KOHO offers a premium option for users who want more than just a prepaid card. The KOHO Metal Cards bring extra features, an enhanced design, and better value with their yearly Everything Plan.
If you're searching for ways to get this card, this guide explains what you need to know. Here's how to apply online and what to expect.
What Makes the KOHO Metal Card Different?
KOHO Metal Cards are designed to deliver a premium user experience. These cards offer benefits that regular KOHO users won't receive.
From increased cashback to exclusive tools, you gain more financial flexibility. It also looks and feels premium in every way.
The Metal Card has no visible card number, which adds a layer of privacy. It also supports full digital integration with Google Pay and Apple Pay.
Key Benefits of the KOHO Metal Card
Users choose this card not only for the design but also for the added value. You get higher rewards, fewer fees, and tools to build financial health. Below are some of the top features included with the card.
- 2% cashback on groceries, eating out, and transportation
- Up to 5% cashback at select partner merchants
- 3.5% interest on your entire balance, paid monthly
- No foreign transaction (FX) fees when traveling or shopping internationally
- Free credit score tracking directly inside the KOHO app
- 50% discount on the Credit Building program
- 1 free international ATM withdrawal per month
- 3GB of eSIM data per month included
How Does the Everything Plan Unlock Metal Card Access?
The KOHO Everything Plan is your key to unlocking exclusive Metal Card perks. You must meet specific conditions before ordering the card.
Join the Everything Plan First
You must subscribe to the Everything Plan to become eligible. This yearly plan includes a 30-day trial and grants access to all premium benefits.
Once the trial ends and payment is confirmed, you can proceed. If you’re not on this plan, the card costs $150.
Complete the Trial Period
New members must finish the 30-day trial before applying. The card becomes available only after that period ends.
This condition applies even if you’ve already paid upfront. KOHO will notify you when it’s time.
Top Up if Needed
If your plan has less than 10 months remaining, KOHO will require a top-up. This ensures you’re committing to a full year.
The top-up is calculated based on your remaining time. You can only unlock the card after completing the full year.
Receive Notification and Apply
KOHO will alert you once you’re eligible. You’ll see the update directly in your KOHO app.
After that, you can place your Metal Card order. Just verify your info and complete the steps in-app.
Comparison: Metal Card Vs. Other KOHO Cards
Understanding how each KOHO plan compares can help you choose what fits your needs best. The Metal Card plan unlocks the most features, especially for frequent spenders.
- Monthly Fee: KOHO Free has no cost, KOHO Extra costs $4/month, and the Everything Plan (with Metal Card) costs around $7/month when paid yearly.
- FX Fees: Only the Free plan charges FX fees. KOHO Extra and Everything waive them for international purchases.
- Cashback: KOHO Free earns 0.5%, Extra earns 1%, and the Metal Card offers 2% to 5% depending on the category.
- Credit Builder: Both Free and Extra require an added cost, but Metal Card holders get 50% off.
- eSIM & ATM Access: Only the Metal Card includes 3GB of eSIM and one free international ATM withdrawal monthly.
The Metal Card gives the highest return in rewards and perks for users who actively use KOHO services.
Eligibility and Waitlist Rules
You must meet KOHO’s eligibility terms before you can request the Metal Card. Access is limited and follows a phased rollout for users.
Phased Release and Waitlist
The company is releasing Metal Cards in batches based on user account status. Earlier users who subscribed first may get access sooner.
The card option appears when KOHO enables it for your profile. You’ll see a notification inside the app.
Wait Time Depends on Sign-Up
Your spot on the waitlist depends on when you joined and your plan status. New users might wait longer depending on demand.
They handle availability based on regional capacity. The wait is not the same for everyone.
Trial Must Be Completed
You can’t order the Metal Card until your 30-day trial under the Everything Plan is over. KOHO uses this period to confirm active membership.
Only after the trial do you qualify to order. The status updates automatically in the app.
$150 Fee Without Plan
If you're not on the Everything Plan, the card is still available. However, you’ll be charged $150 for it.
Subscribers with a full-year plan get the card at no extra cost. Choose the plan option that works best for your needs.
Application Process
Applying for the KOHO Metal Card online is quick and requires just a few steps. You must use the KOHO mobile app or website to complete the process.
- Create a KOHO account and complete registration.
- Subscribe to the yearly Everything Plan.
- Wait for the 30-day trial to finish.
- Join the waitlist for Metal Card eligibility.
- Once notified, confirm your shipping address.
- Order your KOHO Metal Card directly from your app.
Interest, FX, and ATM Perks Explained
It includes key financial benefits. These features make the card useful for saving and international usage. Knowing how they work ensures you use them efficiently.
You’ll earn 3.5% interest on your balance monthly, with no minimum requirements. There's one free international ATM withdrawal per month, which can save fees abroad. The card also offers no FX fees, giving you better rates when traveling.
Credit Building and eSIM Features
This card includes unique tools that help with digital access and credit growth. These features are exclusive to this plan.
You’ll receive a 50% discount on KOHO’s Credit Building service, which helps build your score using small payments.
For travelers or remote workers, 3GB of eSIM data is added monthly. These perks are included and renew every month.
KOHO Metal Card Support and Contact Options
You can reach KOHO through multiple channels. Visit their website at koho.ca. For quick questions, use the in-app live chat. Email support is available at support@koho.ca.
Conclusion: Why the KOHO Metal Card is Worth Considering
KOHO Metal Cards combine functionality and premium perks in a single prepaid card. You get better cashback, interest earnings, and tools for financial growth.
The online application process is straightforward and mobile-friendly. For Canadians seeking a smarter way to manage spending, this card offers serious value.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with KOHO before applying or using the card.
