We exist so you can travel more, retire sooner, and live a more balanced life.
A reloadable card and app with real-time insights into your spending and saving.
No fees. Instant Updates. Real humans answering your questions.
As a user you earn instant 0.5% cash back on all purchases, and benefit from one of the lowest foreign transaction fees in the industry —1.5%— when you travel.
With KOHO you can set a savings goal and then let us automate your daily contributions. We’ve also introduced RoundUps so that with every purchase you can choose to round-up to the nearest $1, $5, or $10 and save bit by bit without needing to think about it!
Using KOHO doesn’t affect your credit score, and your money is held by Peoples Trust, a federally recognized financial institution.
KOHO doesn’t make money off you, we make money on the interchange fees that merchants are already paying. By showing you instantly where your money is going, KOHO helps you take control of it (without skimming any off the top).
Sign up in minutes and receive a new KOHO Visa card within 10 days.
We have the sweetest user support team in the world (probably). Reach out to us in-app or by email at [email protected]
*** Featured in NASDAQ, The Globe and Mail, CBC, TechCrunch, and Financial Post
*** Featured as Apple’s ‘New Apps we Love’ in March 2017
*** KOHO users have been able to reduce monthly spending by 15% and save an average of $550 in 3 weeks
Spread the Love and invite up to 50 friends to join KOHO. When you do, you can earn a ton in referral bonuses. Just tap the little gift box on the top right of your KOHO app to invite your nearest + dearest.
For each friend you refer to KOHO, you can both get a bonus up to $60:
*Note the first purchase must be made within 30 days of using the referral code
As you might already know, we have some real sweethearts working in User Support, so if you have questions just reach out via in-app chat!
Many businesses introduce a referral system with the main goal of increasing the number of customers. For example, if you are joining a gym for the first time they might offer you a free month as a new customer if you refer a friend to that particular gym. In addition, the client (or 'affiliate') might also get an extra bonus, for example a trial week.
As you can see, it's a 'win-win' situation for both parties; one is getting a free month and the other one a trial week. What happens, in reality, is that often, you can't invite a friend, because you don't have any friends interested in this particular referral business. Moreover, companies regularly offer better services or lower prices to affiliates who bring them referrals. And of course you want to take advantage of all these additional benefits.
What if you can actually do something about it? Wouldn't it be great if you could find a place where people like you share referrals? The good news is that there is already a platform that solves these problems.
Share Referrals is a website that lets people post referrals so those who are looking to be referred can find them in just a few easy steps. Both parties benefit and the process is quick and seamless. You don't even need to register an account, just fill in the form, and you are ready to go. The site is used by millions of people so you can be sure to obtain the bonus associated with the 'Refer a friend service' in a very short time
Furthermore, if you know that you will get something for free not only as a new customer, but also if a friend recommended you to that business, wouldn't you ask your friends if they are already customers of that business? At Share Referrals you can view referrals from other people, and it is highly likely that there is someone who posted about the same business that you are looking for. If you can get any additional benefits or bonuses from the Refer a Friend service, but you don't have a close friend who is interested in that particular service, just go to the Share Referrals website and you will surely find what you are looking for.