I open this account for my daughter first so I can send her how much she needs and control her spending. But I was so satisfied with koho , with so many options for saving and all benefits what koho o... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I made the switch to Koho a few years ago when I was living overseas. The no foreign exchange option with the everything plan saved me a ton of cash and still allowed me to earn cash back on foreign... See more
Company replied
All good after a year of use. Cashback is a nice feature. Also the account is basically free if you have just one direct deposit a month. The virtual MasterCard and physical one all work basica... See more
Company replied
Koho goes above and beyond. I have never experienced delays in direct deposits, etransfers, bill paying or anything. They have a lovely suite of products that help build you credit and I use all... See more
Company replied
Company details
- Non-Bank Financial Service
- Alternative Financial Service
- Financial Consultant
- Financial Institution
- Money Transfer Service
Written by the company
KOHO is the simple, secure, and rewarding way to manage your money. We empower Canadians to improve their financial lives without the red tape and high fees found elsewhere. We provide easy-to-use tools for spending, saving and credit building all in one place.
Contact info
601 West Broadway, Suite 400, V5Z 4C2, Vancouver, Canada
- trustpilot@koho.ca
- www.koho.ca
GET AHEAD. STAY THERE.
4.5
Excellent
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 69% of negative reviews
Typically replies within 2 weeks
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
KOHO helped me rebuild my credit after…
KOHO helped me rebuild my credit after my divorce. Thanks KOHO
13 July 2026
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Easy to use but ain’t building my…
Easy to use but ain’t building my credit yet but not giving. Up hope
13 July 2026
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
KOHO was the first app I installed on…
KOHO was the first app I installed on my phone when I arrived in Canada in 2023. I have been using it happily since then. When I arrived in Canada, I was looking for a credit card to build my credit and was also hesitating to apply through a bank because of the interest issues, since I am a muslim.
I installed KOHO because I was able to use my own money to build my credit. I got my virtual card and started using it immediately. Very happy with the app so far. I usually don't write reviews, but only when I very, very much like a product or the opposite. Fortunately, KOHO was a nice experience.
6 May 2026
Reply from KOHO
Thank you for sharing your experience with us - we're so glad KOHO has been a good fit since you arrived in Canada!
It means a lot to know that our credit building features have worked well for you, and we truly appreciate you taking the time to leave a review. We look forward to continuing to support you on your financial journey!
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Es excelente
9 July 2026
Reply from KOHO
Merci beaucoup pour cet avis ! Nous apprécions vraiment vos commentaires.
Exhausted with Koho
This will be my 2nd review on what I think of Koho, at this point I'm in shock at how many times I have 1 after the other different staff consulting with me. Each 1 asked me for all my information that I've given 14 times to count now, when does this Nightmare end Koho. I just want my life back, I've jumped through every hoop you asked of me and keep getting error codes when I attempt to sign in. You say sorry each time and say you're here for me, I feel like a Monkey in a cage
11 July 2026
Unprompted review
Reply from KOHO
Thank you for sharing your experience with us.
We understand how frustrating this process has been, and we're sorry for the inconvenience. The identity verification step is part of our security requirements to protect your account and personal information.
We have escalated your case to a supervisor who will be reaching out to assist you further and help get this resolved as quickly as possible. Thank you.
When I started to closely look at the…
When I started to closely look at the fees and the amount of cashback, I realized the profit is actually very minimal.
7 July 2026
Reply from KOHO
Thank you for sharing your feedback with us. You can easily manage your plan and features in-app, giving you full control to customize what works best for your needs and budget.
Did you know you can unlock our Essential plan at no extra cost simply by setting up a direct deposit or loading $1,000 to your account? Essential includes enhanced cash back options, higher interest rates on your full balance, complimentary credit scores, and more. You can also explore our partner deals in the cash back section in-app for additional cash back offers. Thank you!
I love it
I love KOHO I pay bills get your money fast so easy to use I love it useing it I use it all the time
10 July 2026
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Koho is the best way to do any banking you need. Koho strive themselves on helping their customers.
I love this cyber banking with you. Every other bank I've dealt with over charges for transactions, never get cash back. Other banks take instead of give.
10 July 2026
Reply from KOHO
Thank you so much for the kind words! It's wonderful to hear that KOHO is making a real difference for you!
Thank you for easy banking
10 July 2026
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
6 ⭐️ ⭐️⭐️⭐️⭐️⭐️
I would give 6 stars if I could. KOHO is my favorite banking and I’ve been with all the big banks. KOHO allows you to use your own purchases to borrow money. So you never have to worry about something coming up unexpectedly. If you have a paycheck going into the account it comes a day earlier. Also gives you a cover amount in case you have a payment come out and no money in your account so you don’t end up with nsf fees. The best part about KOHO is that it helps build your credit.
9 July 2026
Reply from KOHO
Thank you for this amazing review! We're so glad our features are making a real difference in your day-to-day!
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
Was good until it became a scam
I keep getting charged monthly for the yearly Credit Building Subscription, yet for some reason, it shows up as ignore never paid for it!
9 July 2026
Reply from KOHO
Thank you for taking the time to share your feedback with us. A supervisor will email you directly to further assist you with this.
Everything KOHO has amazing benefits…
Everything KOHO has amazing benefits and helps extremely helps build credit
9 July 2026
Reply from KOHO
Thank you for the kind words! We're thrilled to hear you're enjoying the benefits and making progress on your credit journey.
Helped keep me out of massive holes in…
Helped keep me out of massive holes in trying to get out of and just stay afloat from. Credit building and such is great.
6 July 2026
Reply from KOHO
Thanks so much for the review! We really appreciate your feedback.
The Koho app is everything I expected…
The Koho app is everything I expected and more. I've been able to see where and how I'm spending. The cash back is amazing.
6 July 2026
Reply from KOHO
Thank you for the wonderful review! We're so happy the app is delivering exactly what you were looking for. Staying on top of your spending and earning cash back along the way is what it's all about!
Ive done everything for a hire credit…
Ive done everything for a hire credit limit but still nothing
9 July 2026
Reply from KOHO
Thank you for the review! If this is regarding your credit score, there are a lot of factors that impact it. While it can feel frustrating, consistency and time are your two best friends when working toward your goal.
If you'd like to dig into the details, our support team can connect you directly with a financial coach who can walk you through your specific situation.
If this is regarding a Cover limit increase, you can see the Cover amount you're currently eligible for in-app. If you're eligible and choose to increase your Cover limit, the new limit will take effect right away, and a new billing date will be assigned.
Reply from KOHO
Thank you for sharing your feedback with us. You can easily manage your plan and features in-app, giving you full control to customize what works best for your needs and budget.
Did you know that you enjoy all the benefits of our comprehensive Essential plan at no extra cost? Simply by setting up a direct deposit or loading $1000 to your account, you can unlock Essential! With the Essential plan, you gain access to enhanced cash back options, higher interest rates on your entire balance, complimentary credit scores, and much more.
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