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KOHO Reviews 

2,379
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Considering 1,835 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently find the platform easy to use for managing finances, praising its user-friendly interface and reliable service. Many highlight the excellent suite of products and features, particularly for building credit and offering higher interest on savings. However, some customers noted issues with payment processing, such as funds not being returned until disputed transactions are settled, and concerns about unauthorized charges. A few other people also felt that customer support response times could be slow, and some experienced difficulties with account access or credit reporting discrepancies.

What people talk about most

User experience

Reviewers mention positive feedback about user experience, highlighting that the app is simple, easy to use,... See more

Payment

Customers had ambiguous experiences with payment, with some appreciating features like instant fund transfers... See more

Service

Customers consistently note positive experiences with service, often highlighting the quick processing of... See more

Product

Users describe positive interactions with the product, highlighting its various features that help save money... See more

Customer service

People report ambiguous experiences with customer service, with many praising the helpfulness and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I open this account for my daughter first so I can send her how much she needs and control her spending. But I was so satisfied with koho , with so many options for saving and all benefits what koho o... See more

Company replied

Rated 5 out of 5 stars

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... See more

Company replied

Rated 5 out of 5 stars

All good after a year of use. Cashback is a nice feature. Also the account is basically free if you have just one direct deposit a month. The virtual MasterCard and physical one all work basica... See more

Company replied

Rated 5 out of 5 stars

Koho goes above and beyond. I have never experienced delays in direct deposits, etransfers, bill paying or anything. They have a lovely suite of products that help build you credit and I use all... See more

Company replied


Company details

  1. Non-bank financial service
  2. Alternative Financial Services
  3. Financial advisor
  4. Financial Institution
  5. Money transfer service

Written by the company

KOHO is the simple, secure, and rewarding way to manage your money. We empower Canadians to improve their financial lives without the red tape and high fees found elsewhere. We provide easy-to-use tools for spending, saving and credit building all in one place.


Contact info

Promotion box for KOHO

GET AHEAD. STAY THERE.

Join 2+ million Canadians who are making progress with KOHO.

4.5

Excellent

TrustScore 4.5 out of 5

2k reviews

5-star
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1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 70% of negative reviews

Typically replies within 2 weeks

How this company uses Trustpilot

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4.5

All reviews

(2,379)

1,937 reviews in the last 12 months

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Rated 4 out of 5 stars

I really like koho for the credit after…

I really like koho for the credit after doing bankcrupt it really helps credit score when using the best option for theire accounting fees MsF and also love the crypto feature pretty easy to use and love it

7 July 2026
KOHO logo

Reply from KOHO

Thanks so much for the review! We really appreciate your feedback.

Rated 5 out of 5 stars

Best account and control over money spending.. I love koho. Thank you

I open this account for my daughter first so I can send her how much she needs and control her spending. But I was so satisfied with koho , with so many options for saving and all benefits what koho offer I start using same account. My daughter using physical card and me online and phone payment.

7 July 2026
KOHO logo

Reply from KOHO

Thanks so much for the review! We really appreciate your feedback.

Rated 1 out of 5 stars

Got a login unavailable notification…

Got a login unavailable notification while trying to log in after I received an email stating that my auto deposit is no longer active. I need an explanation because I am literally expecting my wage paid this Thursday through this account and I don’t want be stranded but it looks like it might end up being my fate. Please do you not value your customers to just deactivate their account without properly communicating with them and explaining why the account has been deactivated.

7 July 2026
Unprompted review
KOHO logo

Reply from KOHO

Thank you for taking the time to share your feedback. It looks like you're already in contact with our support team, and they'll be happy to help answer any question you have. Please feel free to continue the conversation through your open support chat if you have any additional questions. We're here to help.

Rated 5 out of 5 stars

My credit has been boosted by almost 60…

My credit has been boosted by almost 60 points in the 5 months I've been using it for that exact reason .... Well built program and results are real!

6 July 2026
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Reply from KOHO

Thanks so much for the review! We really appreciate your feedback.

Rated 5 out of 5 stars

It came in hand when I was really stuck…

It came in hand when I was really stuck especially on visits out of town for drs appts and other miscellaneous

6 July 2026
KOHO logo

Reply from KOHO

Thank you so much for the kind words, we really appreciate the feedback. We're so glad we could be there for you when it mattered most!

Rated 5 out of 5 stars

Good

Just satisfied

6 July 2026
KOHO logo

Reply from KOHO

Thank you so much for this review! We really appreciate your feedback.

Rated 5 out of 5 stars

Its been great having a CC that doesnt…

Its been great having a CC that doesnt suck. Actually got money back like they said, unlike others. Been a great 2yrs

3 July 2026
KOHO logo

Reply from KOHO

Two years and counting, that's what we love to hear! We're glad the cash back has been delivering as promised and that we've been able to keep things refreshingly straightforward. Thanks so much for your continued loyalty and support!

Rated 5 out of 5 stars

I appreciate the quick response and how…

I appreciate the quick response and how koho asks me questions about my account for the fraudulent transactions that were made on my koho account.. 10/10 koho 🙌⭐️

5 July 2026
Unprompted review
KOHO logo

Reply from KOHO

Thank you so much for the kind words! We take the security of your account seriously, and we're glad our team was able to assist you with this!

Rated 5 out of 5 stars

Koho has been amazing with me i love…

Koho has been amazing with me i love the fact that I can have an overdraft and it helps build my credit

Thank you Koho

2 July 2026
KOHO logo

Reply from KOHO

Thank you for the wonderful review! It's great to hear that both the Cover and Credit Building are making a positive impact!

Rated 5 out of 5 stars

Efficient & Easy

Secure. Easy to use to split bills. Easy to save and send money. Great credit building offers, and nice designs that are soft on the eyes.

1 July 2026
KOHO logo

Reply from KOHO

Thanks so much for the review! We really appreciate your feedback.

Rated 5 out of 5 stars

Great!

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

1 July 2026
KOHO logo

Reply from KOHO

Thank you for the kind review! We're glad the account has been easy to get started with and that the Credit Building and saving features are working well for you.

Rated 4 out of 5 stars

Helpful

Koho has been helpful in restoring my credit score.

2 July 2026
KOHO logo

Reply from KOHO

Thank you for sharing this! We're so happy to have helped you improve your credit score!

Rated 5 out of 5 stars

New account questions

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

3 July 2026
Unprompted review
KOHO logo

Reply from KOHO

Thank you for sharing this! We're so glad we were able to answer your questions in a clear and easy way as you get started with your new account!

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