KOHO Visa Card Review & Referral Code!
Iβm Mark, and I nerd out on personal finances π€ I spend my free time using apps, and analyzing everything that affects our money. Why? Because there is a lack of unbiased content for Canadians. So I’m here to help you make better financial decisions to live happy, healthy, and wealthy lives.
This is my KOHO Visa card review where I’m going over the pros and cons after using KOHO for the past 3 years. Plus give you a special KOHO referral code to give you an extra 1% cash back!
I know there’s a lot of KOHO reviews out there, but I doubt anyone is using KOHO on a daily basis like I am.
KOHO Review Summary
Overall Rating: 4.8 / 5
Best Feature: No fees… for anything!
Biggest Con: Can NOT accept e-transfers from friends Can now accept e-transfers from others!

KOHO Video Review
Watch Money With Mark on YouTube review KOHO and the new KOHO visa metal card.
3 years ago I ditched TD Canada Trust and went all in on KOHO. Why? Because it was miles better than anything the big banks have to offer.
Koho has no-fees, you earn interest on all the money in your account, plus you earn cash back on all your spending.
Now they even have a credit building feature too!
KOHO Pros
KOHO Cons
Should You Upgrade To KOHO Metal Visa Card?
Listen I’m the first person to say “don’t spend your money on frivolous shit”. Especially because our global culture is built on excess consumerism, which means we buy too much crap.
We buy crap we don’t use, then pay more for storage because we don’t have any place to fit all that crap. Just so that we can ride a motorcycle for 10 days every year.
But here’s the thing… every time I take out my KOHO metal visa card I feel so freaking cool π.
Now if you have credit card debt, or debt on a line of credit, or do not have at least 10k in an emergency fund. The do not buy this card. However, if your finances are in a decent place and you want an ego boost then π― buy the metal KOHO visa card. It’s heavy, metal, and super sleek. I get looks and questions on what the heck am I using EVERY time I take it out.
KOHO Card FAQ’s
What is KOHO?
KOHO is a free everyday banking account / app designed to empower Canadians with a zero-fee banking solution. KOHO is like a chequing account with no monthly fee. You load funds to your account, then use your prepaid credit card the same way you’d use any debit or credit card.
Plus all the money you load onto your KOHO card earns interest and earns cash back on all your purchases. Plus they have awesome insights, and tools to help you automatically save. Personally I’ve saved over $3,000 on bank fees from switching to KOHO and I’m not looking back π.
How does KOHO work?
KOHO works just like any other banking account, credit or debit card. KOHO is a pre-paid visa card so you have to load money into your account in order to use the credit card. However unlike a bank KOHO has no-fees, gives you free cash back on spending and earns interest just like a high interest savings.
Personally I’ve switched from TD to using only KOHO and I absolutely love it and am not looking back. See ya later stupid bank fees!
How to get a KOHO card?
Getting a free pre-paid KOHO card is easy. You just need to create an account and you get a free KOHO card mailed to your door. Plus you can use this link to earn an extra 1% cash back on all of your spending!
Is KOHO safe?
Yes KOHO is safe to use. Any money you deposit with KOHO is stored at Peoples Trust which is a federally regulated bank. This means your money is CDIC-insured and 100% safe to use.
2022 KOHO Visa Card Review After 3 Years! | Money With Mark

Is KOHO right for you? This is my 2022 KOHO review after using it for 3 years. These are my pros & cons and use my referral code to earn more cash back!
Product Brand: KOHO
Product Currency: CAD
Product In-Stock: InStock
4.8