KOHO Reviews 

Best bank I have ever used in 40 years, there cash back, shopping discounts, interest rates, crypto, credit building, up to 500 in overdraft cover, (even you have bad like myself) Beats any big bank... I tell everyone I know about it.. I wish I knew about KOHO earlier in my life.. I'm nevér going back to the big banks ever.

It’s really a scam, guys. I tried to dispute the transaction, I got a police report, and I provided all the information they asked for. They still scammed me out of $2,000.

In the end, they refused to dispute the transaction and rejected my claim. They don’t give a shit and they don’t care at all about their customers. They are scammers.

Be very careful with them.

Excelñent for savings and extra benefits bo fees good interest free overdraft bur not available as cash only purchases bills payments etc made to cover u in emergemcies not for extra cash or transfers but tjete are other advanves etc. Says payroll deposot comes day earñy but i personally not recieving this feature currenntly? My major drawback is no physical branch or custpmer servoce only xhat so if there is a problem can be sñigjtly more difficult to resolve i.e. chamge in phone # for verificario codes if have problem witj # on file. Bit if ypu lookig for electronic bank u even get virtual card for e wallets its a great way to go! Rhe bonuses high interest cover me credit building all for no fee and minial imterest defonitely male sense and woth unliited transactions definitely woeth cosidering esp as sexondary bank to use for trasactiios amd bonusess to go alomg bivver branch wirh in perso asistammce for those tiemes its needed amd sice no fees no drawback at all to addig tsaccout ro your finances while decodig ic. Its what you need as primary. Chat service is usually pretty quixl but i find some things require persoal rouch and replaccimg pbysical cars during mail strike hsd challenges

Had pay later for a long time then it cut me off and haven’t been able to use in months says I’m “” not eligible yet”” after over a year or so of use and repayments on time etc

The app works very well - no hiccups, no hitches - just very smoothly. It is very easy to move money in and out of the account - transactions are almost instantaneous.

I use it mainly as a debit/credit card to pay for my daily small expenses. I deposit a small amount each month and stay within that amount over the month. I do not use it for credit - I use it purely as a cash in cash out tool.

Useful app.

Great product, highly recommend

I’ve waited almost a week to get my account verified so access it again. I sent multiple photos and pieces of mail with my name and address a week ago just for them to ask me for the same information today. I haven’t been able to get gas for work or groceries or anything like that because my card is locked and they will not resolve this issue.

KOHO has many great benefits.
It’s a good choice for someone who does a lot of travelling and sending money overseas
Their Q&A is very helpful if you find it hard to fine your way around. The more you use the app. is gets easier.
It just wasn’t what I expected had a lot of features that didn’t apply to me. Overall it was a great product for the right person.

Good not complicated but i have another option similar and free

AI chatbot walked me through solving an issue with the app login with unhelpful suggestions that expected me to select options that didn't exist, yet I managed to muddle through and fix the problem by changing the default browser from Edge to Chrome.
At least it tried to help.
That's more than any human did.

DO NOT TRUST KOHO WITH YOUR MONEY. They are currently holding $360 of my hard-earned cash hostage because of an ATM error. I went to withdraw cash, the ATM didn't even have enough money to complete the transaction and failed to dispense anything, yet KOHO immediately deducted the funds anyway.I spent 4 excruciating hours on their useless chat system, getting passed around to four different people. Not a single one could answer a direct question. Every single rep gave me the exact same copy-pasted, BS generic scripts instead of actually helping me.To make it even more sketchy, about halfway through this 4-hour nightmare, the evidence of these transactions miraculously disappeared from the history on my app. They are literally hiding the evidence of their own system's failure while keeping my funds frozen for up to 7 to 10 days.This isn't just bad customer service; it is completely untrustworthy behavior for an app holding people's money. It is an absolute joke of a platform. Save yourself the nightmare and stay far away.

Lots of ways to say money and you get your money faster then others

There credit programs have been good .

In Canada - the ability to make cash deposit at any.post office is a breeze.

Friendly & informed customer support .

I called a Koho agent at the customer service to verify some details; the agent seemed lost when I asked for her ID number, she told me she didn't have one and that I didn't need it.

I’ve been waiting an hour to speak to a supervisor because an employee should be able to identify themselves—and besides, calls are supposed to be recorded.

J'ai appelé un agent Koho au service à la clientèle pour faire des vérifications et l'agent en question me semblait perdue lorsque je lui ais demandé un numéro d'identification et elle me dit qu'elle n'en a pas et que je n'ai pas besoin de son numéro?

J'attend depuis 1h pour parler à un responsable car l'employé doit pouvoir s'identifier et plus que ça, les conversations sont supposées être enregistrées

I absolutely love this app and my account. It really helps if you need a few extra bucks and thats super cool. Best account I've ever had by far

I absolutely love all the perks and also a huge shoutout to customer service for always being on the ball

KOHO customer service has always answered my questions quickly in a way that I easily understand

Easy to use amd people that help u fast no wait times

Easy right from the start made very easy to use and build any way thats right for me and change any time i want.
Never any issues, fast easy and reliable.