habitt and KOHO.Different jobs.
KOHO is a spending and savings account with a prepaid card. habitt reads all the accounts you already have and tells you the next smart move. What each does, and who each suits.
What KOHO is
KOHO is a Canadian spending and savings account with a prepaid Mastercard, cash back on everyday categories, interest on your balance and tools to build credit. Its paid plans raise the cash back and the interest.
KOHO has four plan levels, from a free account to a plan at $22 a month, with up to 2% cash back on groceries, transport, and food and drinks on the top plan.
Source: KOHO Help Centre, Compare plans
Checked on October 31, 2026. Plans and prices change, so check KOHO for the latest.
What habitt does
habitt isn’t an account you move your money into. It reads the accounts you already have, with read-only access, and puts them in one picture: budgets built from your spending, bills, alerts, and an AI CFO that answers questions with your own numbers.
KOHO suits you if
You want one account and card that pays cash back and interest, and helps you build credit.
habitt suits you if
Your money is spread across several banks and cards, and you want one place that sees all of it and tells you what to do next.
Using both
They don’t compete for the same job. Keep the account you like, and use habitt to see it next to the rest of your money, wherever the account can be linked.
Questions
- Is habitt a replacement for KOHO?
- No. KOHO is an account that holds your money. habitt doesn’t hold money; it looks across the accounts you have and helps you decide what to do with them.
- Can habitt move my money?
- No. habitt connects to your accounts with read-only access. It sees balances and transactions so it can show you the whole picture; it can’t move money.
- Is habitt a bank?
- No. habitt Technologies Inc. is a Canadian fintech company, not a bank, lender or insurer. Your money stays where it is.
Get your invitation.
Join the waitlist and we’ll email you when your spot opens.