app, fantastic customer support and super fast credit building! Not a fan of the new look.. Too bold and aggressive. As a long time client, witnessing all the changes over the years, I would prefer to have the freedom to choose the colour and style of my app, especially if the application will continue to see big alterations in regards to the layout. Will continue my business with Koho as they continue to provide excellent services.
I've been using Koho for over 2 years now. It has helped boost my credit score 200 points in this period. For daily banking, there are very interesting features, like no fee no minimum checking, competitive interest rates for savings accounts and unlimited e-transfers. Also, their credit building products are excellent, helps you to track your score, set usage limits to what you want to be reported and costs less than the rest of the products out there. Check out Cover too. U won't regret.
absolutely awful! I'm trying to close my account and because I don't have $1- i have .46 in my account, they can't close it. I can't transfer MY MONEY unless I transfer more. Absolutely ridiculous to deal with, customer service is no help what so ever with any issues. They may seem like a good choice, but i suggest using someone else. There's other banks that do the same thing, have better perks, and have better reviews and better customer service. Can't open a new account with new number either
Roundups USED to act as a sort of overdraft protection. I made use of this many times, I felt more confident knowing I had some savings it would pull out of if necessary when my spendable reached zero. Now it doesn't work that way, at this point you might as well combine round-ups with the vault as they're functionally the same. Unfortunately due to some recent changes made by the company regarding how certain services work, it is not as good as it used to be.
Review Source: Google Play store public user reviews.
Yes, users can submit suggestions or feedback through the app or by contacting KOHO's customer support team.
Yes, KOHO collects personal data to provide its services, but it follows strict privacy policies to protect user information.
KOHO requires an internet connection for most features, but some basic functionalities may be available offline.
You can cancel your subscription directly through the app settings or by contacting KOHO customer support for assistance.
The subscription cost for KOHO varies depending on the plan chosen, with options typically ranging from a low monthly fee for premium features.
Currently, you need to log in using your email and password. If you have trouble, reach out to customer service for support.
To activate your account, click the activation link in your welcome email and follow the prompts to complete the setup.
You can reach our customer service through the app's support section or by emailing support
Simply open the app and enter your email and password. If you have trouble, use the "Forgot Password" option for help.
You can update your customer information directly in the app under the settings menu or by contacting customer service for further assistance.
Improved platform stability and app performance.
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