KOHO: Award-winning Money App

KOHO: Award-winning Money App

Cash back, spending & savings

82K ratings
220 reviews

Details

  • Released
  • Updated
  • January 23, 2017
  • August 18, 2026

Features

KOHO: Award-winning Money App screenshot #1 for iPhone
KOHO: Award-winning Money App screenshot #2 for iPhone
KOHO: Award-winning Money App screenshot #3 for iPhone
KOHO: Award-winning Money App screenshot #4 for iPhone
KOHO: Award-winning Money App screenshot #5 for iPhone
KOHO: Award-winning Money App screenshot #6 for iPhone
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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

4.22.1

August 18, 2026

Improved platform stability and app performance.

Events

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User reviews

Lack of service

Don't use this platform I lost access to my account now they won't give me access back to my money as a full paying customer.

Great institution

KOHO is perfect for me. I use it for my purchases and customer is top notch. Professional and friendly.

Love KOHO

I’m getting KOHO five out of five star. It helps you when you truly need financial help. ( as long as u pay it back no time) There is different ways to borrow money from them. Actual 3-4 year ways… cover me, credit building, pay later, plus you can now get a line of credit if approved, it does take time to build those rewards up to u lock them ! Yes, you can have a free account but won’t get any of those extra perks with a free account ! If you want cover me, you have to pay a cover Me fee which the cover me is an overdraft and it’s only a one time monthly fee, which is great for the money that they lend ( no interest on anything through coho that you were to borrow, I think they’re only interest is on the pay later, but it’s a set price at the time you agreed to that pay later ! You can also work your way up to pay later which any transaction over $50 you can borrow back usually the first time it’s around 200$to 500$ and after a couple months and if you get more income coming in, it’s around 700 to 800$ , i’ve had my account longer than My Husband, but my Husband gets more income in his account and he was able to earn up to borrow 750$ on pay later subscription! Just make sure you pay your pay later on time which means the money is in your account to take you will never lose that amount, even if you do have lower income at some point it won’t take it away. I was also saying about the credit building you also can borrow 225$ from the credit building so just make sure you pay the 225$ back that you can borrow up to ON TIME ! Even if you don’t have money in your expendable and you still have money in your cover Me, it will take it out of your cover me that also helps ! Iv had KOHO since around the time they opened. I’ve never had any issues. Thank you, KOHO!!!! Oxoxox
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Super

Exellent service!

Easy to Use and Great for Budgeting

I’ve been using KOHO for 4 years, and I’ve had a great experience with it. I find it very user friendly, and what I love most is being able to create different savings goals and easily manage my budget. The app is super easy to navigate and has really helped me stay organized with my finances. Definitely recommend it!
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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.