Getting Started with Koho 💳


This is a comprehensive guide on how to add funds to your Koho account. If you just joined Koho, welcome! We’re so excited to have you onboard. Now let’s get started.

Koho was built to be a modern personal finance account, so we wanted to make it simple for you to access your funds whenever, and wherever you are – all from your mobile device.

Learn more from our User Success Agent, Steph on how to fund your Koho account:


With Koho, there are 3 different ways you can add funds on your account (You will need an account with a Canadian financial institution in order to fund your Koho account):

1. e-Transfers

e-Transfers are the quickest way to load your Koho account. Depending on your bank, it can take up to 1 day for us to receive and have your e-Transfer loaded, but usually within a few hours*. Simply sign into your existing bank account and send an e-Transfer to load@koho.ca with ‘Koho Load Code’ as the security question, and your unique Koho Load Code provided in the app as the password. You can find your Koho Load Code under Move Money > Add Funds > e-Transfer Load.

*Tip: If your mobile bank account does not allow numerical passwords, try sending the e-transfer from the desktop version of your bank account. Please also note if e-Transfers are sent outside of regular business hours (9am-5pm PST), they will be accepted and processed within 24 hours.

Bonus tip! If you incur any e-Transfer fees from your bank, feel free to let us know via in-app chat or leave us a note within the e-Transfer messages section with how much you were charged and we can reimburse the fee for you. Yep, you read that right. We’re not a big fan of fees, so we don’t expect our own customers to pay to access their own money.

2. Account Linking

If you prefer to have your Koho account loaded on a certain day (or if you don’t want to wait until your payday), you can link your Koho account with your existing bank by selecting Move Money > Add Funds > Link Another Financial Institution.

With this option, you can add your existing bank information to directly load money to your Koho account. Before your account can be loaded, a member from our support team will ask your permission to make a microtransaction from your account, which you will need to confirm via our in-app chat. (Note: Processing times vary depending on your existing bank, so Account Linking will take 3-5 business days after you confirm the microdeposits).

3. Direct Deposit/Tax Refunds

Setting up a direct deposit with Koho is easy, and a great option if your employer has direct depositing set up for their payroll processes (or for tax refunds!). You can download the Direct Deposits Info under Move Money > Add Funds > Direct Load, and request for your payroll department to have a portion or fixed amount of your paycheque to go directly to your Koho account (or set it up on your online account with the CRA for tax refunds).

Want to link your PayPal or Stripe account with Koho? Login to your PayPal account and set up a direct deposit with Koho by adding selecting ‘Link a bank account’ > ‘I have a different bank account’ and add in your direct deposit details provided on your Koho app. PayPal will send micro-deposits to your Koho account 2-3 days after you’ve initiated the link, and you will need to confirm the deposited amounts on your PayPal account before you send funds from your PayPal account to Koho. For Stripe, you can add in your Koho direct deposit information under ‘Payouts’ > ‘Add Bank Account’.



And just like that, your Koho account is funded and ready to go. If you’ve just signed up for Koho, send in your first e-transfer to load up your account, and your Koho Visa card will arrive in the mail in 10 business days. This will enable you to use your Koho card as soon as it arrives in the mail.

For all other inquiries, feel free to reach out to our user support team via in-app chat or email support@koho.ca and they’ll be happy to help.



If you haven’t joined Koho yet, download Koho for free from the App Store or Google Play Store today!




About the Author

Lynn Shinto

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Community Manager