KOHO Reviews 

love the fact that I can access the card on my phone and PC. The cash back feature is a bonus and communicating with them through the app is very convenient and accurate. We use the card when in the Dominican Republic - very fair rate of exchange between Domincan pesos and CDN $. We load CDN $ and use it for purchasing anything in Dominican Republic.

Reliable service, user friendly

The help it gives to improve credit score as well as easy option to save money.

So far, only positive experience.
Love the simplicity, love the cashback and roundups.

Always ready when needed.

great guidance and instruction on how to navigate thru a compromise card and Google wallet and removing card from merchants

all good
u r awesome

Very easy to use

Unable to Refund Fraud, Unlike Normal Banks Can. I had an online scam, get me to give my credit card details to pay 2 dollars for one of those instagram ads with 90 question surveys to find out what type you are. I thought it was free but after getting the end of the survey, they asked you to pay 1.99 for them to send you your results. Anyways, I paid the 2 bucks, but a few days later saw a 60 dollar charge on my card. I contaced the company and they said I had to "unsubscribe" to stop this monthly charge that I had not signed up for, so I went on their website to "unsubscribe " to something I had never subscribed for. This was the scam, as in by unsubscribing it made it look like I had subscribed in the first place. I went on trustpilot and it seems Mentalabs scams everyone this way. So I contacted Koho and spent weeks on their chat buts and emailing back and forth with them and they said they couldn't get this fraud claim refunded. My normal bank RBC would have done it in 5 seconds over the phone. As they normally do, I just show them the fraud claim on my statement and their fraud department handles it. So far I have liked Koho until now, but this seems to be a major weakness of their system. Other people have reported they are weak on being able to handle fraud claims. So I just wanted everyone to know this. I was very disappointed and wasted hours of time when they asked for screenshots and lots of evidence and then after like 50 exchanges back and forth with customer service on the phone, in app chat bots and various emails, they were unable to handle a very obvious scam for 60 dollars and I wasted hours trying to get the claim back. If I charged my consulting rates for the amount of wasted time with them they would owe me 600 dollars. I wouldn't use them as my main bank for this reason. They can receive money, they have decent interest rates, but they can't handle any fraud claims, so your money isn't that safe.

Most useless app ever created. I fund my account then they lock me out and dont give me a reason. Then I get into an email thread with them and they just keep asking the same questions over and over again and leaving my money locked away for almost a week with no communication whatsoever. Once I get my money back im closing my account.
Do not use them! Scamers.

Why does 100 go to cover? I paid my loan off. Embarrassing trying to use MY 100 on food and declining. EMBARRASSING

Once I decided to open an account with koho, it was a place other than one of the Canadian big 5,and I thought of putting money the koho account, to start saving, as I started at the very 1st tier, koho would send emails, and kind of help me along, also telling me about other helpful features I might like to try,,,, and the cover feature was awesome it's just something that is there just in case,,, I learned how to AVOID, being in the overdraft, and as I started to use more of thier features it would unlock all sorts of different, avenues,,, my credit score went from well under 500 to a 747,,, is where I'm at now,,, without even trying,,,, lol,,, unbelievable really,,, so thanks very much to koho,,, Regards,,, Bruce morefield. Sept. 11/'26

It’s been amazing they have helped so much on building my credit back super fast on resolving uses fast. I have build up an overdraft with them . I have never had issue and I have been with KOHO for over 3 years and before I tried normal banks and came back. I thought not having a bank to go to would be better it wasn’t. The only thing I’d add is actually real telephone operators. They get a 9/10 from me

Love koho.. online bank with benefits

All the features of the app are great i just wish there was a way to get cash from an ATM without being charged

Love the cash back, monthly credit score.

its helpful for

I had three fraudulent charges on my digital card and KOHO is refusing to investigate. Customer service and Fraud department are ignornant. A big bank would have handled this immediately! Complete crap customer service.

Seriously KOHO I have emailed you four times and all four times my dispute was ignored. You guys are scammers!

I have had nothing but really really good results with koho since signing up just under a year ago. Any issue I've had i have felt that I was heard and taken seriously

J'ai demandé un litige auprès de KOHO et l'expérience a été extrêmement frustrante. J'ai dû parler à environ huit personnes différentes et répéter les mêmes explications ainsi que fournir les mêmes captures d'écran à chaque fois. Malgré toute cette démarche et le fait que j'ai suivi les conseils de KOHO en me désabonnant du service, mon litige a été refusé. Résultat : j'ai perdu mon crédit de 140 $. Très déçue du traitement de mon dossier.