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KOHO Financial
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Reloadable Prepaid Mastercard®, Cash Back, Interest Earning, No Fees





KOHO Essential Mastercard® Prepaid Card/KOHO Essential
  • Earn 1% cash back on groceries, eating & drinking, and transportation
  • 2.5% interest on your entire balance*
  • Instant e-Transfers
  • Unlimited Transactions
  • Up to 5% extra cash back at selected merchants
  • Free Credit Score
Annual Fee: $48 ($4/month, billed yearly)

How to get Essential for $0?
- Set up a recurring direct deposit for your paycheque or government benefits
OR
- Deposit a total of $1,000 or more into your KOHO membership each month. (e-transfer or transfer from other accounts)



KOHO Extra Mastercard® Prepaid Card/KOHO Extra
  • Earn 1.5% cash back on groceries, eating & drinking, and transportation
  • 0.25% cash back on all other purchases
  • 3% interest on your entire balance*
  • Instant e-Transfers
  • Unlimited Transactions
  • No foreign transaction fees
  • Up to 5% extra cash back at selected merchants
  • Free Credit Score
  • Credit Building for just $7 / month
Annual Fee: $144 ($12/month, billed yearly)



KOHO Everything Mastercard® Prepaid Card/KOHO Everything
  • Earn 2% cash back on groceries, eating & drinking, and transportation
  • 0.5% cash back on all other purchases
  • 4% interest on your entire balance*
  • Instant e-Transfers
  • Unlimited Transactions
  • No foreign transaction fees
  • Up to 5% extra cash back at selected merchants
  • Free Credit Score
  • Credit Building for just $5 / month
Annual Fee: $177 ($14.75/month, billed yearly)



* Interest: To earn interest, users must be subscribed to a KOHO Earn Interest plan and opt in on the Interest page in-app to start earning on everything in your spending and savings account. Rates are annualized, calculated daily, and paid monthly.

* Rates Subject to Change: KOHO rates are subject to adjustment over time based on market conditions.


Refer a friend to KOHO and we’ll give you both $20 each! You can refer up to 50 friends, which means you can earn up to $1000 from our referral program.

Terms and Conditions
Refer to Koho.ca for up-to-date terms and conditions.
Legal and product terms are available on Koho.ca.
Initial Rewards: Earn up to 4% on your balance.
On Going Rewards 1st: Up to 5% extra cash back at selected merchants
On Going Rewards 2nd: 30 days of free trial for any KOHO plan
GCR Rebate: 35
GCR Rebate
$35 		Initial Rewards
Earn up to 4% 		Credit Needed
NA
Must activate your card and load funds into your KOHO account.
Must enter a valid mailing address to earn reward.