Koho is an online money app that helps you spend, save, and build credit using a prepaid Mastercard. They offer three subscription plans: a free Essential plan with basic cash back and savings interest, and two paid plans (Extra and Everything) with higher cash back, better interest rates, and discounts on credit-building tools. You might get billed by Koho if you’re on one of these paid subscriptions, which give you extra perks like personal phone support and borrowing options. It’s a simple way to manage your money, pay bills, and even split payments with friends.
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The cancellation process on Koho is straightforward and can be done either through the app or the web portal with clear steps and no complex requirements. The user simply navigates to the subscription management section to cancel the plan, making it easy and quick.
Estimated Time
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minutes to cancel a koho subscription.
How to Cancel koho: Step by Step
If you purchased through KOHO app:
- Open the KOHO app.
- Select My Plan.
- Scroll down and tap on Change my plan.
- On the Manage plan page, select Cancel my plan.
If you purchased through web portal:
- Visit web.koho.ca/login and log in to your account.
- Select My Plan.
- Click on Manage my plan.
- On the Manage my plan page, select Cancel plan.
Tips & Tricks for Canceling koho
- Initiate cancellation early but monitor your account closely as Koho may still charge if cancellation is not fully processed.
- Use chat support repeatedly even reopening old conversations to escalate to a human representative.
- Be persistent with direct messages or emails to customer support as phone or call centers are often unresponsive.
- Cancel just before the billing cycle renews to avoid being charged for the next period.
- Transfer all funds out from account and close any linked coverages or credit building products before closing the account.
- Explicitly confirm your cancellation in writing (chat or email) and request a refund promptly if you are charged after cancellation.
- Save all communication records and escalate through social media if needed.
- Expect slow support response times and be patient but firm in follow-ups.
koho Customer Service Info
If you need assistance, here's how you can get in touch with koho's support team.
Cancel koho Script
Script
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Hello Koho Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription due to personal financial reasons. After careful consideration, I believe it's best for me to reduce my expenses at this time.
Thank you for your assistance in this matter. I appreciate your help and understanding.
Best regards,
Frequently Asked Questions
Koho's cancellation policy states that you can cancel your plan anytime through the KOHO app or web portal. After cancellation, the plan benefits remain active until the end of the current billing period. The plan will not auto-renew once canceled.
To cancel your KOHO subscription, you typically need to log into your KOHO account either via the app or web portal, which requires your password. Cancellation can be done through the app by going to My Plan > Change my plan > Cancel my plan, or through the web at web.koho.ca/login > My Plan > Manage my plan > Cancel plan. If you don't remember your password, you can reset it via this link: https://help.koho.ca/en/articles/736661-how-do-i-reset-my-password. For closing your KOHO account, after ensuring your balance is $0, you can open a chat with KOHO support without a password requirement mentioned for that specific process.
- Charges after cancellation: Being charged for a plan renewal even after canceling the subscription.
- Non-refundable plans: Plans are not refundable, causing dissatisfaction when users want their money back after canceling.
- Unauthorized or fraudulent charges: Allowing fraudulent charges without adequate protection or timely response.
- Poor customer service: Difficulty in reaching customer service, poor communication, and unhelpful support.
- Confusing subscription changes: Being automatically upgraded or charged for plans they did not intend to have, with slow or ineffective downgrades.
- Delayed refunds: Holding refunds, especially hotel/motel deposits, for an extended period (e.g., 16 days).
- Technical issues with app updates: App updates causing features to disappear or malfunction, such as loss of options like rent reporting.
- Cancellation difficulties: Inability to find or use the cancellation option via chatbots or app, and lack of follow-up from support representatives.
- Policy dissatisfaction: Users finding policies ridiculous or not transparent, such as hold times on money or unclear fee structures.
- Credit program issues: Credit building programs potentially negatively impacting credit scores.
KOHO allows you to cancel your subscription or membership at any time without any early-cancellation fees or penalties. However, all KOHO plan purchases are non-refundable, and the benefits of your plan continue until the end of the current billing period after cancellation. The subscription auto-renews until you actively cancel it, so be sure to cancel before the next billing cycle to avoid being charged again.
Before cancelling your KOHO subscription plan, it is important to know that once you cancel, you will continue to enjoy your plan benefits until the end of the current billing period. After cancellation, you will lose access to all subscription-specific features such as the cash back rewards (which vary by plan), interest earnings on your balance, discounts on credit building services, real-time e-Transfers, and no foreign transaction fees. For example, the Everything Plan offers 2% cash back on groceries and transportation, 4% interest on your balance, and other perks which you will lose after cancellation. Additionally, consider that you can manage and cancel your plan easily via the KOHO app or web portal. If you reactivate later, you can regain the benefits by subscribing again.
- Access to your KOHO account via the mobile app or web portal
- KOHO login credentials (username/email and password)
- Knowledge of which plan or bill you want to cancel (My Plan, Payee, etc.)
- Account balance must be $0 (when closing account)
- Ability to open a chat with KOHO support (if closing account)
- Bill payment or subscription details (to identify what needs cancellation)
- Transfer out any remaining funds via e-Transfer if closing account
- Cancellation needs to happen before 3AM EST for same day bill payments
- Follow in-app or web instructions to complete the cancellation
We've actually written a step by step guide on how to get a refund from koho. Check it out!
The Easiest Way to Cancel koho
If you’re frustrated trying to cancel your subscription, membership, or bill from koho—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to koho?
KOHO, KOHO CA, KOHO*CA, KOHO CA PURCHASE, KOHO CARD, KOHO PAY, KOHO E-TRANSFER, KOHO WITHDRAWAL, KOHO LOAD
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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