• Earn 5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice
• No minimum account balance.
• Get access to a cash advance of up to $250 at 0% interest with Cover
• Grow your credit up to 22 points in 3 months with Credit Building for $5 / month instead of $10.
• Access all the features of a KOHO account such as Card Security, Goals, and RoundUps

Money-Back Rewards:

• Earn a minimum 0.5% cash back on all purchases and 2% on Eating & Drinking, Transportation, and Groceries. Plus, Up to 50% extra cash back at selected merchants

• Personal Income: NA
• Household Income: NA
• Credit Score: NA
• Canadian Resident
• Provincial Age of Majority

• Earn 3.5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance
• Get access to a cash advance of up to $250 at 0% interest with Cover
• Grow your credit up to 22 points in 3 months with Credit Building for $10 / month
• Earn a $20 cash bonus when you sign up for a KOHO account and make your first $20 purchase within 30 days of registration
• All KOHO plans come with a free 30 day trial so you can see if it suits you. Get this plan for $0 when you set up a recurring Direct Deposit

KOHO Money-Back Rewards:

• 1% cash back on on groceries, eating & drinking, and transportation Plus, up to 50% extra cashback from select merchants

• Personal Income: NA
• Household Income: NA
• Credit Score: NA
• Canadian Resident
• Provincial Age of Majority