{"id":360139,"date":"2025-08-24T06:30:00","date_gmt":"2025-08-24T10:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=360139"},"modified":"2025-08-24T10:39:11","modified_gmt":"2025-08-24T14:39:11","slug":"newcomers-koho-account","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/news\/newcomers-koho-account\/","title":{"rendered":"Newcomers: simplify your life with a KOHO account"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Moving to Canada comes with its own set of challenges, including opening a bank account. <a title=\"KOHO\" href=\"https:\/\/milesopedia.com\/en\/go\/koho\/\" rel=\"noindex\">KOHO<\/a> offers a simple and flexible solution, specially designed for <a href=\"https:\/\/milesopedia.com\/en\/newcomers-to-canada\/\">newcomers<\/a>. Through its mobile application, KOHO offers a cash-back account, a <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/prepaid-mastercard-koho-essential\/\">prepaid Mastercard<\/a>, an <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/koho-international-money-transfer\/\">international money transfer<\/a> service and even a credit-building tool. In this article, find out how KOHO can help you get off to a good start in Canada.  <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"452239,117070\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Exclusive offer: Get KOHO Everything Plan free for 2 months&#8221; css=&#8221;&#8221; el_id=&#8221;exclusive_offer_get_koho_everything_plan_free_for_2_months&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With this new exclusive offer for new clients, get the <a title=\"KOHO Extra Mastercard Prepaid Card\" href=\"https:\/\/milesopedia.com\/en\/go\/koho-premium-visa-prepaid-card\/\" rel=\"noindex\">KOHO Everything Plan<\/a> free of charge for 2 months. Enter the code &#8220;EARNKOHO&#8221; when you apply. <\/p>\n<p>The KOHO Everything plan allows you to obtain, among other things, travel benefits:<\/p>\n<ul>\n<li>No FX fees;<\/li>\n<li>Free eSIM (3GB\/month)&nbsp;;<\/li>\n<li>Travel Insurance.<\/li>\n<\/ul>\n<p>But also, everyday benefits:<\/p>\n<ul>\n<li>2% cash back on groceries, eating &amp; drinking, and transportation;<\/li>\n<li>0.5% cash back on all other purchases;<\/li>\n<li>4% interest on your entire balance (eligible for CDIC protection up to $100,000)&nbsp;;<\/li>\n<li>Up to 6.5% extra cash back at selected merchants.<\/li>\n<\/ul>\n<p>And that&#8217;s not all. The Everything Plan allows you to take advantage of the full potential of your KOHO account, with other benefits such as&nbsp;: <\/p>\n<ul>\n<li>Credit Building for just $5 \/ month (to build your credit history);<\/li>\n<li>Instant e-Transfers;<\/li>\n<li>Unlimited Transactions;<\/li>\n<li>Save with features like RoundUps and Savings Goals.<\/li>\n<\/ul>\n<p>Take advantage of this offer today!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"371882\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO &#8211; Open a Spend and Save account&#8221; css=&#8221;&#8221; el_id=&#8221;koho_-_open_a_spend_and_save_account&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>When you arrive in Canada, you&#8217;ll need to open a debit account with a payment card, so you can safely deposit your money and carry out all kinds of transactions, such as paying bills. This will also enable you to avoid using your expensive foreign payment card.<\/p>\n<p>How do you find your way through all the offers from financial institutions dedicated to <a href=\"https:\/\/milesopedia.com\/en\/newcomers-to-canada\/\">newcomers<\/a>? Look no further, we&#8217;ve got the solution to make your life easier! In 2024, Milesopedia awarded the prize for &#8220;<a href=\"https:\/\/milesopedia.com\/en\/news\/finance\/2024-credit-card-awards-winners\/#meilleure_carte_pour_les_nouveaux_arrivants\">Best Card for Newcomers<\/a>&#8221; to the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/prepaid-mastercard-koho-essential\/\">KOHO Essential Prepaid Mastercard<sup><sup>&reg;<\/sup><\/sup><\/a>, which is linked to a budgeting application.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"348983\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Before revealing the advantages of this card, it is essential to know the particularities of Canadian cards:<\/p>\n<ul>\n<li><strong>Debit card<\/strong>: linked to your bank account. It allows you to pay for purchases in most shops and withdraw cash from ATMs. Your expenses are deducted directly from your bank account;<\/li>\n<li><strong>Credit card<\/strong>: not linked to your bank account. It gives you the opportunity to pay for goods and services, by taking advantage of a cash advance from a financial institution or business. So you&#8217;ll need to pay them back quickly, or risk paying high interest charges.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<p>The KOHO application is smart: it takes just a few minutes to open a spending and savings account, with automatic approval, linked to this card.<\/p>\n<p>You&#8217;ll even have proof of Canadian address, with printable bank statements. Any questions? Customer support is available 24 hours a day, 7 days a week.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO &#8211; Choose a plan to suit your needs&#8221; css=&#8221;&#8221; el_id=&#8221;koho_-_choose_a_plan_to_suit_your_needs&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>KOHO plans start at $0 per month and include a 30-day free trial to see if it&#8217;s right for you.<\/p>\n<p>[\/vc_column_text][vc_gallery interval=&#8221;0&#8243; images=&#8221;455707,455709,455711&#8243; img_size=&#8221;large&#8221; onclick=&#8221;&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Discover the KOHO plans by clicking on the plan names below:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"117031,117023,371882\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO Prepaid Mastercard<sup>&reg;<\/sup> Essential Plan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;koho_prepaid_mastercard_essential_plan&#8221;]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"117023\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><p><span style=\"font-size: 12pt\"><strong>Special Offer: <\/strong><\/span><\/p>\n<ul>\n<li>Enter the code <strong>MILESOPEDIA<\/strong> when you apply for your card<\/li>\n<li><strong>Get $20 when you open a KOHO account<\/strong> and make your first purchase within 30 days of signing up.<\/li>\n<\/ul>\n<p>The features of the <strong>KOHO Prepaid Mastercard with the Essential Plan <\/strong>are as follows:<\/p>\n<ul>\n<li>Earn 1% cash back on on groceries, eating &#038; drinking, and transportation<\/li>\n<li>Accepted at Costco<\/li>\n<li>Get 2% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.<\/li>\n<li>Automate your savings with Goals and RoundUps. Rounding off every purchase allows you to set aside savings, while goals make it easier to save for the things that make you happy.<\/li>\n<li>Lock in savings with Vault that keeps the funds you don\u2019t want to spend separate from your spendable balance<\/li>\n<li>Create custom budgets and track your spending habits. Know where you&rsquo;re at in real time with instant notifications every time you spend.<\/li>\n<li>Strengthen your credit rating with our 6-month Credit Enhancement Program for only $10\/month<\/li>\n<li>Get access to a cash advance of up to $250 at 0% interest with KOHO Cover<\/li>\n<\/ul>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO Prepaid Mastercard Extra Plan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;koho_prepaid_mastercard_extra_plan&#8221;]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"117031\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><p class=\"p1\"><b>Special offer:<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Enter the code <b>KOHOMILES<\/b> when applying for your card.<\/li>\n<li class=\"li1\"><b>Get 3 months of Extra Plan for free<\/b> ($18 off per month) and <b>$20 cash back<\/b><\/li>\n<\/ul>\n<p class=\"p1\">The <b>KOHO Prepaid Mastercard with Extra Plan<\/b> (formerly KOHO Premium Prepaid Mastercard) gives you more cash back:<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">1.5% on food, drinks, groceries, and transportation<\/li>\n<li class=\"li1\">0.25% on all other purchases<\/li>\n<li class=\"li1\">Up to 5% cash back at selected partner merchants<\/li>\n<\/ul>\n<p class=\"p1\">Your funds earn <b>2.5% interest<\/b> (calculated daily, paid monthly) and are protected by CDIC. The card is also accepted at <b>Costco<\/b>.<\/p>\n<p class=\"p1\">For your travels, take advantage of <b>zero FX fees<\/b> on foreign purchases.<\/p>\n<p class=\"p1\">Choose between two payment options for the <b>Extra Plan<\/b>:<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">$18\/month, billed monthly<\/li>\n<li class=\"li1\">$144\/year, billed annually (equivalent to $12\/month)<\/li>\n<\/ul>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO Prepaid Mastercard<sup>&reg;<\/sup> Everything Plan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;koho_prepaid_mastercard_everything_plan&#8221;]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"371882\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><p><span style=\"font-size: 12pt\"><strong>Special offer: <\/strong><\/span><\/p>\n<ul>\n<li>Enter the code <strong>EARNKOHO<\/strong> when applying for your card.<\/li>\n<li>Get 2 months of the <b>Everything Pla<\/b><strong>n<\/strong> for free<\/li>\n<\/ul>\n<p>The <strong>KOHO Prepaid Mastercard with Everything Plan<\/strong> gives you more <strong>cash back<\/strong>:<\/p>\n<ul>\n<li>2% on food, beverages and bills<\/li>\n<li>0.5% on all other purchases<\/li>\n<li>Up to 5% cash back at selected partner merchants<\/li>\n<\/ul>\n<p>Your funds earn <strong>3.5% interest<\/strong> (calculated daily, paid monthly) and are protected by CDIC. The card is also accepted at <strong>Costco<\/strong>.<\/p>\n<p>For your travels, enjoy <strong>zero conversion charges on foreign purchases<\/strong> and one free withdrawal per month from international ATMs.<\/p>\n<p>Choose between two payment options for the Everything Plan:<\/p>\n<ul>\n<li>$22\/month, billed monthly<\/li>\n<li>$177\/year, billed annually (equivalent to $14.75\/month)<\/li>\n<\/ul>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO &#8211; Building a credit history&#8221; css=&#8221;&#8221; el_id=&#8221;koho_-_building_a_credit_history&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Credit history is essential in Canada. Simply put, it reflects your financial health, and shows how well you&#8217;re managing your money and paying off your debts on time.<\/p>\n<p>Who can view your credit file? A person or company may ask to see your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\">credit file<\/a>, with your consent. Applicants include&nbsp;:<\/p>\n<ul>\n<li>A financial institution for a loan&nbsp;;<\/li>\n<li>A landlord for a rental property;<\/li>\n<li>An employer for hiring formalities.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">A score is assigned to you based on your repayment habits. This is called the <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit score<\/a> and ranges from 300 to 900.<\/p>\n<p>The lower your score, the more difficult it will be to access credit, whether it&#8217;s a loan or a service that requires a credit report check.<\/p>\n<p>As a newcomer, the financial history of your country of origin is not accessible. That&#8217;s why it&#8217;s so important to build a <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/good-credit-score-canada\/\">good credit history<\/a> and be visible on the Canadian credit scene.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"86318,210569\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Building Program&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;credit_building_program&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">How can KOHO help you? With KOHO&#8217;s <a target=\"_blank\" href=\"https:\/\/www.koho.ca\/fr\/credit-building\/\">Credit Building<\/a> program, you can gradually build up your credit history. As soon as you register, you&#8217;ll receive a credit line that will appear in your credit file.<\/p>\n<p>Each month, you&#8217;ll make payments to this account. KOHO, in turn, will report your payments to <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\">Equifax<\/a>, one of Canada&#8217;s major credit bureaus. This way, you can improve your credit rating.  <\/p>\n<p>With the credit building program, you also have access to a financial coach and your credit file.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;460510&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"63994\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO &#8211; Save and earn interest&#8221; css=&#8221;&#8221; el_id=&#8221;koho_-_save_and_earn_interest&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">It&#8217;s a wise decision to set aside money for your projects or to deal with unforeseen events as soon as you arrive in the country.<\/p>\n<p>Depending on the plan you choose, you&#8217;ll earn up to <span class=\"nowrap\">4%<\/span> interest with a KOHO High Interest Savings Account. That&#8217;s one of the best interest rates in Canada! Plus, there are no minimum balances or promotional rates. Interest is calculated daily on your entire balance and paid monthly.   <\/p>\n<p>The money deposited in the savings account is not locked in; you can use it as you need it. In addition to being eligible for <a target=\"_blank\" href=\"https:\/\/www.cdic.ca\/\">CDIC<\/a> protection up to $100,000. <\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;455707&#8243; img_size=&#8221;large&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>There&#8217;s another savings feature you&#8217;ll love: <a target=\"_blank\" href=\"https:\/\/help.koho.ca\/fr\/articles\/2030298-le-programme-montants-arrondis-qu-est-ce-que-c-est\">RoundUps<\/a>. When you make a purchase with your KOHO card, the amount is rounded up to the nearest <span class=\"nowrap\">$1<\/span>, <span class=\"nowrap\">$2<\/span>, <span class=\"nowrap\">$5<\/span> or <span class=\"nowrap\">$10<\/span> (the choice is yours). The extra change goes into your savings account.  <\/p>\n<p>For example, if your purchase is $3 and you&#8217;ve chosen $5 as the rounding amount, KOHO will save you $2.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;460526&#8243; img_size=&#8221;large&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO &#8211; Get cash back&#8221; css=&#8221;&#8221; el_id=&#8221;koho_-_get_cash_back&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>KOHO also offers a cash back program on your everyday purchases, the percentage of which varies according to the plan chosen:<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"border-collapse: collapse;width: 100%;height: 120px\">\n<thead>\n<tr style=\"height: 24px\">\n<td style=\"width: 19.6181%;height: 24px;text-align: center\"><strong>Plan<\/strong><\/td>\n<td style=\"width: 80.382%;height: 24px;text-align: center\"><strong>Cash back<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px\">\n<td style=\"width: 19.6181%;height: 24px;text-align: center\"><strong>Essential<\/strong><\/td>\n<td style=\"width: 80.382%;height: 24px;text-align: center\"><span class=\"nowrap\">1%<\/span> unlimited cash back on groceries, transportation, food and drinks.<br \/><span class=\"nowrap\">0%<\/span> unlimited cash back on everything else.<\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 19.6181%;height: 24px;text-align: center\"><strong>Extra<\/strong><\/td>\n<td style=\"width: 80.382%;height: 24px;text-align: center\"><span class=\"nowrap\">1.5%<\/span> unlimited cash back on groceries, transportation, food and drinks.<br \/><span class=\"nowrap\">0.25%<\/span> unlimited cash back on everything else.<\/td>\n<\/tr>\n<tr style=\"height: 24px\">\n<td style=\"width: 19.6181%;height: 24px;text-align: center\"><strong>Everything<\/strong><\/td>\n<td style=\"width: 80.382%;height: 24px;text-align: center\"><span class=\"nowrap\">2%<\/span> unlimited cash back on groceries, transportation, food and drinks.<br \/><span class=\"nowrap\">0.5%<\/span> unlimited cash back on everything else.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>You could also earn an additional <span class=\"nowrap\">6.5%<\/span> cash back at <a target=\"_blank\" href=\"https:\/\/www.koho.ca\/fr\/powerups\/\">selected KOHO retail partners<\/a> via the app.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;KOHO &#8211; Send an international money transfer&#8221; css=&#8221;&#8221; el_id=&#8221;koho_-_send_an_international_money_transfer&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/koho-international-money-transfer\/\">KOHO&#8217;s international money transfer<\/a> service lets you easily send money to recipients abroad, without having to visit a bank branch or Western Union office.<\/p>\n<p>With this feature, you simply use the Canadian dollars you have in your KOHO account, convert them into one or more foreign currencies, then deposit them into the recipient&#8217;s bank account, wherever they may be in the world.<\/p>\n<p>As a KOHO customer, you can send money via an international money transfer with no hidden fees and some of the best exchange rates on the market.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"452239\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-start=\"161\" data-end=\"302\"><a title=\"KOHO\" href=\"https:\/\/milesopedia.com\/en\/go\/koho\/\" rel=\"noindex\">KOHO<\/a> is an excellent option for <a href=\"https:\/\/milesopedia.com\/en\/newcomers-to-canada\/\">newcomers to Canada<\/a> who want to manage their money easily, with no hidden fees.<\/p>\n<p data-start=\"304\" data-end=\"483\">With a cash-back account, a <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/prepaid-mastercard-koho-essential\/\">prepaid Mastercard<\/a>, practical financial tools and a user-friendly mobile app, KOHO simplifies your day-to-day life from the moment you arrive.<\/p>\n<p data-start=\"485\" data-end=\"621\" data-is-last-node=\"\" data-is-only-node=\"\">Opening an account takes just a few minutes. 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