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Overview of the KOHO Everything

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Earning categories


On bills, eating & drinking, billing & services, and groceries, restaurants (including fast food & drinks)


On selected merchants


On other purchases

Detailed card summary

Benefits & features

  • Earn an extra 2% cashback on eating & drinking, billing & services, and groceries on top of minimum 0.5% cash back on all purchases. Plus, Up to 50% extra cash back at selected merchants
  • Earn 5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice.
  • $19/month to unlock the following KOHO Everything account features.
  • No minimum account balance.
  • Credit Building for $5 / month instead of $10
  • No Foreign Exchange fees on any purchases. Also get access to 1 free international ATM withdrawal per month.
  • Choose from one of five exciting card colours including the exclusive KOHO Everything card design. Receive both a physical and virtual card.
  • Access all the features of a KOHO account such as Card Security, Goals, and RoundUps.

How to redeem

How to get approved