KOHO account fees
KOHO sells Core, Extra, and Everything on one accounts page. This page copies the prices and fee rows that page showed on 21 October 2026, with the Yearly control selected. A bank package table is on [Canadian bank account fees](/guides/bank-fees-canada).
Last updated: October 21, 2026
Last checked: Oct 2026
The prices on the Yearly view
Opened 21 October 2026. On KOHO's accounts page the Yearly control was the selected one. That view printed Core at $0 a month, Extra at $12 a month, and Everything at $14.75 a month. The page also has a Monthly control. This guide does not copy a price that control did not show. The page says plans start at $0 each month and include a 30 day trial.
The same table marks free real-time e-Transfers on Core, Extra, and Everything. KOHO's e-Transfer page prints $0 to send, $0 to stop, and $0 to request. Crypto trading is 0.5% on every column of the accounts table.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | Core | Extra | Everything |
|---|---|---|---|
| Price on the Yearly view | $0 a month | $12 a month | $14.75 a month |
| Interest the table prints | 2% | 2.5% | 3.5% |
| Cash back on groceries, transportation, food and drinks | 1% | 1.5% | 2% |
| Cash back on other spending | 0% | 0.25% | 0.5% |
| Real-time e-Transfer | Free | Free | Free |
| No foreign transaction fees | Not marked | Marked | Marked |
| International ATM fee | Not included | First one free | First one free |
| Crypto trading | 0.5% | 0.5% | 0.5% |
ATM cash is a range, not one dollar
KOHO's ATM help page says you may be charged a $2 to $3 out-of-network fee, and that KOHO does not own ATMs for free withdrawals. It says to use a Cirrus ATM because the card is a Mastercard. That page does not split the $2 and the $3 by plan. The accounts table is the plan split, and it only marks the first international ATM withdrawal as free on Extra and Everything.
The Everything page prints a monthly fee of $14.75 in its comparison table and says there are no FX fees on that plan. Core is not that plan. The accounts table does not mark the no-foreign-transaction-fee row on Core.
Questions
- Does KOHO charge for an Interac e-Transfer?
- On 21 October 2026 the e-Transfer page printed $0 to send, $0 to stop, and $0 to request. The accounts table marks free real-time e-Transfers on Core, Extra, and Everything.
- What does the KOHO accounts page charge per month?
- With Yearly selected, the page printed Core at $0 a month, Extra at $12 a month, and Everything at $14.75 a month. The Monthly control can show a different price. This page does not guess that price.
- What does KOHO charge at an ATM?
- The ATM help page says a withdrawal may cost $2 to $3, plus any fee the machine charges. Extra and Everything include the first international ATM withdrawal at no KOHO fee. Core does not.
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