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4.3/5
Our editorial rating rationale
- 2% interest on your entire balance (opt in via the app)
- 1% cash back on eligible everyday purchases
🏆 2026 Award WinnerFintechBest for: Students and young adults who want a free account that earns interest and builds credit
A free everyday account from KOHO that earns interest on your balance, gives cash back on purchases, and helps you build credit history.
Exclusive offerKOHO X Maple Wallet$40 sign up bonus for Maple Wallet users, courtesy of our friends at KOHO.
2026 Award Winner
This product won Best Card/Account for Building Credit & No Credit Check for Young Canadians in the Maple Wallet 2026 Best Of Awards.
See all 2026 award winners →Monthly Fee
$0
Fee Note
No monthly fee, no minimum balance, no direct deposit required
Key Features
2% interest on your entire balance (opt in via the app)
1% cash back on eligible everyday purchases
No monthly fee, no minimums, and no direct deposit required