Search
Search for an ETF or holding
Loading...
KO
KOHO
Budget App
Canadian spending and savings account with prepaid Mastercard. Offers cashback, savings interest and built-in budgeting tools. No bank connector needed — it IS the account.
KOHO is a unique product on this list: it's not just a budget app, it's a spending and savings account with a prepaid Mastercard. No need to connect your bank accounts — KOHO *is* the account.
The app offers cashback on your purchases (up to 2% on groceries, transit and dining) and interest on your savings (up to 3.5% with the Everything plan). Budgeting is basic but functional — you see your spending auto-categorized.
KOHO is one of the few apps on this list to offer a French interface. It's also the most popular in Canada with over 80,000 App Store ratings. The Essential plan is free (annual fee of $48 waived with direct deposit).
Compare
KO
General
CA Banks
French
Canadian
Features
Auto-categorization
Manual entry
Net worth
Investments
Couple sharing
Multi-currency
CSV import
Forecasting
Credit building
Pros & Cons
Free plan (Essential)
Up to 2% cashback
Up to 3.5% savings interest
French app available
100% Canadian
No net worth tracking
Prepaid card (not credit)
Basic budgeting