Applying for the KOHO Mastercard

Eligibility Review Before Applying for the KOHO Mastercard Credit Card

Before applying for the KOHO Mastercard Credit Card, applicants should confirm that they meet the platform’s verification and compliance requirements.

Applicants must have a valid Canadian residential address and a Canadian mobile number. Identity verification is mandatory and must comply with federal financial regulations. Users must also have access to a Canadian bank account to fund their KOHO account.

Incomplete or inconsistent personal information may delay account approval.

Identity Verification Process

Applying for the KOHO Mastercard Credit Card requires completing a digital identity verification process directly within the mobile app.

Applicants are typically required to upload government-issued identification and complete a facial verification step. In some cases, additional documentation may be requested if automated verification cannot confirm identity.

Applications remain pending until identity verification is successfully completed.

Step-by-Step Application Through the Mobile App

The KOHO Mastercard application process is entirely app-based and follows these steps:

Download the KOHO mobile application.
Create an account using a valid email address and phone number.
Complete identity verification as prompted.
Select your preferred account plan, if multiple options are available.
Link a Canadian bank account to enable funding.

Once the account is verified, users can activate their virtual card and begin using it immediately.

Funding Requirements After Approval

Unlike traditional credit cards, activation of the KOHO Mastercard requires adding funds to the account.

Users can fund their account through direct deposit, Interac e-Transfer, or linked bank transfers. Transactions cannot be processed until sufficient funds are available in the account balance.

Ensuring proper funding setup in advance can prevent delays in using the card.

Optional Credit-Building Program Enrollment

Applicants interested in improving their credit profile may have the option to enroll in KOHO’s credit-building program after account approval.

This optional feature typically involves a structured payment plan that reports activity to credit bureaus. Enrollment requirements and monthly participation terms must be reviewed carefully before opting in.

Participation is separate from the standard prepaid functionality.

What Happens After Activation

Once the account is verified and funded, the virtual card becomes immediately available for online purchases. The physical card is mailed and must be activated through the app upon arrival.

Users can configure security settings, spending limits, and notifications before making transactions. Monitoring activity during the first weeks helps ensure smooth operation and proper account setup.

Final Considerations Before Applying

Before applying for the KOHO Mastercard Credit Card, ensure that you are comfortable with a fully digital onboarding process and app-based account management.

Having proper identification, a stable internet connection, and access to a Canadian bank account will streamline the approval and activation process. Preparing these elements in advance can help avoid verification delays.