Join over 1 million Canadians on KOHO
- Welcome to KOHO. We are STACK's preferred partner to help you continue getting the same benefits you love, as well as lots of great new ones with KOHO. Enrol now to open your KOHO account in less than five minutes.
- Plus, get the first month of any KOHO subscription plan for FREE when you sign up with code KOHOSTACK.
So that you can earn more and avoid FX fees!*
- Be sure to use the same email on your STACK account when signing up with KOHO.
Your money, managed your way
Just like STACK, KOHO is a reloadable prepaid Mastercard with a fully integrated app that gives you all the spending power of a credit card without the interest or hidden fees.
Your app and physical prepaid credit card work together to make day-to-day finances smart and stress-free. With automatic cash back on every purchase and up to 4.5% interest earned on your balance, KOHO users can save more and pay down debt quicker.
Earn high interest
Boost your savings!
With your new KOHO account, you can earn up to 4.5% interest** on both your spending and savings account.
No minimum balance required. No delays and no need to make an appointment. Your funds are securely held with a variety of financial institutions, and all interest-bearing deposits are eligible for CDIC protection. Check out how to set up direct deposit with KOHO.
KOHO is the only account with no interest charges, no e-Transfer fees, and no NSF fees.
Get unlimited cash back! You can earn up to 6% extra cash back at select merchants.
With KOHO Extra, you get unlimited instant cash back from all purchases. 2% on Groceries, Eating & Drinking, and Transportation. 0.5% cash back on other categories.
Build your credit history
Want to build your credit history? Try Credit Building by KOHO. No deposits, no interest rates. On-time repayments help to improve your credit history and a strong credit history can help to improve your credit score. But remember, a missed payment will have a negative impact on your score, so it's important to make on-time payments.
KOHO users see an average credit score increase of 22 points after just 3 months of using Credit Building.***
Save and Earn
Reach your goals faster with automated savings. Lock your card in-app, securely shop online, and rest assured your money is protected with top-tier security. It’s no wonder why KOHO is trusted by over a million Canadians.
Budgeting and Planning
Automate your savings goals and bill payments whether it’s small expenses or your future savings. We’ve also made it easier to help you save as you spend by allowing you to choose to round up purchases to the nearest $1, $2, $5, or $10. You can also get balance updates after each purchase and spending insights to help you to stay on track.Get StartedOpen Account