# KOHO: Award-winning Money App — user reviews > 264 indexed App Store user reviews of KOHO by Koho Financial, rated 4.79/5 from 82,421 ratings. - Source: https://appshunter.io/ios/app/koho-award-winning-money-app/id1091010942/reviews - App overview in markdown: https://appshunter.io/ios/app/koho-award-winning-money-app/id1091010942.md - Rating breakdown: 5★ 72,747 · 4★ 5,878 · 3★ 1,702 · 2★ 411 · 1★ 1,643 ## Newest reviews (12 of 264) ### 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. ### 5/5 — Great Service *2026-09-03, version 4.24.0* I have no complaints about my Koho account. It works like a charm. I 100% recommend it. ### 4/5 — Amazing *2026-09-02, version 4.24.0* I really enjoy using KOHO i have never had a banking option where i got so many rewards that actually benefit me. I highly recommend this! ### 5/5 — Dee Blue Sea *2026-09-02, version 4.24.0* Welcome aboard ### 5/5 — Speed *2026-09-02, version 4.24.0* I like that I can transfer $ to family fast ### 5/5 — awesome app and great rewards *2026-09-02, version 4.24.0* very good to rebuild credit ### 5/5 — Excellent app *2026-09-01, version 4.24.0* Easy to use and navigate ### 5/5 — Great App *2026-09-01, version 4.24.0* Simple, straightforward ### 3/5 — Used to be great *2026-09-01, version 4.24.0* It was a great service a few years ago, but they keep stripping tiers of their perks and raising the price after taking perks away. They don’t add benefits to the base tiers anymore, only to the top tier. My experiences with customer service have not been great, their agents make you wait 20-45 minutes between messages to reply in the chat. It used to be great but now it’s just ok. ### 5/5 — Bonuses *2026-09-01, version 4.24.0* For a paid card it has a lot of helpful credit building and reward stuff. ### 5/5 — Excelente *2026-08-31, version 4.24.0* Bueno ### 5/5 — Great prepaid Credit Card ever *2026-08-31, version 4.23.0* I love it. ## Most critical reviews (10 lowest-rated) ### 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. ### 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. ### 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! ### 1/5 — Scam - Will allow your money to be stolen and will never help. *2026-09-03, version 4.24.0* If I could rate less than 1 I would. Credit building is a scam - it will never build your credit but they will charge you for it monthly. They do not have security. If your account is hacked, or money is taken from you, you will speak to AI for weeks. The only way to speak to a human is once you’ve decided to cancel KOHO. ### 1/5 — Log issues *2026-09-02, version 4.24.0* Was trying to login when I got the two step verification and for some reason it had switched from my number to someone else’s in my family. I haven’t changed anything with the settings of my number I had also verified it. So now I have money on an account that I can’t access. ### 1/5 — Horrible *2026-09-01, version 4.24.0* Bad chstomer service ### 1/5 — Not Helpful *2026-09-01, version 4.24.0* If you ever have an unauthorized purchase dont even bother disputing the charge as Koho will not help you at all to have a resolution. Will immediately decline your dispute and then proceed to have 10 different "associates" respond with AI templates. Useless customer support ### 1/5 — Do not recommend *2026-08-28, version 4.23.0* Scammy and impossible to cancel fees ### 1/5 — Lack of service *2026-08-25, version 4.23.0* 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. Email sent.. Been waiting a week now for main bank account access. Still no luck. ## Most praised reviews (10 highest-rated) ### 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! ### 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. ### 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 . ❤️🇨🇦 ### 5/5 — Not just another card *2026-09-05, version 4.24.0* Great card, great rewards and an awesome easy to use app. ### 5/5 — KOHO *2026-09-04, version 4.24.0* It’s my new bank account ### 5/5 — The best *2026-09-04, version 4.24.0* Only banking app I’ve seen truly build credit with minimal effort that shows up in a matter of months ### 5/5 — I love it *2026-09-04, version 4.24.0* Cash back is great and the app is easy to use ### 5/5 — Reliable *2026-09-04, version 4.24.0* Easy to use --- *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.*