KOHO: Mobile Bank Alternative

🇺🇸 United States
Koho Financial Inc.  | 
51
ASO score
Text
53/100
Reviews
0/100
Graphic
100/100
Other
0/100
rating
App Rating
4.8
rating
Votes
101.1K
rating
App Age
9y 10m
rating
Last Update
Jan 06, 2026

Compare with Category Top Apps

Metrics
Current App
Category Top Average
Difference
Rating
4.8
4.6
+4%
Number of Ratings (Voted)
82.1K
137.8K
-40%
App Age
9y 10m
7y 6m
+30%
In-app Purchases Price
$0
$145
Update Frequency
14d
46d
-70%
Title Length
29
25
+16%
Subtitle Length
29
26
+12%
Description Length
3 204
2 754
+16%
Number of Screenshots
26
1295
-98 %
Size
208MB
126MB
+65 %

Category Ranking in United States

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Top Jan 05, 2026 Jan 12, 2026
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Top Jan 05, 2026 Jan 12, 2026
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Top Jan 05, 2026 Jan 12, 2026
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Top Jan 05, 2026 Jan 12, 2026
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Ranking Keywords in United States

Keywords App Rank
Illustration
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Text ASO

Title (
Characters: 29 of 30
)
KOHO: Mobile Bank Alternative
Subtitle (
Characters: 29 of 30
)
Cash back, spending & savings
Description (
Characters: 3204 of 4000
)
KOHO is a free, no-fee spending and savings account that’s changing the way Canadians do money. Like all good things, KOHO comes in threes. First, it starts with this very app that’s designed to help you budget your finances like a pro. It’s connected to your account, where you can earn 1.2% interest* on your entire balance. Finally, we have our reloadable prepaid credit card. It works like a debit, except you get to make at least 0.5% cash back on every purchase. Make instant cash back Get 0.5% cash back on every purchase with our standard free account. Want a little more? Try KOHO Premium for $9/month or $84/year to earn 2% cash back on eating and drinking, groceries, and transportation. No fees Banks love to charge fees (the average Canadian spends $159 a year in bank fees!). We say, enough with this BS — bank stuff, that is. At KOHO, proudly not a bank, we’ll never charge you fees for overdrafts, e-Transfers, ATM withdrawals, or non-sufficient funds. Build your credit history, unlock opportunities Whip your credit history into shape with Credit Building. Get a line of credit, repay it on time, build your credit history. Unlock future financial opportunities. Credit scores provided by a major credit bureau. Earn 1.2% interest on everything Yes, we mean everything! From your Spendable to your savings, you can earn 1.2% interest* (that’s 2x the national average) on your entire account by setting up Direct Deposit. Spend smarter, save faster Real-time balance notifications and spending insights level up your budgeting game. In fact, the average KOHO user saves 7% of the money they put into their account each month. Start spending in minutes Signing up is easy and fast — we’re talking 5 minutes, zero credit checks. Plus, you’ll get a virtual prepaid credit card immediately upon registration. That means you can start online shopping and earning cash back in minutes; no need to wait for your physical card to arrive in the mail. Do it all with KOHO While KOHO isn’t your average personal finances platform, it can fulfill all your money needs. Pay bills, send Interac e-Transfers, and even set up Direct Deposit with your employer to have your paycheque (or part of it) automatically loaded to your account. Keep your money safe KOHO is trusted by over 500,000 Canadians and backed by the country’s leading investors. Your money is held securely by our partner Peoples Trust, a federally regulated financial institution. You can also lock your card in-app anytime, and are also protected from unauthorized use under a Zero Liability policy. Take the driver’s seat We’re building KOHO for our users, so our continuous growth is grounded in the feedback we get from you! Reach out to us in-app if you have ideas for improvement. Love KOHO the way it is? Spread the word and refer a friend — we’ll reward you and your pal with $20 every time you refer. Featured in NASDAQ, Bloomberg, The Globe and Mail, CBC, Toronto Life, Yahoo Finance, and Financial Post. KOHO is a Fintech company, not a bank. KOHO partners with a variety of banks to deliver our product. *Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice.}
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Visual ASO

Screenshots

Rating & Reviews

Reviews Overview
🧐 Coming Soon…
Rating
4.8
101 096 voters

Some Latest Reviews

LaiteSearch
25 Dec, 2025
5
KOHO has comprehensive plans that you can choose. One year as a customer and I’ve never had any issues. We’ve travelled internationally and used the card without any hiccups.
Glow1981
25 Dec, 2025
2
Love the options and features of the account itself. Haven’t been able to use my card at point of sales purchases for years. Cannot access one person for help. Still not able to use my card. Customer service I’m very dissatisfied with.
Barbie Glo
25 Dec, 2025
5
Thanks Koho! OZU63XA1 use my referral code to get a free 20$, just transfer 50$ into Koho and you will get it instant
Trainerbra
25 Dec, 2025
5
I was recommended to Koho from a friend. She couldn’t stop raving about them. Now I understand why, not only has my credit gone way up, but I’ve got lots of cash back just for spending money I would of spent anyways. But the part I can’t stop raving about now is the credit building. It’s really amazing how they use your own money to help build your credit. If I were you, I’d open an account. I watched all the videos they have available on the app just so I could understand everything better cause they really explain quickly and easily.
Pam meek
24 Dec, 2025
5
I give them a very high review for a business that doesn’t have any branches. It would be nice if there was a branch that you can go into though and cash a check or talk to her tell her one on one other than that they’ve been very great to me. I’ve been with him for 10 years and they are very good at coaching and managing money and getting your credit score up I went for a $400 credit score I’m up to 975 now in a matter of like four years, so if you’re trying to look for a make online koho, the one.
cuddlesxdxmelio
24 Dec, 2025
5
It’s an amazing banking app and is improving all the time
Seub89
23 Dec, 2025
5
. This is a real people bank. Security +++ easy to use . had fraudulent people using my old device to pay for expensive subscription in 1 day i had refund and new card sent. They don’t let user alone ty koho nice service
Msl 24
23 Dec, 2025
1
Good app but if anything happens to your savings Koho will give up and not help with anything with is not the case any other bank
bemoe698
23 Dec, 2025
4
Really wish you could put cash into your account and talk to a real person for every little thing besides that’s I enjoy this account

Other

Additional Information
Rating:
4.8
Voted: 101.1K
App Store Link:
Website:
Email: -
Privacy Policy:
Categories: Finance
Size: 208MB
App Age: 9 years 10 months
Release Date: Mar 10, 2016
Last Update: Jan 06, 2026
Version: 3.11.1
Version history
3.11.1
Jan 06, 2026
- We’ve improved the Cover experience and made it smoother for recurring subscribers. KOHO’s got you covered! - Coming soon: cybersecurity monitoring powered by CyberScout. Stay safe from online threats & protect your personal information.
3.11.0
Dec 15, 2025
- We’ve improved the Cover experience and made it smoother for recurring subscribers. KOHO’s got you covered! - Coming soon: cybersecurity monitoring powered by CyberScout. Stay safe from online threats & protect your personal information.
Version history