Why Choose KOHO?

For full-time RVers, digital nomads, and off-gridders in Canada, managing finances on the road can be a challenge. KOHO provides an innovative, mobile-first banking solution that simplifies budgeting, spending, and saving—all with the perks of cashback and no hidden fees.

With KOHO, you can:

• Get a prepaid Visa card with cashback on purchases.
• Avoid traditional banking fees while earning interest on your savings.
• Access credit-building tools like their Credit Building program and Line of Credit.
• Use real-time budgeting tools to stay on top of expenses.
• Withdraw from ATMs worldwide with lower fees than traditional banks.
• Get cash advances without outrageous interest rates.

For Canadian RVers, this means secure, easy-to-manage money on the go—no need to worry about bank branches or surprise fees while traveling.

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My Take on KOHO

While I haven’t personally used KOHO, I know people who have, and it’s become a go-to financial tool for many digital nomads and RVers. The ability to get cashback, avoid big bank fees, and still build credit is a major advantage. Plus, with a prepaid travel card option, KOHO makes international spending a lot easier.

That said, there have been some concerns about security and customer service, so while it’s a solid financial tool, users should always stay vigilant and monitor their accounts closely.

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KOHO’s Financial Solutions for RVers

KOHO offers several plans and services tailored to different financial needs.

1. KOHO Plans

KOHO provides three main plans, each offering different perks. All plans come with a free 30-day trial so you can decide if it’s the right fit.

Essential Plan – $0/month

• 1% cashback on groceries, transportation, food, and drink
• 2.5% interest on your entire balance
• Free credit score tracking
• Instant e-Transfers
• No foreign transaction fees
• Personal phone support (limited)
• No discount on Credit Building

Extra Plan – $18/month

• 1.5% cashback on groceries, transportation, food, and drink
• 3% interest on your entire balance
• Free credit score tracking
• Instant e-Transfers
• No foreign transaction fees
• Credit Building for just $7/month
• Personal phone support

Everything Plan – $22/month.

• 2% cashback on groceries, transportation, food, and drink
• 4% interest on your entire balance
• Free credit score tracking
• Instant e-Transfers
• No foreign transaction fees
• Credit Building for just $5/month
• Personal phone support

2. Prepaid Travel Card

For RVers traveling abroad, KOHO offers a prepaid travel card, letting you spend internationally without ridiculous exchange fees.

3. Line of Credit & Cash Advance

Need a financial buffer? KOHO provides a line of credit and instant cash advances at lower rates than traditional payday loans.

4. Credit Reports & Credit Scores

KOHO users can track their credit score and use KOHO’s credit-building tools to improve their financial health over time.

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What Do Customers Say?

KOHO reviews are mixed, with both positive and negative experiences reported.

✅ “KOHO offers cashback on purchases, no monthly fees, and great budgeting tools. It’s a great way to manage spending while earning rewards.” – Savvy New Canadians

❌ “Some users have reported security issues and slow customer service response times. While KOHO is useful, staying vigilant with account monitoring is recommended.” – TrustPilot

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Final Thoughts on KOHO

KOHO is a strong financial tool for RVers and digital nomads in Canada who want a simple, fee-free banking experience. It offers budgeting tools, cashback, and even credit-building options—all without the frustration of traditional banking.

However, like any financial service, it’s important to stay aware of security risks and customer service responsiveness.

Pros & Cons

✅ No monthly fees on the Essential Plan
✅ Cashback on everyday purchases
✅ Credit-building tools available
✅ No surprise banking fees
❌ Reports of slow customer service
❌ Security concerns raised by some users

KOHO has a growing user base and is widely recognized in Canada as an alternative banking option. It’s not a traditional bank, so users should weigh the risks and benefits carefully.

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Start Using KOHO Today!

Want to take control of your finances while on the road? Sign up for KOHO and enjoy smarter spending, saving, and budgeting.