Thanks for helping grow the KOHO community! Before sharing your referral in the comments, please take a moment to review our guidelines below.

How it works:

• Contest Mode randomizes comments each time you visit, giving everyone a fair shot.
• For those looking for a referral, scroll through and choose any referral that catches your eye.
• At the end of the month, we’ll lock this thread and start fresh with a new megathread.
• Remember to check back monthly if you’d like to share your code again!

Referral Thread Rules:

• You can only post your referral link/code once in each megathread
• KOHO referrals only
• Post your link or code directly (no URL shorteners or redirects)
• Keep it clean (just your link/ code, no extra text needed)

If you’re not following the rules your comment may be removed, and repeat offenders risk permanent bans. Let’s keep this fair and friendly for everyone!

Fraud and scams are getting more sophisticated, especially with new tech like AI and deepfakes. Here are some quick tips to help you stay safe and know what to expect from KOHO.

Suspicious texts or calls

Scammers often pretend to be your bank or a trusted company to get you to share info or click a link.

Here’s what you need to know about KOHO:

• KOHO will never contact you unexpectedly by phone or text.
• We will never ask for sensitive information like your password, PIN, or security codes over the phone or through text.
• If you get a message claiming to be from KOHO and something feels off, do not reply or click anything.

✅ What to do instead:
Open the KOHO app and contact us directly through in-app support. If it’s legit, we’ll confirm it there.

Suspicious links

A common scam: You get a text that looks like it’s from your bank saying your account is locked or there’s “urgent” suspicious activity, with a link to “fix” it.

Important reminders:

• KOHO will never send you a link via text asking you to log in or verify your information.
• Scammers create urgency (“your account will be closed in 30 minutes”) to make you click without thinking.

✅ What to do instead:
Ignore the link. Go directly to the KOHO app or our official website, or contact us through in-app support.

Deepfakes & AI-generated images

Scammers are starting to use AI-generated photos and videos to impersonate real people and bypass security checks.

• These images and videos can look extremely realistic and are often impossible to spot with the naked eye.
• In real-world cases (not involving KOHO), hackers have used AI-generated identity documents and videos to pass verification and gain access to accounts.

✅ What to do instead:
If anything about a message, call, or request feels off—trust your instincts.
Stop, double-check, and verify directly by contacting KOHO through the app or our official channels.

Crypto scams

Crypto scams are on the rise, and they often start with big promises and high pressure.

Common red flags:

• Unsolicited messages about “exclusive” or “limited-time” investment opportunities
• Promises of guaranteed or unusually high returns
• Requests to pay only in cryptocurrency
• Pressure to act immediately or “miss out”

Remember: If it sounds too good to be true, it probably is.

And very importantly: KOHO will never ask you to send cryptocurrency.

KOHO will never invest on your behalf or DM you asking you to move money into a “special” investment.

If you’re ever unsure about anything: Don’t click. Don’t share. Don’t rush.

Contact us directly through the KOHO app or via our official support channels.

You can also post here (without sharing personal details), and we can help point you in the right direction.

Stay safe out there!
Thanks for looking out for yourselves and each other.

Hey everyone,

Direct deposit timing is one of the things we get the most questions about which is totally fair, because payday is stressful and the timing genuinely does shift around. We wanted to put together one place that explains what's going on behind the scenes, so you have a reference whenever something feels off.

Here's the key thing to know: we process deposits the moment we receive them. No internal queue, no holding period, no "release window" on our end. As soon as a deposit hits us, it's in your account.

So why does the timing seem to shift?
Direct deposits in Canada move through Payments Canada, which runs scheduled clearing windows throughout the day. When a deposit reaches us depends on:

• When your employer (or the sender) submits the payment
• Which Payments Canada exchange window it lands in
• How that window lines up with weekends and holidays

Those windows can shift which batch your payment lands in from month to month, which is why the same paycheck might show up Wednesday evening one month and Thursday morning the next. We don't control that schedule, but we'll always pass the money through the moment it reaches us.

Why "early" deposits can create confusion

We often pass paychecks through before payday because we release them as soon as we get them. That early arrival isn't guaranteed; it depends entirely on when the sender pushes the payment. So when a deposit lands on your actual payday, it can feel "late" compared to the early ones, even though it's arriving right on time. The simplest way to think about it: an early deposit is a bonus, not a baseline.

If your deposit feels off, here's what helps

1. Check the actual payday your employer scheduled - that's the date the money is due, not the earliest it might arrive.
2. If it hasn't landed by end of day on your scheduled payday, your employer can confirm when the payment was submitted on their end.
3. If it's been more than 24 hours past your scheduled payday and your employer confirms it was sent, reach out to support and we'll dig in.

We know waiting on a paycheck is stressful, and we appreciate you bringing questions to us - we'd rather you ask than wonder! Hopefully this gives you a clearer picture of how the timing works so you can spot what's normal and what's worth a closer look.

Thanks for helping grow the KOHO community! Before sharing your referral in the comments, please take a moment to review our guidelines below.

How it works:

• Contest Mode randomizes comments each time you visit, giving everyone a fair shot.
• For those looking for a referral, scroll through and choose any referral that catches your eye.
• At the end of the month, we’ll lock this thread and start fresh with a new megathread.
• Remember to check back monthly if you’d like to share your code again!

Referral Thread Rules:

• You can only post your referral link/code once in each megathread
• KOHO referrals only
• Post your link or code directly (no URL shorteners or redirects)
• Keep it clean (just your link/ code, no extra text needed)

If you’re not following the rules your comment may be removed, and repeat offenders risk permanent bans. Let’s keep this fair and friendly for everyone!

Hey everyone,

Some of you may have noticed Mary hasn't been around the subreddit lately. Mary has shifted into a new role and is focusing on other initiatives - we're so grateful for everything she did to build this community.

The good news: you're still in great hands. Our User Success team is here and active in the comments and DMs. You'll see u/Opal popping in to help out, so say hi when you see her! She and the rest of the team are reading every message and jumping in wherever they can.

Nothing changes about how you reach us. Drop your questions, feedback & things you love in the comments or send us a message, and someone real will get back to you.

Thanks for being such a great community to show up for.

Hey everyone! 

We’ve seen your feedback loud and clear: being able to talk to a real human about your money really matters. Phone support has been one of the most requested features from this community, so we’re excited to roll it out for everyone on Essential, Extra, and Everything.

Here’s what’s new:

📞 You can now call us at: 1-866-612-5646
🗓 Available: 7 days a week
🕗 Hours: 8am–8pm EST

We’ll keep investing in support that actually feels supportive — thanks for continuing to tell us what you need and how we can do better.

If you have any questions about how phone support works (or feedback once you’ve tried it), drop them in the comments and we’ll keep an eye on this thread.

Hey r/KohoCanada 👋

We're excited to announce our very first AMA to share more about our crypto launch! We want to answer all your questions about it!

Join us for a live AMA on Tuesday, May 26th at 12:30pm EST with:

Isabel Ng-Lai, Crypto Product Lead at KOHO
Arash Jafariolia, Social Media & Community Manager at NDAX 

They'll be here for 90 minutes to answer your questions about the new crypto features, how it works within KOHO, security, and anything else on your mind.

🗓️ AMA Details:

When: Tuesday, May 26th, 12:30pm–2:00pm EST
Where: Right here in this thread!
Who: Isabel + Arash
💬 Drop your questions below!

Can't make it live? No problem – leave your questions in the comments now and our hosts will answer them during the AMA.

We'll see you on the 26th! 🚀

https://preview.redd.it/3cpy0spfop2h1.jpg?width=4284&format=pjpg&auto=webp&s=8f0f24ceae877de8bac45a14b7ea2acd39624300

https://preview.redd.it/0i7nctpfop2h1.jpg?width=1536&format=pjpg&auto=webp&s=7e72f358b0f1981123b6833b9927c93612665d64

Want your next paycheque to work twice as hard?

We’ve just launched our Double Your Pay contest. When you set up Direct Deposit with KOHO, you’ll get a chance to win double your paycheque, up to $8,000.

How to enter

1. Set up Direct Deposit: Open the KOHO app, tap “Add Money”, then “Direct Deposit” and follow the steps to connect your pay.
2. Open the Double Your Pay piggy bank: Once your Direct Deposit is connected, head to the Home tab and look for the Double Your Pay piggy bank.
3. Drop a coin every day: Drop a coin into the piggy bank once a day for a new chance to win. Enter 7 days in a row and we’ll double your total entries.

What you can win

One lucky winner will get double their paycheque, up to $8,000.

Fun fact: with KOHO, your pay can arrive faster — often the night before — so you have it sooner for spending, saving, or paying bills.

Contest ends on June 15, 2026.
Don’t miss your chance to Double Your Pay.

If you’ve got questions about how this works, drop them in the comments — we’re here to help!

No purchase required. The campaign begins on May 19, 2026 at 12:00am EST and ends on June 15, 2026 at 11:59pm EST. There is 1 reward available to be won: One (1) Grand Prize: a cash payment equal to the winner's most recent monthly direct deposit amount, up to a maximum of $8,000 CAD. Open to legal residents of Canada. Odds of winning depend on the number of eligible participants. Must correctly answer skill testing question to be declared winner. Full rules and entry details available at: https://www.koho.ca/legal/#double-down-contest-terms 

We just announced the launch of Crypto and now we’re excited to keep that momentum going with the Crypto Match Event!

Move your BTC from another platform into KOHO and get a 3% match, up to $150. Plus move $1,000+ in BTC and get 30 days of fee-free crypto trading.

On now for 30 days! Open your KOHO app to get started and see full promo details & terms.