**No-Fee Everyday Banking with Unlimited Transactions + Get a $40 Welcome Bonus**
RateBuddyBanking guide
ACCOUNT COMPARISON
KOHO Accounts
- Rates & fees
- Features & eligibility
A clearer view of your next bank account
Compare all chequing, savings, and investment accounts from KOHO.
RateBuddyOFFERS AT A GLANCE
Best Banking Offers — October 2026
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Best High-Interest Savings Account + Get $40 as welcome bonus
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RateBuddy's Pick: Best High-Interest Chequing Account
KOHO Everything: More Rewards. More Perks. More for Your Money.
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**Earn 3.5% Interest and Up to 2% Cash Back + Get a CAD $40 KOHO Sign-Up Bonus with RateBuddy.
KOHO Everything: More Rewards. More Perks. More for Your Money.
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Details
RateBuddy Exclusive Offer: New KOHO members can earn 5% interest for 3 months with promo code RB5S26. Up to $100 interest earned; eligible transactions only. After the promo period, continue earning 2.50% interest, plus 1.5% unlimited cash back on groceries, transportation, food & drinks. Terms apply.
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Details
RateBuddy Exclusive Offer: New KOHO members can earn 5% interest for 3 months with promo code RB5S26. Up to $100 interest earned; eligible transactions only. After the promo period, continue earning 2.50% interest, plus 1.5% unlimited cash back on groceries, transportation, food & drinks. Terms apply.
Compare Bank Accounts in Canada — October 2026
Compare the available options below by rates, fees, features and access.
KOHO
CDIC Eligible
Interest rate (tiered)
Up to
2.50%
Rate varies based on balance.
Monthly fee
$18.00
Welcome bonus
Welcome Bonus:
RateBuddy Exclusive Offer: New KOHO members can earn 5% interest for 3 months with promo code RB5S26. Up to $100 interest earned; eligible transactions only. After the promo period, continue earning 2.50% interest, plus 1.5% unlimited cash back on groceries, transportation, food & drinks. Terms apply.
KOHO
CDIC Eligible
Interest rate (tiered)
Up to
3.50%
Rate varies based on balance.
Monthly fee
$22.00
Welcome bonus
Welcome Bonus:
RateBuddy Exclusive Offer: New KOHO members can earn 5% interest for 3 months with promo code RB5S26. Up to $100 interest earned; eligible transactions only. After the promo period, continue earning 3.50% interest, plus 2% unlimited cash back on groceries, transportation, food & drinks. Terms apply.
KOHO
CDIC Eligible
Interest rate
2.00%
Monthly fee
$0.00
Special offer
$0 monthly fee | No direct-deposit or minimum-balance requirement | Unlimited transactions | Free e-Transfers | 2% annual interest on your full eligible balance | 1% cash back on groceries, transit, and food & drink | Up to 6.5% extra cash back at selected merchants | Permanently free Secured Credit Building | Free credit-score monitoring | Terms apply
RateBuddy’s Choice for Canadians seeking a no-fee account combining spending, saving, cashback and credit-building—without direct deposit or a minimum balance. KOHO Core includes credit-score monitoring, prepaid Mastercard access and built-in savings and budgeting tools. Terms apply.