KOHO Reviews 

I use KOHO online banking for my banking and loan services. I rate this company with 5 stars "EXCELLENT!" ,Because everytime I have had an issue, be it an accidently tap on the "close account" tab or a refund dispute with a retailer, I have always had respectable, honest, kindness and understanding from the Agent or team member from the customer service department or the legal department. As well Codi the AI support not. KOHO also helped me tremendously bring my credit score from 0 to good although it stands at the "fair" score range at the moment, they are fair and give me the advice I need to bring my score back up. They have excellent offers of ways to help you with your financial situations to improve the choices that I have made to give me good standing credit. They offer financial coaching and loans that help you raise your credit score. They will help me find a way to find the cash I need in an emergency situation. KOHO has, in my personal experience, the VERY BEST TEAM of ADVISORS working their hardest to help me improve my financial history. In my opinion KOHO ONLINE BANKING , is the online banking that EVERYONE should use... ☺️💯

My experience with KOHO has been positive overall. The app is easy to navigate and managing everyday finances is straightforward. Features such as instant transactions, notifications budgeting tools and spending insights make much easier to keep track of expenses. The customer service has been responsive when I needed help, and the platform continues to add useful features that improve the overall banking experience. Setting up an account was simple, and the mobile app was reliable and convenient. Overall I would recommend to anyone looking for user friendly financial platform that helps with budgeting and managing money efficiently.

I’ve been using KOHO for over 4 years, and overall it’s been a very helpful tool in managing my finances and improving my credit.

One of the biggest benefits for me has been their credit-building features. It gave me a simple and accessible way to establish and grow my credit rating without the complexity of traditional credit cards.

I also really appreciate the flexibility of the virtual card. It makes online purchases easy and secure, and the ability to manage everything through the app keeps things clear and convenient.

The interface is straightforward, and for day-to-day spending, budgeting, and tracking, it does exactly what I need.

That said, there’s always room for improvement, especially when it comes to customer support response times and certain fees depending on the plan. But overall, KOHO has delivered on what it promises.

I’d recommend it to anyone looking for a practical, modern alternative to traditional banking, especially if your goal is to build or rebuild credit while keeping things simple.

KOHO is easy to use and makes managing my finances simple. The app works well, transactions are clear, and customer support is helpful. I am very satisfied with the service and would recommend KOHO to others.

I started using koho almost 2 years ago and at first they didn't have as many features as they do now, watching the roll out of allot of different beneficial features such as up to $250 dollars of cover instead of most banks 50 bucks, tenant insurance, credit building and even some crypto now with top tokens and low fees and to top it off 3.5% interest on your money. I've been recommending koho to everyone I know for quite a while and I've enjoyed being a part of koho's growth and I look forward for what is to come. You can also have a say in what rolls out by voting on features or putting in feature request for others to vote on, and everything I've voted on has been passed and rolled out, and that alone is an experience I've never had with any other company. I fully recommend koho and look forward to the future growth.

KOHO helped me rebuild my credit after my divorce. Thanks KOHO

Excellent way to establish or repair your credit score!

Easy to use but ain’t building my credit yet but not giving. Up hope

Great service

KOHO was the first app I installed on my phone when I arrived in Canada in 2023. I have been using it happily since then. When I arrived in Canada, I was looking for a credit card to build my credit and was also hesitating to apply through a bank because of the interest issues, since I am a muslim.
I installed KOHO because I was able to use my own money to build my credit. I got my virtual card and started using it immediately. Very happy with the app so far. I usually don't write reviews, but only when I very, very much like a product or the opposite. Fortunately, KOHO was a nice experience.

It’s easy and very convenient! Highly recommend.

This will be my 2nd review on what I think of Koho, at this point I'm in shock at how many times I have 1 after the other different staff consulting with me. Each 1 asked me for all my information that I've given 14 times to count now, when does this Nightmare end Koho. I just want my life back, I've jumped through every hoop you asked of me and keep getting error codes when I attempt to sign in. You say sorry each time and say you're here for me, I feel like a Monkey in a cage

When I started to closely look at the fees and the amount of cashback, I realized the profit is actually very minimal.

I love KOHO I pay bills get your money fast so easy to use I love it useing it I use it all the time

I love this cyber banking with you. Every other bank I've dealt with over charges for transactions, never get cash back. Other banks take instead of give.

I am extremely disappointed with my experience with KOHO.

My account statement showed that I had over $565 available, but I was only sent $265.72. The remaining balance disappeared, and I noticed a Manual Adjustment on my account without any clear explanation and they deducted it after 17 days reviewing my account and before they released my funds.

I contacted customer support multiple times through chat and by phone. I provided all the proof they requested, including screenshots and my account statement. Unfortunately, I have only received generic responses saying they are waiting for their internal team. When I called to ask for an explanation, my call was disconnected instead of my concerns being addressed.

This situation has caused me unnecessary stress because I urgently need access to my own money. I am not asking for anything extra. I am simply requesting the full balance that belongs to me and a clear explanation of what happened to my account.

I expected better communication and transparency from a financial institution. I hope KOHO resolves this issue as soon as possible and improves how it handles customers facing serious account problems.

I would give 6 stars if I could. KOHO is my favorite banking and I’ve been with all the big banks. KOHO allows you to use your own purchases to borrow money. So you never have to worry about something coming up unexpectedly. If you have a paycheck going into the account it comes a day earlier. Also gives you a cover amount in case you have a payment come out and no money in your account so you don’t end up with nsf fees. The best part about KOHO is that it helps build your credit.

Great products for improving your credit rating.