koho.ca

# KOHO

> KOHO is a Canadian fintech company offering modern spending, saving, and credit solutions for individuals looking to better manage their money. From prepaid reloadable cards, high-interest savings, and cashback rewards to credit building tools, budgeting help, and financial education resources, KOHO empowers Canadians to take control of their finances through an easy-to-use app without the complexity or high fees of traditional banking.

KOHO’s all-in-one platform is designed to simplify everyday money management, improve credit health, and help users achieve their financial goals faster. Whether you’re building your credit score, sending money abroad, or saving for the future, KOHO provides intuitive, modern solutions to make your life and your finances easier.

## KOHO Main Pages
- [Homepage EN](https://www.koho.ca/): Explore all of KOHO’s financial products, features, and benefits.
- [Homepage FR](https://www.koho.ca/fr/): Accédez à la version française de KOHO et découvrez tous ses produits et avantages.

## KOHO Products – English
- [Instant Approval Virtual Card](https://www.koho.ca/instant-approval-virtual-card/): Get a secure virtual card with instant approval for online purchases and subscriptions.
- [Metal Card](https://www.koho.ca/metal-card/): Upgrade to a premium metal KOHO card for enhanced style and perks.
- [Save](https://www.koho.ca/save/): Earn up to 4% interest on your savings with KOHO’s high-interest saving options.
- [Cash Back](https://www.koho.ca/cash-back/): Earn up to 2% cash back on  groceries, transportation and dining–plus up to 6.5% extra at partner merchants.
- [International Money Transfer](https://www.koho.ca/international-money-transfer/): Send money abroad quickly and securely with some of the best exchange rates and no hidden markups or fees.
- [Cover](https://www.koho.ca/cover/): Access short-term cash advance up to $250 to cover unexpected expenses.
- [Line of Credit](https://www.koho.ca/line-of-credit/): Get flexible borrowing power with transparent repayment terms.
- [Pay Later](https://www.koho.ca/pay-later/): Split eligible purchases into installments without hidden interest charges.
- [Free Credit Score](https://www.koho.ca/free-credit-score/): Check your credit score for free directly from your KOHO account.
- [Credit Report](https://www.koho.ca/credit-report/): View and understand your credit report to improve your financial profile.
- [Credit Building](https://www.koho.ca/credit-building/): Build or improve your credit history through KOHO’s secure credit-building program.
- [Travel](https://www.koho.ca/travel/): Enjoy travel-friendly perks, including fee-free foreign transactions, free international eSIM and optional travel insurance.
- [Renters](https://www.koho.ca/renters/): Pay your rent with KOHO and unlock rent reporting to build your credit, cash back on rent and optional tenant insurance. 
- [New to Canada](https://www.koho.ca/new-to-canada/): Financial tools designed to help newcomers settle and thrive in Canada including credit building, high interest savings, international money transfers and more.
- [Payday Loans](https://www.koho.ca/payday-loans/): KOHO Cover, a responsible alternative to payday loans..

## KOHO Products – French
- [Carte virtuelle à approbation instantanée](https://www.koho.ca/fr/instant-approval-virtual-card/): Obtenez une carte virtuelle sécurisée avec approbation instantanée.
- [Carte Métal](https://www.koho.ca/fr/metal-card/): Passez à une carte KOHO en métal avec style et avantages premium.
- [Épargner](https://www.koho.ca/fr/save/): Gagnez jusqu'à 4 % d'intérêt sur votre épargne grâce aux options d'épargne à taux d'intérêt élevé de KOHO.

- [Remise en argents](https://www.koho.ca/fr/cash-back/):Obtenez jusqu'à 2 % de remise en argent sur vos achats alimentaires, vos transports et vos repas au restaurant, ainsi que jusqu'à 6,5 % supplémentaires chez les commerçants partenaires.
- [Transfert d’argent international](https://www.koho.ca/fr/international-money-transfer/): Send money abroad quickly and securely with some of the best exchange rates and no hidden markups or fees. 
- [Couverture](https://www.koho.ca/fr/cover/): Obtenez une avance de fonds à court terme pouvant aller jusqu'à 250 $ pour couvrir des dépenses imprévues.

- [Marge de crédit](https://www.koho.ca/fr/line-of-credit/): Obtenez un accès flexible au crédit avec des modalités transparentes.
- [Payer plus tard](https://www.koho.ca/fr/pay-later/): Échelonnez vos achats admissibles sans frais cachés.
- [Cote de crédit gratuite](https://www.koho.ca/fr/free-credit-score/): Consultez gratuitement votre cote de crédit depuis votre compte KOHO.
- [Rapport de crédit](https://www.koho.ca/fr/credit-report/): Consultez et comprenez votre rapport de crédit.
- [Renforcement de crédit](https://www.koho.ca/fr/credit-building/):Renforcez votre historique de crédit avec KOHO.
- [Voyage](https://www.koho.ca/fr/travel/): Profitez d'avantages pratiques pour vos voyages, notamment des transactions à l'étranger sans frais, une eSIM internationale gratuite et une assurance voyage en option.
- [Assurance locataire](https://www.koho.ca/fr/renters/): ​​Payez votre loyer avec KOHO et bénéficiez de la déclaration de loyer pour améliorer votre score de crédit, d'une remise en argent sur votre loyer et d'une assurance locataire facultative.

- [Nouveau au Canada](https://www.koho.ca/fr/new-to-canada/): Outils financiers conçus pour aider les nouveaux arrivants à s'installer et à prospérer au Canada, notamment la constitution d'un crédit, les comptes d'épargne à taux d'intérêt élevé, les transferts d'argent internationaux et plus encore.

- [Prêts sur salaire](https://www.koho.ca/fr/payday-loans/):  Couverture KOHO, une alternative responsable aux prêts sur salaire.


## KOHO Plans
- [Accounts EN](https://www.koho.ca/accounts/): Compare KOHO’s account plans and find the one that fits your lifestyle, including KOHO Essential our no-fee account, KOHO Extra our plus account and KOHO Everything our all-inclusive account
- [Accounts FR](https://www.koho.ca/fr/accounts/): Comparez les différents types de plans proposés par KOHO et trouvez celui qui correspond le mieux à votre style de vie, notamment KOHO Essentiel, notre compte sans frais, KOHO Extra, notre compte plus, et KOHO Complet, notre compte tout compris.


## About KOHO
- [About EN](https://www.koho.ca/about/): Learn more about KOHO’s mission, values, and customer commitment.
- [About FR](https://www.koho.ca/fr/about/): En savoir plus sur la mission, les valeurs et l’engagement de KOHO.
- [What is KOHO? EN](https://www.koho.ca/learn/what-is-koho/): A detailed introduction to KOHO and how it works.
- [What is KOHO? FR](https://www.koho.ca/fr/learn/what-is-koho/): Une présentation détaillée de KOHO et de son fonctionnement.

## KOHO Top Articles
- [How Many Credit Cards Should I Have?](https://www.koho.ca/learn/how-many-credit-cards-should-i-have/): Guidance on managing multiple credit cards responsibly.
- [How to Get Emergency Money](https://www.koho.ca/learn/how-to-get-emergency-money/): Tips for finding quick financial help in urgent situations.
- [First Credit Card](https://www.koho.ca/learn/first-credit-card/): How to choose and use your first credit card wisely.
- [What is a Cash Advance on a Credit Card?](https://www.koho.ca/learn/what-is-a-cash-advance-on-a-credit-card/): Learn how cash advances work and when to use them.
- [Do You Need Renters Insurance in Canada?](https://www.koho.ca/learn/do-you-need-renters-insurance-in-canada/): An overview of renters insurance and its benefits.
- [Apply for Credit Cards Online](https://www.koho.ca/learn/apply-for-credit-cards-online/): Steps for applying for a credit card over the internet.
- [Best Business Credit Card in Canada](https://www.koho.ca/learn/best-business-credit-card-in-canada/): Comparison of top business credit card options.
- [Best Savings Accounts for Kids](https://www.koho.ca/learn/best-savings-accounts-for-kids/): Options for helping children save and learn about money.
- [Paycheque to Paycheque](https://www.koho.ca/learn/paycheque-to-paycheque/): Strategies to break the cycle of living paycheque to paycheque.
- [How to Activate eSIM on iPhone](https://www.koho.ca/learn/how-to-activate-esim-on-iphone/): Step-by-step guide for eSIM activation.
- [Is Travel Insurance Worth It?](https://www.koho.ca/learn/is-travel-insurance-worth-it/): Pros and cons of purchasing travel insurance.
- [What is a Pre-Authorization Charge?](https://www.koho.ca/learn/what-is-a-pre-authorization-charge/): Understanding temporary holds on your account.
- [How to Set Up or Change Overdraft Protection](https://www.koho.ca/learn/how-do-i-set-up-or-change-overdraft-protection/): Adjusting overdraft settings to avoid declined transactions.
- [How Can I Get a Loan Without a Job?](https://www.koho.ca/learn/how-can-i-get-a-loan-without-a-job/): Exploring borrowing options without employment.
- [How to Open a Canadian Bank Account Online](https://www.koho.ca/learn/how-to-open-a-canadian-bank-account-online/): Guidance on opening an account remotely.
- [Loans Like iCash](https://www.koho.ca/learn/loans-like-icash/): Exploring alternative lenders similar to iCash.
- [Bree Loans Alternative](https://www.koho.ca/learn/bree-loans-alternative/): Comparing Bree Loans with other lending options.
- [Best Cash Advance Apps](https://www.koho.ca/learn/best-cash-advance-apps/): Overview of top apps for getting cash advances quickly.
- [Best Instant Approval Credit Cards](https://www.koho.ca/credit-cards/best-instant-approval-credit-cards/): A guide to credit cards with instant approval.
- [Is KOHO Debit or Credit?](https://www.koho.ca/learn/is-koho-debit-or-credit/): Understanding the nature of KOHO’s cards.
- [10 Reasons Why You Should Get a Prepaid Mastercard](https://www.koho.ca/learn/10-reasons-why-you-should-get-a-prepaid-mastercard/): Benefits of using a prepaid Mastercard.
- [Should Children Have a Debit Card?](https://www.koho.ca/learn/should-children-have-a-debit-card/): Weighing the pros and cons of giving kids a debit card.
- [What is a Virtual Card?](https://www.koho.ca/learn/what-is-a-virtual-card/): Benefits and uses of virtual cards for security and convenience.
- [Can I Get a Loan With No Credit Check?](https://www.koho.ca/learn/can-i-get-a-loan-with-no-credit-check/): Options for borrowing without a hard credit inquiry.
- [Apps That Let You Borrow Money](https://www.koho.ca/learn/apps-that-let-you-borrow-money/): Overview of popular lending apps.
- [How to Borrow Money With Bad Credit](https://www.koho.ca/learn/how-to-borrow-money-with-bad-credit/): Ways to secure financing despite a low credit score.

## KOHO Security & Privacy

- [Security](https://www.koho.ca/security/): KOHO employs bank-level security to protect customer accounts and personal information. Two-step verification, real-time transaction alerts, instant card-lock and 24/7 security monitoring are standard features. Customer savings are also eligible for CDIC protection and transactions are covered under Mastercard's Zero Liability Protection.