# KOHO: Award-winning Money App — Cash back, spending & savings > All-in-one spending, saving, and credit building app with cash back rewards. (iPhone/iPad app by Koho Financial.) - Source: https://appshunter.io/ios/app/koho-award-winning-money-app/id1091010942 (this page in markdown: same URL + `.md`) - Developer: [Koho Financial](https://appshunter.io/developer/1091010941) - Category: Finance - Price: Free - Rating: 4.79/5 from 82,421 App Store ratings · 264 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 151 MB - Languages: American English, French (France) - Released: 2017-01-23 - Data updated: 2026-09-13 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/koho-award-winning-money-app/id1091010942/reviews.md ## What is KOHO? Make money progress with KOHO. Join 2 million Canadians who trust KOHO as the ultimate way to spend and save—no hidden fees, no fine print, no catch. With a prepaid Mastercard and innovative tools, we provide our users with the ability to earn, spend, borrow, build credit, and budget—all in one convenient app. KOHO’s mission is to make managing money accessible, engaging, and user-friendly, ensuring that everyone has the resources they need to take control of their financial future. PERSONALIZED PLANS FOR EVERYONE KOHO has curated three different plans to suit any sort of spending and saving, for ultimate flexibility and freedom with your money. Boost your cash back rewards, jumpstart your credit-building journey, or earn more interest with KOHO plans - Essential, Extra, and Everything. EARN MORE, SPEND LESS KOHO’s awesome cash back benefits mean you’ll be rewarded for everyday spending. Get up to 2% back on groceries, food, drink, and transportation and 0.5% cash back on all purchases. GOODBYE, UNNECESSARY FEES With KOHO, you'll never have to worry about e-transfer, ATM withdrawal, or hidden charges. We’re here to save you money — no more worrying about hefty bank fees. BUILD YOUR CREDIT HISTORY KOHO's Credit Builder program helps you improve your credit history with minimal effort. Simply secure a line of credit, make timely repayments, and build your credit history. A strong history can raise your scores. EARN INTEREST ON EVERYTHING Maximize your earnings with up to 3.5% high-interest savings. Watch your money grow and master your savings goals. Reliable, steady growth designed to meet savings goals. START SPENDING IN MINUTES Sign up quickly and receive a virtual card instantly. Use the app to pay bills, send Interac e-transfers, create savings goals, and chat with the KOHO team for support or suggestions. No time like the present, right? REFER & EARN Share the love and earn $20 for each friend you refer to KOHO – they'll also get a $20 bonus to kickstart their financial journey! PEACE OF MIND GUARANTEED Partnering with Mastercard means your money is held securely. Protect yourself further by locking your card in-app and enjoy our zero-liability policy for unauthorized use. As featured in NASDAQ, Bloomberg, The Globe and Mail, CBC, Toronto Life, Yahoo Finance, and Financial Post. KOHO is a fintech company, not a bank. We partner with a variety of banks to deliver an outstanding financial product. Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice. Try KOHO today and unlock your full financial potential! KOHO 601 West Broadway, Suite 400, Vancouver BC, V5Z 4C2 ## Key features - Earn cash back on purchases - Build credit history - High-interest savings accounts - Budgeting tools - No hidden fees - Instant virtual card ## Recent user reviews (10 of 264) All indexed reviews: https://appshunter.io/ios/app/koho-award-winning-money-app/id1091010942/reviews.md ### 5/5 — Awesome *2026-09-09, version 4.25.0* Use it all the time. Great interest rates, free plan, and no foreign transaction fees. Best banking app ever! ### 3/5 — Counterintuitive layout *2026-09-09, version 4.25.0* Seriously, is it that hard to include a date and timestamp in Notification Center entries? Sometimes I really need to know WHEN such events happen, not simply THAT they happen. ### 1/5 — Terrible verification and support experience *2026-09-09, version 4.25.0* I spent four days trying to verify my identity with KOHO. As an international student, I explained from the beginning that I do not have Canadian government-issued photo ID. Different agents repeatedly asked me for my passport, study permit, selfies, student ID, RBC account linking, bank statements, and proof of address. I submitted everything, sometimes more than once. One agent eventually confirmed in writing that my identity had been successfully verified and that my profile was fully set up. However, the app and website still showed my account as unverified. After that, other agents simply sent me back to the beginning and again asked for Canadian photo ID. I understand that financial institutions need strict KYC procedures. The problem here was KOHO’s extremely poor internal coordination, contradictory responses, and repeated requests for sensitive documents that had already been submitted. After nearly three days of being passed between agents, I gave up on KOHO entirely. One of the worst onboarding experiences I’ve had with a financial service. ### 5/5 — KL *2026-09-08, version 4.24.0* I like their cash back rewards and practicality! ### 5/5 — Amazing *2026-09-08, version 4.24.0* I love KOHO so much ### 5/5 — Perfect for rebuilding your credit. *2026-09-08, version 4.24.0* Perfect for rebuilding your credit. ### 1/5 — Locked out of account *2026-09-07, version 4.24.0* It has been months since I have been able to login to my KOHO account, I had $50 in savings and whatever in spendings and I can not access the account. It just keeps asking for technical support after confirming my number with an access code. I don’t understand and need to access that money NOW. I have tried to call the number on the back of my KOHO card as well and it won’t go thru, won’t even ring. ### 5/5 — My complete banking wants and needs. *2026-09-07, version 4.24.0* KOHO bank has everything I want and need, it’s so easy to use with great rewards and friendly customer service. Thanks KOHO . I love you guys . ❤️🇨🇦 ### 1/5 — It’s not a reliable app *2026-09-05, version 4.24.0* It’s not a reliable app. It gives you errors with almost everything you try to do, and you have to spend a long time talking to a support agent just to get things resolved, while similar apps work smoothly without all the hassle. ### 1/5 — The such arse! *2026-09-05, version 4.24.0* The only company that steals money! ## Frequently asked questions about KOHO ### 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. ## Version history (last 5 releases) ### 4.25.0 — 2026-09-08 Improved platform stability and app performance. ### 4.24.0 — 2026-08-31 Improved platform stability and app performance. ### 4.23.0 — 2026-08-24 Improved platform stability and app performance. ### 4.22.1 — 2026-08-18 Improved platform stability and app performance. ### 4.22.0 — 2026-08-17 Improved platform stability and app performance. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-13.*