KOHO

Koho's virtual card offers instant approval with no credit checks. It works solely through your phone, available for online and in-store shopping via Google, Apple, or Samsung Pay. The virtual card can be used immediately after loading funds, and you can manage subscriptions and recurring payments with ease. It is secure, allowing you to lock and unlock the card through the app for added protection.

KOHO's privacy policy describes how the company collects personal information such as contact details, transaction history, and usage data to provide its services and comply with legal requirements. It explains how data may be shared with trusted third-party service providers, though it states that personal information is not sold. The policy outlines users' rights to access, correct, or delete their personal data, and describes security measures including encryption.

Email KOHO customer service at support@koho.ca or call (855) 564-6999.

KOHO's live chat is available 7 days a week, 24 hours a day. Phone support is available 7 days a week; specific hours were not confirmed at time of research. Email response times are 1 to 5 business days.

Email KOHO customer service at support@koho.ca.

KOHO may freeze or close an account under its fair use policy, often triggered by unusual account activity. If your account is frozen, KOHO typically requests identity verification documents via the in-app chat or at support@koho.ca. If your account has been permanently closed, KOHO states that any funds on hold will be released after 45 days; contact support@koho.ca to request your funds after that period. If you believe the closure was in error, you can file a complaint through KOHO's formal complaints process at koho.ca/legal/.

Contact KOHO through the in-app chat or at support@koho.ca to request a replacement card. Ask for express shipping and confirm that KOHO has your correct mailing address on file. You can also request a tracking number once the card has been shipped. If multiple delivery attempts have failed, ask KOHO to investigate with Canada Post. A virtual KOHO card is available for use through the app or with mobile wallets while you wait for a physical replacement.

KOHO's cardholder agreement states that the dispute team's decision is final. However, if you believe the process was not followed correctly, you can submit a formal complaint through KOHO's Customer Complaints Policy at koho.ca/legal/. If the complaint is unresolved, you may escalate to the Ombudsman for Banking Services and Investments (OBSI), which handles complaints against Canadian financial services firms.

KOHO's Credit Building feature charges a monthly fee (currently $10/month) and requires an explicit opt-in. If you see an unexpected charge, check your KOHO app under My Plan or Features. Contact KOHO at support@koho.ca or via in-app chat to request a review and, if applicable, a refund of the fees. KOHO has issued goodwill credits in similar cases.

KOHO is not itself a member of the Canada Deposit Insurance Corporation (CDIC). However, if you have opted in to KOHO's Earn Interest feature, your balance is held in trust with one or more CDIC-member institutions, providing deposit protection up to $100,000 per beneficiary per institution. KOHO accounts that are not earning interest are not eligible for CDIC protection. Koho is also a registered Payment Service Provider with the Bank of Canada under the Retail Payment Activities Act.

The more accurate characterisation is simply that KOHO is actively pursuing a Schedule 1 banking licence and, as of May 2026, considers approval imminent.