What is the KOHO e-Transfer limit?

KOHO's Interac e-Transfer send limit is $3,000 per transaction and $10,000 per day. These are the standard Interac network limits used by most Canadian financial institutions. Receiving e-Transfers has no fee on any plan. Sending is free on paid plans (Extra, Everything, Premium); the free Essential plan may offer standard (non-instant) sends only.

Is e-Transfer instant with KOHO?

Instant e-Transfer (outgoing) is available on Extra ($4/month), Everything ($9/month), and Premium ($19/month) plans. On the free Essential plan, outgoing e-Transfers may not be instant — check the KOHO app for the current terms. Incoming e-Transfers from other banks to KOHO are typically processed within minutes regardless of plan.

How do I load money onto KOHO?

The primary way to load KOHO is via Interac e-Transfer from your existing bank account. Send an e-Transfer to your KOHO email address and the funds are available on your card typically within minutes. You can also set up direct deposit — KOHO provides a transit number and account number (through Peoples Trust) in the app under Direct Deposit. There is no cash load option.

Can I set up direct deposit with KOHO?

Yes. KOHO supports direct deposit from employers, CRA, and Service Canada. In the KOHO app, go to Get Paid → Direct Deposit to see your direct deposit details — a transit number and account number issued through Peoples Trust Company. Provide these to your employer's payroll team or enter them in My CRA Account at canada.ca. KOHO does not have its own institution number — direct deposit details are Peoples Trust numbers.

How do I withdraw money from KOHO?

To access funds in KOHO, send an Interac e-Transfer to your external bank account. There are no ATM withdrawals — KOHO is a spending card, not a cash-access card. The e-Transfer limit of $3,000 per transaction and $10,000 per day applies. For larger transfers, split over multiple days or use the External Account Transfer option in the app if available.

Does KOHO have a spending limit?

KOHO's Mastercard has daily spending and single-transaction limits set at the plan level. Standard limits are typically $3,000–$5,000 per day for purchases. Online purchases and contactless tap limits may differ. Check the KOHO app under Card Settings for your specific current limits. The prepaid model means you also cannot spend more than the loaded balance, regardless of the card limit.

KOHO e-Transfer Limit 2026 | Send, Receive & Load Limits

KOHO supports Interac e-Transfer for both loading funds and withdrawing funds. The standard send limit is $3,000 per transaction and $10,000 per day — the Interac network standard. Instant outgoing e-Transfers are available on Extra, Everything, and Premium plans. The Essential (free) plan may use standard non-instant sending.

Loading money onto KOHO primarily happens via e-Transfer from a linked bank account or via direct deposit from an employer or government.

KOHO e-Transfer Limits

Limit Type	Amount	Notes
Send per transaction	$3,000	Standard Interac limit
Send per day	$10,000	Standard Interac limit
Receive per transaction	$3,000	Set by sender’s bank
Fee (receive)	$0	All plans
Fee (send — paid plans)	$0	Extra, Everything, Premium
Instant send	Paid plans only	Extra, Everything, Premium

How to Load Funds onto KOHO

KOHO is a prepaid card — it must be loaded before you can spend. There is no cash deposit option.

Method 1: Interac e-Transfer (most common)

Open your regular bank’s app or online banking
Send an e-Transfer to your KOHO email address
Funds typically appear on your KOHO card within minutes
No fee from KOHO to receive

Method 2: Direct deposit

Open the KOHO app → Get Paid → Direct Deposit
Note your transit number and account number (Peoples Trust)
Provide these details to your employer’s payroll department or to CRA via My CRA Account
Payroll and government payments deposit directly to KOHO on pay dates

Method 3: Linked external account transfer

Some KOHO plans allow you to link an external bank account and initiate a pull transfer directly in the app

How to Withdraw Funds from KOHO

KOHO has no ATM withdrawal capability. To access your KOHO balance as cash or to move funds to your bank:

Open the KOHO app → Send Money → Interac e-Transfer
Send an e-Transfer to your external bank account’s registered email or phone
Accept the e-Transfer in your bank app (or Autodeposit handles it automatically)

The $3,000/transaction and $10,000/day limits apply. For balances above $10,000 needing transfer, split over multiple days.

Direct Deposit Details

KOHO uses Peoples Trust Company as its banking partner. Direct deposit details are Peoples Trust numbers — KOHO does not have its own Canadian institution number.

Field	Where to Find
Transit number	KOHO app → Get Paid → Direct Deposit
Account number	KOHO app → Get Paid → Direct Deposit
Institution	Peoples Trust (institution 621)

Use the direct deposit details shown in your KOHO app — individual account numbers are unique. These details can be provided to:

Employer payroll (for salary/wages)
CRA (for tax refunds, GST/HST credit, CCB)
Service Canada (for EI, OAS, CPP)

KOHO vs Traditional Banks: Transfer Comparison

Feature	KOHO (paid plans)	Simplii	Tangerine	EQ Bank
e-Transfer limit (per transaction)	$3,000	$3,000	$3,000	$3,000
Daily send limit	$10,000	$10,000	$10,000	$10,000
e-Transfer fee	$0	$0	$0	$0
ATM cash withdrawal	No	Yes (CIBC)	Yes (Scotiabank)	Yes (third-party)
Cash deposit	No	Yes (CIBC ATM)	Limited	No
EFT to linked account	Limited	Yes	Yes	Yes

The most important practical difference: KOHO cannot generate cash. All funds in and out move electronically. For anyone who needs to access or deposit cash, a secondary account at Simplii, Tangerine, or a Big Five bank is necessary.