{"id":360139,"date":"2025-08-24T06:30:00","date_gmt":"2025-08-24T10:30:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=360139"},"modified":"2026-05-08T16:33:43","modified_gmt":"2026-05-08T16:33:43","slug":"newcomers-koho-account","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/news\/newcomers-koho-account\/","title":{"rendered":"Newcomers: simplify your life with a KOHO account"},"content":{"rendered":"\n<p>Moving to Canada comes with its own set of challenges, including opening a bank account. <a target=\"_blank\" title=\"KOHO\" href=\"\/go\/koho\/\" rel=\"noindex\">KOHO<\/a> offers a simple and flexible solution, specially designed for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/newcomers-to-canada\/\">newcomers<\/a>. Through its mobile application, KOHO offers a cash-back account, a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/prepaid-mastercard-koho-essential\/\">prepaid Mastercard<\/a>, an <a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-exclusive-offer-get-koho-everything-plan-free-for-2-months\">Exclusive offer: Get KOHO Everything Plan free for 2 months<\/h2>\n\n\n\n\n\n<p>With this new exclusive offer for new clients, get the <a target=\"_blank\" title=\"KOHO Extra Mastercard Prepaid Card\" href=\"\/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\n\n\n<p>The KOHO Everything plan allows you to obtain, among other things, travel benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>No FX fees;<\/li>\n\n\n\n<li>Free eSIM (3GB\/month)&nbsp;;<\/li>\n\n\n\n<li>Travel Insurance.<\/li>\n<\/ul><\/div>\n\n\n\n<p>But also, everyday benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>2% cash back on groceries, eating &amp; drinking, and transportation;<\/li>\n\n\n\n<li>0.5% cash back on all other purchases;<\/li>\n\n\n\n<li>4% interest on your entire balance (eligible for CDIC protection up to $100,000)&nbsp;;<\/li>\n\n\n\n<li>Up to 6.5% extra cash back at selected merchants.<\/li>\n<\/ul><\/div>\n\n\n\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\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Credit Building for just $5 \/ month (to build your credit history);<\/li>\n\n\n\n<li>Instant e-Transfers;<\/li>\n\n\n\n<li>Unlimited Transactions;<\/li>\n\n\n\n<li>Save with features like RoundUps and Savings Goals.<\/li>\n<\/ul><\/div>\n\n\n\n<p>Take advantage of this offer today!<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-koho-open-a-spend-and-save-account\">KOHO &#8211; Open a Spend and Save account<\/h2>\n\n\n\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\n\n\n<p>How do you find your way through all the offers from financial institutions dedicated to <a href=\"https:\/\/mp-2702.milesopedia.dev\/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:\/\/mp-2702.milesopedia.dev\/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:\/\/mp-2702.milesopedia.dev\/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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<p>Before revealing the advantages of this card, it is essential to know the particularities of Canadian cards:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\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\n\n\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><\/div>\n\n\n\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\n\n\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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-koho-choose-a-plan-to-suit-your-needs\">KOHO &#8211; Choose a plan to suit your needs<\/h2>\n\n\n\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\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1218\" height=\"655\" data-id=\"455707\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en.png\" alt=\"Newcomers: simplify your life with a KOHO account - koho 1\" class=\"wp-image-455707\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en.png 1218w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en-450x242.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en-1024x551.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en-200x108.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en-768x413.png 768w\" sizes=\"(max-width: 1218px) 100vw, 1218px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1218\" height=\"655\" data-id=\"455709\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-3-en.png\" alt=\"Newcomers: simplify your life with a KOHO account - koho 3\" class=\"wp-image-455709\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-3-en.png 1218w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-3-en-450x242.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-3-en-1024x551.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-3-en-200x108.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-3-en-768x413.png 768w\" sizes=\"(max-width: 1218px) 100vw, 1218px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1218\" height=\"655\" data-id=\"455711\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-2-en.png\" alt=\"Newcomers: simplify your life with a KOHO account - koho 2\" class=\"wp-image-455711\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-2-en.png 1218w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-2-en-450x242.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-2-en-1024x551.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-2-en-200x108.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-2-en-768x413.png 768w\" sizes=\"(max-width: 1218px) 100vw, 1218px\" \/><\/figure>\n\n<\/figure>\n\n\n\n<p>Discover the KOHO plans by clicking on the plan names below:<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-koho-prepaid-mastercard-essential-plan\">KOHO Prepaid Mastercard<sup>&reg;<\/sup> Essential Plan<\/h3>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-koho-prepaid-mastercard-extra-plan\">KOHO Prepaid Mastercard Extra Plan<\/h3>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-koho-prepaid-mastercard-everything-plan\">KOHO Prepaid Mastercard<sup>&reg;<\/sup> Everything Plan<\/h3>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-koho-building-a-credit-history\">KOHO &#8211; Building a credit history<\/h2>\n\n\n\n<p>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\n\n\n<p>Who can view your credit file? A person or company may ask to see your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\">credit file<\/a>, with your consent. Applicants include&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>A financial institution for a loan&nbsp;;<\/li>\n\n\n\n<li>A landlord for a rental property;<\/li>\n\n\n\n<li>An employer for hiring formalities.<\/li>\n<\/ul><\/div>\n\n\n\n<p>A score is assigned to you based on your repayment habits. This is called the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit score<\/a> and ranges from 300 to 900.<\/p>\n\n\n\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\n\n\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:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/good-credit-score-canada\/\">good credit history<\/a> and be visible on the Canadian credit scene.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-building-program\">Credit Building Program<\/h3>\n\n\n\n<p>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\n\n\n<p>Each month, you&#8217;ll make payments to this account. KOHO, in turn, will report your payments to <a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n\n<p>With the credit building program, you also have access to a financial coach and your credit file.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2316\" height=\"764\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.24.jpeg\" alt=\"Newcomers: simplify your life with a KOHO account - KOHO\" class=\"wp-image-460510\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.24.jpeg 2316w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.24-450x148.jpeg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.24-1024x338.jpeg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.24-200x66.jpeg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.24-768x253.jpeg 768w\" sizes=\"(max-width: 2316px) 100vw, 2316px\" \/><\/figure>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-koho-save-and-earn-interest\">KOHO &#8211; Save and earn interest<\/h2>\n\n\n\n<p>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\n\n\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\n\n\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\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1218\" height=\"655\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en.png\" alt=\"Newcomers: simplify your life with a KOHO account - koho 1\" class=\"wp-image-455707\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en.png 1218w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en-450x242.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en-1024x551.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en-200x108.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/07\/koho-1-en-768x413.png 768w\" sizes=\"(max-width: 1218px) 100vw, 1218px\" \/><\/figure>\n\n\n\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\n\n\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\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"2316\" height=\"1024\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.49.jpeg\" alt=\"Newcomers: simplify your life with a KOHO account - KOHO\" class=\"wp-image-460526\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.49.jpeg 2316w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.49-450x199.jpeg 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.49-1024x453.jpeg 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.49-200x88.jpeg 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/08\/Image-2025-08-21-a-12.49-768x340.jpeg 768w\" sizes=\"(max-width: 2316px) 100vw, 2316px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-koho-get-cash-back\">KOHO &#8211; Get cash back<\/h2>\n\n\n\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\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Plan<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Cash back<\/strong><\/td><\/tr><\/thead><tbody><tr style=\"height: 24px\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Essential<\/strong><\/td><td class=\"has-text-align-center\" data-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><\/tr><tr style=\"height: 24px\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Extra<\/strong><\/td><td class=\"has-text-align-center\" data-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><\/tr><tr style=\"height: 24px\"><td class=\"has-text-align-center\" data-align=\"center\"><strong>Everything<\/strong><\/td><td class=\"has-text-align-center\" data-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><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\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\n\n\n<h2 class=\"wp-block-heading\" id=\"h-koho-send-an-international-money-transfer\">KOHO &#8211; Send an international money transfer<\/h2>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n\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\n\n\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\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p><a target=\"_blank\" title=\"KOHO\" href=\"\/go\/koho\/\" rel=\"noindex\">KOHO<\/a> is an excellent option for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/newcomers-to-canada\/\">newcomers to Canada<\/a> who want to manage their money easily, with no hidden fees.<\/p>\n\n\n\n<p>With a cash-back account, a <a href=\"https:\/\/mp-2702.milesopedia.dev\/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\n\n\n<p>Opening an account takes just a few minutes. It&#8217;s a simple first step to a successful start in Canada.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\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\">\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<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_deposit_money_into_my_koho_account_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I deposit money into my KOHO account?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can deposit money into your KOHO account by electronic transfer and automatic deposit.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_join_koho_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I join KOHO?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To access KOHO services, simply opt for one of the KOHO plans: essential, extra or everything.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_koho_a_good_service_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs KOHO a good service?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>It takes less than five minutes, with automatic approval, to open a KOHO account. The account offers a free, rechargeable prepaid card and an integrated mobile application.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_i_close_my_koho_account_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do I close my KOHO account?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You will need to open a chat session to request an account closure.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Find out about KOHO, an account designed for newcomers to Canada, with prepaid Mastercard, cash back and international transfers.<\/p>","protected":false},"author":2488,"featured_media":413649,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[576],"tags":[],"mc_loyalty_program":[],"class_list":["post-360139","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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