KOHO Reviews 

This has got to be one of the best credit unions. I have saved so much money. Excellent cash back, round ups on spending, LOC and overdraft ( although I wish the fee was so high for overdraft)

Dear koho Customer Support,

I am writing to express my extreme disappointment with the way my account access issue has been handled.

I opened my koho oho account in April. Since opening the account, I have never received a debit card. Recently, I lost my cellphone and no longer have access to the phone number associated with my account. While I understand the importance of security, I do not understand why there appears to be no reasonable alternative method to verify my identity and regain access to my own funds.

Over the past several days, I have sent nearly 100 emails and have spoken with numerous support agents. Each time I receive a different response, yet no one has actually resolved my issue.

I have provided everything that was requested, including:

- My passport and government-issued identification.
- A second form of identification.
- A photo of myself holding my identification.
- My marriage certificate.
- Details of my recent account transactions.
- Access to a friend's phone number so verification codes could be received.

Despite providing all of this information, I continue to be denied access to my account.

Today is Thursday, June 25, and I informed your team that I was expecting a deposit of approximately CAD $860 into my account. Even with this knowledge, my issue remains unresolved. I believe it is unacceptable for a financial institution to withhold a customer's access to their own money after their identity has been verified through multiple documents.

Traditional Canadian banks such as TD and BMO have alternative methods of verifying customers who lose access to their phones. They use personal information, security questions, identification, and other verification procedures. Coho should have similar policies in place to assist customers in situations like mine.

What concerns me even more is that koho does not provide a customer service telephone number. The only method of communication is through email, making it incredibly frustrating when urgent banking issues arise.

As a customer, I expected better service and better support. Instead, I have experienced delays, inconsistent communication, and unnecessary stress. Once I regain access to my account, I intend to transfer my funds to my TD Bank account, where I have confidence that customer service and account security are handled more effectively.

I request that this matter be escalated immediately to a supervisor or manager who has the authority to resolve my account access without further delay.

I expect a prompt response and a resolution as soon as possible.

Sincerely,

Kimberly Ann Ntiamoah

As it's Monday 5 days and still no response from this team I hear about.i gave everything and I think after 300 emails and me as a customer begging for my money was something no customer should have to do .I again am asking for access to my money as this is not acceptable anymore.

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 purchases and interest on my balance. The only issue I've ever had with Koho is that if you dispute a transaction, they don't give you the cash back until it's settled. Other than that, it's been excellent. Great value, convenience and basically every feature of traditional banking with more perks.

I got scammed by a company that has an unconditional return policy which they did not honor.Koho Mastercard supposedly investigated for 6 months then declined reversing the charge. Absolute shit slow non existent service. Avoid this company. And i did all the things they said in their response to this, and was ignored then declined. Koho is garbage

Good experience card is easy to use except when your hacked no one to inform but lock is fast and issue a new card is fast

I’ve been using KOHO for a while now, and it has genuinely changed how I manage my day-to-day finances. As someone who is AuDHD, traditional banking often feel overwhelming or abstract, but KOHO’s layout makes everything incredibly tangible.
My absolute favourite part of the platform is how much it helps with credit building. Between their dedicated credit building tool and the rent reporting feature, it has been incredibly empowering to see my score get a boost just from making my regular payments. I also love the higher interest rates on savings and the consistent cash back I earn on groceries. The instant notifications are a lifesaver; being able to see exactly what I spend and track my balance in real-time keeps me grounded. It makes reaching small savings goals feel entirely doable rather than stressful.
If I could suggest one area for improvement to make customer satisfaction even higher, it would be to introduce some finance gamification. Adding fun milestones, badges, or visual challenges for hitting savings goals would make managing money feel less like a chore and more like a game.
Overall, I highly recommend to anyone who needs a clearer, more interactive way to see their money.

Extremely long process to just open an account, if you're a new startup. Digital banks are supposed to make this quicker! Concerning there is no swift support if fraud or similar occurs. Feels like a digital company in the dark ages..
Expecting the usual cut and paste reply to this by Koho.

Been a great banking experience so far.

I like koho. it helped me build my credit. I wish we could use the card for online casinos. or othe purchases. such as purchasing tickets off of ticketmaster. It would be nice to be able to cash my cheque online as well. take a pic to deposit.

I’ve been using this card for years. I enjoy the convenience of the card and that interest is not counted for the cover, it really helps get through in between paycheques.

I have been with koho for many years now
Many benefits from helping fix your credit
Earning interest on every penny spent
Credit counseling
Overall experience 5 stars

Worst experience ever. Has fraudulent activity on my account . Wasn't able to speak to anyone real. Subsequently I tried to cancel my account to no avail. Useless and zero support.

Helps build credit with out credit card fees

Works, no delays or issues, great way to save money up and build credit

Always get charged to take cash out. At least with my neo card, they refund me the money.

I love Koho it’s a great way to save money. I really like the pay later option as sometimes when you’re running a little short on cash it gives you enough to get by. So I will definitely keep using Koho for sure

Great banking entity. Moved my main accounts here 3 years ago and I’d say on of the best decisions I’ve made yet

They are honest, they have credit building programs, they pay interest daily on funds left in, they are always expanding and innovating the experience. They are almost a bank and I treat them as such.

Sometimes in life things happen and some of us tank our credit score. A friend told me about KOHO and that she used it to help her daughter build her credit, and she was able to manage how much money she was spending. I was intrigued and I was especially excited to learn that my name would be on it so I could use it in certain situations where I was not able to use my debit card. I’ve told many people about KOHO and how easy it is and how much my credit score has risen.

Never had issues, been helping me build my credit score.