KOHO Reviews 

Quick account and really does help with credit building and saving!

Koho has been helpful in restoring my credit score.

I had a few questions about my new account and they were answered in a easy way to understand.

I have referred many friends and family to ise Koho. Its easy to track your credit and build. It helped my daughter to build her credit when just starting out.

Koho has given me flexibility to be able to make credit card purchases while growing my credit and helping me manage my finances.

Friendly user experience.

Koho is kind to their clients they answer when person has quesrions and they have cover needs

It’s nice to have “credit card” function without going into debt. I really like that I get a notification on my phone anytime money comes out of my account as well.

The credit building /reporting does not match with actual credit ratings though, so don’t get your hopes up when it says you have good credit.

Quick responses, easy to use interface, always available, use daily for most of my activity.

If you are looking for a credit card for anything then KOHO is the card for you. You put as much money as you want on the card and I have not had a serious problem. The only bad experience was when I had purchased a product everything went through with 0 problems, but a few times the company that I purchased product from did charge me multiple times, but when I realized what was going on with my KOHO account I contacted KOHO through the app and explained what had happened and canceled the card and the KOHO app started the process of getting my funds back, which I can tell you was successful in returning the funds that were charged to my KOHO account. If you are looking for a you load credit card then KOHO is the card for you.

i disputed a transaction that i did not allow nor have any idea about and koho refuses to renburse me for it when i first complained about it the transaction was still pending and could have had time to cancel the money that was used and give it back to me. plus me not being able to change my email for autodepoist!

Everything, from the app to the client service the experience has been flawless. Congratulations guys on a 5 star review. Keep up the good work.

I am absolutely appalled by how KOHO handles its customers. Out of nowhere, I received an email stating that my account was permanently closed due to alleged "unauthorized deposits". I immediately reached out to dispute this, as it is a complete misunderstanding and I have done nothing to violate their policies.

Instead of looking into the issue or providing any evidence, their customer support team gave me automated, scripted responses. They repeatedly hid behind their "Cardholder Agreement," refusing to provide a single detail about what triggered this decision "for security reasons." They claim the decision is final and unrevokable.

​To make matters worse, this sudden and unfair closure means I am now at risk of losing access to my Canadian Disability Benefit, which I rely on. Even after explaining the severe financial hardship this causes, the support agents didn't care and simply closed the chat session on me. They also claim it takes up to 45 business days just to return my remaining funds.

KOHO has zero transparency, zero accountability, and completely dismissive customer service. If you want a financial institution that actually communicates with you and respects its users, stay far away from KOHO. I am officially escalating this matter to the Ombudsman (OBSI) and looking into legal alternatives. Unacceptable.

I receive a greater interest on most of my money than what my regular bank pays. I wish that the funds on hold for my secured credit building also paid interest. Also I hope the fees for the various plans do not increase any further. I currently pay $24 per month which negates any interest earned.

Easy to use and not too many service charges no unexpected charges. Everything priety straight forward 👍

Simple to use, plenty of options, plenty of perks

KOHO has been super easy to use. Load money and spend anywhere Mastercard is accepted. Reliable and convenient.

So far I love it!

I've been using this for quite some time. I love the round-up feature, which helps me save more. It's very handy when I am travelling as well. No foreign exchange fees!