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KOHO: Award-winning Money App

KOHO: Award-winning Money App

Cash back, spending & savings

82K ratings
359 reviews
💰 Finance

Details

Released
January 23, 2017
Updated
November 9, 2026

Features

Developer

Koho Financial
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KOHO: Award-winning Money App screenshot #1 for iPhone
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⭐359
Reviews↘︎
🎪1 in live
Events↘︎
❓8 answered
FAQ↘︎
📦~ in 6 days
Updates frequency↘︎
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About

Manage your money with a prepaid Mastercard and innovative tools. Earn cash back, build credit, and save with high interest, all without hidden fees. Get started in minutes with personalized plans for your financial goals.

✓Earn cash back on purchases
✓Build credit history
✓High-interest savings accounts
✓Budgeting tools
✓No hidden fees
✓Instant virtual card
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What's New in KOHO

4.34.0

November 9, 2026

Improved platform stability and app performance.

Events

Read more about iPhone Duo Weekly Draw
LiveLive Event

iPhone Duo Weekly Draw

7 weeks, 7 draws, 7 iPhone Duos.

Nov 9, 2026 — Dec 10, 2026

Read More

Read more about 10 Years of Free Groceries
Event EndedSpecial Event

10 Years of Free Groceries

Get a shot at skipping 10 years of grocery bills.

Jun 9, 2026 — Jul 10, 2026

Read More

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User reviews

Most RecentHighest RatedLowest Rated

Bad customer service

Multiples times, I try to do a transaction that worked before no problem, but KOHO bug and say no . I wrote to the support and they always tell me that there is nothing they could do if those transactions , necessary for my life like refilling a bus card or pay in another country or wtv , are declined for no reason at all . Terrible .
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JJeb0xQc

Interest

I love the way one can earn interest on EVERYTHING!
Thankyou!
L2LanBanan-Chrysler 200

Banking

My favourite
Ggvbihdrh

False advertising

Yeah the cover stuff was the only useful thing. Staff is unhelpful. 2 days wait for any help. No help with chargebacks at all. They don’t care about you. Find another service. I don’t recommend it. The animations and pretty graphics got me sticking around. But it’s not worth it. Find a more reputable banking app.
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JCJohn Ng Canada

Five stars eh

I’m happy with koho but man, I’ve tried to dismiss this. “write a review?” notification, easily a dozen times in the last few days so here you go, I shouldn’t be leaving five, simply because of this. But meh. They’re alright
JSjonny 1 star
See 354 more reviews

FAQ

What is KOHO?

KOHO is a fintech company offering a prepaid Mastercard and a mobile app designed to help users manage their money. It provides tools for spending, saving, earning cash back, and building credit, aiming to make financial management accessible and engaging.

How does KOHO's cash back program work?

KOHO offers cash back rewards on everyday spending. Users can earn up to 2% back on groceries, food, drink, and transportation, and 0.5% cash back on all other purchases. These rewards are applied directly through the app.

Can KOHO help me build my credit history?

Yes, KOHO features a Credit Builder program that helps users improve their credit history. By securing a line of credit and making timely repayments, users can build a stronger credit history, which can potentially raise their credit scores.

What are the different KOHO plans?

KOHO offers three plans: Essential, Extra, and Everything. These plans are designed to provide flexibility for different spending and saving needs, with benefits like boosted cash back rewards, credit-building assistance, and higher interest earnings.

Does KOHO have ads?

Yes, the KOHO app contains advertisements. This is a common model for free financial apps that offer robust features and services to their users.

How secure is my money with KOHO?

KOHO partners with Mastercard, ensuring your money is held securely. The app also offers features like locking your card in-app and a zero-liability policy for unauthorized use, providing additional peace of mind.

What devices is KOHO available on?

KOHO is available on iPhone and iPod devices. The app is designed for mobile use, allowing users to manage their finances on the go.

How often is KOHO updated?

The latest version of KOHO is 4.13.0, and it was last updated on June 8, 2026. This indicates a commitment to regular updates and improvements for the app's functionality and security.