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KOHO review
A prepaid spending account with built-in budgeting and cash back, useful for people who overspend on credit.
By SCFinance Data Team · edited by SCFinance Editorial TeamUpdated Aug 11, 2026 Fact checkedEditorial integrity
The bottom line
A prepaid spending account with built-in budgeting and cash back, useful for people who overspend on credit.
SCFinance score4.2
K
KOHO
- Rate
- N/A
- Monthly fee
- N/A
- Minimum
- N/A
Pros
- ✓ Cash back on everyday spending
- ✓ Built-in budgeting tools
- ✓ Credit building add-on
Cons
- ✕ Best features need a paid tier
- ✕ Prepaid, so not a credit builder by itself
Details
- Type
- Prepaid spending account
- Cash back
- Yes
What you get
- Cash back on purchases
- Automatic savings goals and budgeting