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.
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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.
KOHO Plans
With KOHO Plans you can choose an account that’s got just what your wallet needs, like cash back on groceries and transportation, no FX fees, and high interest savings.
Sign up today with the code KOHOSTACK and receive a free 30 day trial of any KOHO Plan
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.
Instant cashback
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.***
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.
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STACK is ending the prepaid program September 11, 2023 and has partnered with KOHO to help continue servicing STACK prepaid customers through a new KOHO account. KOHO is also a reloadable prepaid Mastercard that functions very similarly to the STACK card and has extra benefits for users to enjoy.
No. You can use the referral code **KOHOSTACK** to create an account today and get new user incentives to get you started!
Once you successfully sign up for KOHO with the code KOHOSTACK, STACK will automatically transfer over your balance within 48 hours. If you don't wish to continue with KOHO, please use your remaining balance on STACK to make purchases or withdraw it from STACK before the program ends on September 11.
KOHO is a free spending and savings account where you can get instant cashback and earn interest on your entire account. You get a prepaid reloadable Mastercard that gives you all the spending power of a credit card without any fees or interest.
Unlike a credit card, however, the KOHO card draws from funds that are already your money. This key difference makes could help you spend more mindfully. It’s connected to a smart budgeting app that simplifies day-to-day finances with spending insights and you can sign up to receive balance updates after each purchase.
It’s pretty simple. You add funds to your KOHO account in one of three ways: setting up a direct deposit, e-Transfer from your regular bank or STACK account, or loading through an existing debit card.
You can then use your KOHO card, either in person or online, to make purchases just like you would with any debit or credit. Even more impressively, your new KOHO card supports Apple Pay, Google Pay, and Samsung Pay – it’s one of the only cards available that supports all three of those payment platforms. If your cellphone is NFC-capable you can tap away or just use your physical KOHO card to complete a transaction. Talk about convenience!
After August 18, 2023, you will no longer be able to load funds onto your STACK card. On September 11, 2023 your STACK card will no longer be active. Please note that any ATM or POS transactions will not be approved after this date.
The KOHO Mastercard® Prepaid card is issued by KOHO Financial Inc. pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
*Only the users who successfully register a new KOHO account with code KOHOSTACK are eligible for the offer and may claim the one-time 60 day free Extra subscription. This offer is non-transferable and may only be used once per person. Offer is not applicable in conjunction with other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.

Only those users who (i) successfully register a new KOHO Account (“Account”) using the code KOHOSTACK and (ii) subscribe to KOHO Bundle Products using their registered Card (“Card”) in a single transaction, after taxes and applicable fees, within 30 days of registration, are eligible for the offer. This offer is non-transferable and may only be used once per person. To be eligible for the offer, a qualifying purchase for KOHO Bundle Products in a single transaction, after taxes and applicable fees, must be charged to the Card during the offer period and subsequently posted to your Account. The subscription fee paid will be refunded to your Account within 90 days. You can earn a maximum of one (1) credit/s to a maximum of $19 (CAD) in credits per Card during the offer period based on one (1) consecutive month subscription fee payments. In the case of a purchase made during the offer period, it may not qualify if the Card is charged by the merchant on a different date and that date occurs after the offer ends. KOHO Bundle Products subscriptions are subject to KOHO User Agreement terms. (available at You must be at least 18 years of age, or the age of majority in your jurisdiction of residence, to subscribe to KOHO Bundle Products. Please note if you purchase a subscription, unless you notify the merchant that you want to cancel, your subscription will automatically renew on a monthly basis for another subscription period of equal length and you will be charged the then-current price for the subscription. You can cancel your subscription at any time before the end of the current billing period or promotional offer period, subject to KOHO User Agreement terms.
**Your funds will also be eligible for CDIC insurance. Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice.
***Credit scores are based on complex models involving a variety of factors. Consistent on-time payments help improve credit scores. Missed or late payments may cause credit scores to decrease. Outcomes may vary among users.