KOHO Everything Plan Review 2026

Is the $19/month Everything plan worth it over the free plan? We ran the numbers. Here's the honest answer.

4.2 / 5 Rating Break-even: ~$2,100/mo spending Updated March 2026
4.2
★★★★☆
out of 5

KOHO Everything Plan

The Everything plan at $19/month is KOHO's premium tier. It's worth it for heavy spenders (2,500+/mo), frequent international travellers, and anyone who values the full feature set. For moderate spenders, the Extra plan at $9/mo offers better value.

All Three KOHO Plans Compared

Free
$0 /month
✓ 1% cashback on food/drink
✓ 3.0% interest on balance
— No cashback on other spending
— 1.5% FX fee on foreign spend
— No credit building
— No price protection
✓ Vaults & budgeting
✓ Spending analytics
Extra
$9 /month
✓ 2% cashback on food/drink
✓ 0.5% cashback on everything
✓ 3.0% interest on balance
✓ 0% FX fees internationally
✓ Credit building feature
— No price protection
— No extended warranty
✓ Vaults & budgeting
THIS REVIEW
Everything
$19 /month
✓ 2% cashback on food/drink
✓ 2% cashback on everything else
✓ 3.0% interest on balance
✓ 0% FX fees internationally
✓ Credit building feature
✓ Price protection on purchases
✓ Extended warranty on purchases
✓ Purchase protection insurance
✓ Vaults & budgeting

Note: Exact plan features may vary. Always confirm current details at koho.com.

No fee everyday banking

Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

See how it works

💰 Everything Plan Break-Even Calculator

Enter your spending to see if the $19/month Everything plan earns more than Extra ($9/mo)

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Free plan annual value
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Extra plan annual value
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Everything plan annual value

What's Unique to Everything vs Extra

The $10/month premium over Extra buys these specific upgrades:

💸
2% cashback on ALL purchases (vs 0.5% on Extra)
The big differentiator. On $1,500/month non-food spending, this is $360/year extra vs Extra plan's $90. The $10/month premium costs $120/year. Net gain: +$240/year at $1,500 other spending.
🛡️
Price protection
If an item you bought drops in price within 60 days, KOHO refunds the difference. Valuable for electronics, appliances, and major purchases.
🔧
Extended warranty protection
Doubles the manufacturer's warranty on eligible purchases. Worth significant money if you buy electronics or appliances.
📦
Purchase protection insurance
Covers damage or theft of new purchases for 90 days. Similar to Visa Infinite perks on premium credit cards.

Pros & Cons of the Everything Plan

✅ Pros

✓ 2% cashback on ALL spending (best among no-credit-check accounts)
✓ Price protection rivals premium Visa Infinite cards
✓ Extended warranty adds real value on electronics
✓ 0% FX — great for frequent travellers
✓ No hard credit check to open
✓ 3.0% interest on every dollar

❌ Cons

✗ $228/year fee is high vs Extra ($108) and Free ($0)
✗ Break-even requires ~$2,100/month non-food spending
✗ 2% cashback still trails premium credit cards (3–5% in categories)
✗ Price protection requires claim process — not automatic
✗ Insurance features require claim documentation

Who Should Choose Each Plan

✅ Get Everything if you…

Spend $2,000+/month total, travel internationally 3+ times/year, buy major electronics or appliances regularly, or want the best cashback possible on KOHO.

⚠️ Stick with Extra if you…

Spend mostly on food/dining (both plans earn 2% on that), spend under $2,000/month total, or rarely buy big-ticket items that need warranty/price protection.

🔰 Use Free if you…

Spend under $1,000/month, primarily care about the 3.0% interest, or pair KOHO with a premium cashback credit card that already gives 2%+ on everything.

💡 The optimal setup

KOHO Free + BMO CashBack World Elite credit card = 5% groceries (credit card) + 3.0% interest on your balance (KOHO) + no monthly fees. Often beats Everything plan value.

Start with KOHO Free — Upgrade Anytime

Open KOHO for free today and earn 3.0% interest + $40 sign-up bonus. Upgrade to Everything anytime from the app if your spending justifies it.

View All KOHO Plans