KOHO

KOHO (koho.ca, founded 2014 in Vancouver per its official About) is a licensed Canadian fintech offering spending accounts, cash-back Visa cards, savings and credit-building, with over 1.5 million users claimed.

Listing verification (2026-10-24)

• Site live; products: Spend & Save, Borrow, Credit building, Invest
• Card funds held by Peoples Trust with CDIC deposit protection (up to CAD 100,000) — a fully licensed path
• Mainland Chinese passports accepted (no Canadian proof of address); physical card mailing needs a Canadian address (forwarding services work)
• Funding routes change over time (the historical Wise/Interac kohotransfers domain is gone) — follow in-app guidance

Tips

• A regulated banking product, not a "U card"; Canadian KYC applies, passport + overseas phone needed