KOHO Reviews 

Everything is fine. I liked using it in Europe for example, where I could pay for a streetcar by touch.
I like fast transfers from Scotiabank.
I don't like no cheque deposits. If I could make deposits by cheque, I would close my regular bank account.
Also, you stopped my OLG subscription several times without notification.

Absolutely love Koho, so great using them !!

Amazing banking, this company goes above and beyond and customer service and it looks after the needs of its customers.

Je suis membre sur l'application, mais ne comprends tout à fait à quoi j'aurai droit si je m'abonne pour $20

Excellent service rewarding referrals
Easy to use and the choices to build your credit 👌 get current credit score
Great advice

KOHO is gaslighting -- again. “we do want to clarify that KOHO does not close accounts ARBITRARILY.” ~ Excuse me?!?!? ~~ Me, myself, & I, want to clarify that KOHO does not close accounts WHEN ASKED (even repeatedly) !!! ~~~ My Aug 14 (15:38) email to KOHO. “Please close my account & transfer the $$$$ to my {main bank} account.” ~~~~ KOHO failed to pay any interest, & failed to close my account & return my funds promptly. My case involves real damages to me, & warrants punitive damages from them.

Locked my account for 2 days without any explanation!!!..

Worst People ever

Just that my credit is going up

They were a good product at one time.

Very recently after immediately putting money on the card it was used for "payments" to a VPN and then many transfers through WorldRemit starting woth huge amounts and then whatever they could get. I realized quickly and locked the card then called KOHO.

While I'm on the phone with them transactions are beong declined for the same thing!! I filed a dispute and they say the transactions are legitimate yet they see the several "payments" and continued attempts for payments after I locked the card as legitimate.

But the VPN payment is definitely fraudulent so I'll get that $26 back.

Starting to believe KOHO is in on it all. "Investigated" extremely fast and the message says the support team are unable to reverse the decision. So basically don't call us.

Great applications with Koho. User experience is top shelf. I intend to utilize some of the credit building options in the future. Overall very happy customer.

Very nice service

Really does work and bringing up your credit

Generally speaking the AI bot while impersonal does seem capable of answering questions, with instructions if required, that are relatively basic. In fact the speed and specifics to most questions are above satisfactory. The only time I run into difficulty is when I require more personalized information about my specific account. That’s when I get transferred, if I feel the answer is important enough to be transferred! For this reason I gave a four out of five star review since the bot lost track of what I wanted because of a second question that wasn’t as linked as I first thought. Otherwise it’s good. Great even provided you are specific in your information sharing and clear about the specific situation. Just don’t ask a second question until your first question has been answered!

Koho has been useful, the app is easy to use, and you don't have to pay anything to use it. Customer service is quick and efficient. There are many ways to manage how you want to move your money, if that's something you want.

I am writing to formally dispute the permanent closure of my KOHO account based on the statement that deposits into my account were reported as unauthorized.

I strongly disagree with this characterization. The deposits in question were legitimate funds belonging to me and were earned through my Uber delivery account. They were not fraudulent, unauthorized, stolen, or obtained from any third party without authorization.

I am attaching supporting documentation from my Uber account showing the source of these deposits, including my delivery earnings and transaction/payment information. This evidence establishes a clear and legitimate connection between the funds deposited into my KOHO account and my earnings from Uber.

The transactions were therefore legitimate income generated through my own work, and I am prepared to provide any additional documentation reasonably required to verify the source of the funds, including Uber earnings statements, transaction histories, payment records, or other information necessary for your investigation.

I am particularly concerned that my account was permanently closed without first giving me a meaningful opportunity to explain or substantiate the source of these deposits. A transaction being reported or flagged as unauthorized does not, by itself, establish that the funds were fraudulent or that I personally engaged in unauthorized activity.

I respectfully request that KOHO:

Conduct a full manual review of the deposits and the attached Uber documentation.
Identify the specific transactions that were allegedly unauthorized, including the dates and amounts.
Confirm what information or report led to the determination that these deposits were unauthorized.
Review the attached evidence demonstrating that the funds originated from my legitimate Uber delivery earnings.
Reconsider the permanent closure of my KOHO account based on the evidence provided.
If KOHO maintains its decision, provide me with a clear explanation of the basis for that decision and confirmation of exactly what funds will be returned to me.
I also ask that you ensure that all legitimate funds currently associated with my account are accounted for and returned withing 24hours

KOHO IS ONE OF THE WORST FINANCIAL INSTITUTIONS
How can you close a customer account without verification of where the funds is coming from
A legitimate transaction for that cause

KOHO is very user-friendly. Transferring from one KOHO account to another is very seamless