KOHO Reviews 

It’s so easy to track your spending, you can improve your credit score, save money. It was a really good decision for me.

i had no bank and hardly any credit and this helps me use it as a bank and also helped build up my credit

I like everything about my koho the cover is a big help and being able to withdraw from an atm helps to be even better if koho got a actual branch

7Good day, KOHO has blocked access to my bank account refusing to send me my money in my account and been dealing with support for over 3 days now with no progress or updates on my account. I try to log in and brings me to a page that says I need to email verify@koho or something and noone has messaged me back and the first msg I sent couldn't be delivered. This is stupid holding my funds hostage basically because ive verified my account ive sent in drivers license through to support and still no changes or access to my account or my funds. This is the worse banking experience of my life and I will be gladly telling all my friends and people not to bank with Koho, I will be discussing this with a lawyer and obsi and the better business bureau since they have given me no other option since they cant resolve my issue in a timely manner, and we as humans need access to our money to live everyday.
Update june 29th 2026, still no update and still waiting but they've asked me to send in my drivers again with proof im hold the id, and then asked "if ive never created an account with them in the past how do I have an account" then I sent proof of them verifying my email through my email when I created the account june 22nd. Added funds to my account via emt and then the next day cant access my account and they cant fix it nor will they send my funds to my email via emt even after I said to close the account. I dont recommend banking with this company.

This is helping with rebuilding credit give me options to reserve hotels and other things I need.. the credit rebuild is not costly at all the extra over draft is helpful when needed. Only thing is the rent thing need the split 1 setup. Even though I pay it all with 2 people on lease I have to wait wish is is here faster
Thank you

Honestly it’s been really wonderful for me over the years. Not sure I’ve ever been happier with a bank. Only thing I wish for is cheque deposit. But I know it’ll come one day.

Great app for managing your money and building credit highly recommend thanks Koho you guys rock!

Aim for $500 cover. It can cover a lot for you!

I always had amazing service. If need help I always get clarity from the customer service team.

Seems better than a bank to me. Does everything banks can do only better

What made my experience great is that we can use it at any store and the cash back is great too..😊

I love it cause it helps build my credit

No hassles, great rates and excellent services, couldn’t ask for a better financial company

Bonne application pratique

Enjoy everything koho has to offer

Koho is a great option for credit building and managing spending. The application is convenient and provides a virtual credit card for online use to keep your account safe

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.