Sent an etransfer from my KOHO account to another recipient. **To be eligible to receive third-party e-Transfers to KOHO, your KOHO account must be fully verified, your email must be verified, and your physical card activated ? Accueil. What to do if the payment has failed. Use the app to pay bills, send Interac e-Transfers, create savings goals, and chat with the KOHO team for support or suggestions. doe@koho. You’ll receive an email, or a text from Interac asking you to confirm that request. Plus you get free unlimited e-transfers from the accounts. In April 2017, Koho launched its Smart Spending Account and linked prepaid card. English. KOHO charges no fees for the standard account, and Interac e-Transfers, bill payments, replacement cards, etc. KOHO offers three different accounts, two of which are free. KOHO reserves the right to end the promotion at any time, no less than 90 days from the initial implementation of cash back. Think of KOHO as a collection of features designed to help you reach your goals faster and spend your money on things you like, rather than things that you don’t, like credit card. Canada. Zelle is a fast, easy and safe way to send or receive money with family, friends and associates. 19 articles. KOHO is an online-only financial institution that entered the fintech world as recently as 2017. 3. 25 Nov, 2020, 06:00 ET. processed more than $1-million in allegedly fraudulent transactions after users exploited a glitch in the Power Corp. INTERAC TM is already accepted in the vast majority of stores. Next, deposit your money into your Wise account. If you are going to be giving out your email for e-transfers, it's best to use a brand new email to avoid people having your main personal email. How long do outbound e-Transfers from KOHO take? Whether you’re spending, saving, or earning, KOHO is made for your money. Enter the Required ID from the "Message" section from your e. (Juliana Yamada/KQED) KOHO volunteers Eli Pehwan (left) and Khan Chu (right) hang memorial. The proof is in the pudding! Well, article in this case. With Koho, all documentation related to your shipment is stored in your account and can be accessed from anywhere at any time by any member of your team who has access to the account. . Provincial and territorial regulators. The target market for KOHO are millennials or younger users, who don’t want“@Fangalobolo @GetKoho should update the results of this cuz this is Not the norm . Suite 600. This rating has decreased by . If it was a call, was it a human or a robot on the other. Live chat or call 1-855-636-2265. You don't have to share a bed to share finances (but you can!) TORONTO, Feb. Anton Koho Retired Last club: FC Espoo II Retired since: Jan 1, 2019LOL808 wrote: ↑ The email is from team@koho. Select your Cash account. 2222 posts · Joined 2022. ** Cash back will not be accrued on any ATM withdrawal, e-Transfer, KOHO transfer. It’s quick, easy, and will allow you to make secure online transfers to your KOHO account regularly. With RBC, I can cancel a pending transaction by looking at my history, and seeing which ones have been accepted. 5%. Vancouver financial services platform Koho has raised $8 million in additional financing from Portag3 Ventures, a fund launched last year by Canada’s Power Financial Corp. So in case some of you don't know what it is, Koho is an alternative banking platform built on an app. KOHO Team. If you have the KOHO app downloaded already: Tap here. Go to the profile icon in the upper right-hand corner > select Personal Details. 1 upper case character. Call us at +1-888-990-KOHO (5646) or drop us a message. CIBC, BMO, TD, etc), and go to your. Direct carrier integration. KOHO offer a saving and spending account that comes with a high interest rate and a prepaid card that earns you cashback as you spend. 5% cash back categories for the Simplii card. Ensure that all fields entered, such as recipient's name, security question, and security answer are between 3 - 40 characters. Tap forgot your password on the KOHO App home screen. Customers fund their Koho accounts through salary direct deposits and transfers from their bank accounts. Koho supports visa money transfer. You can name it whatever you like, such as “ your name + KOHO. By law, federally regulated financial institutions (banks and. We compare these two popular website hosting services. Most of our users have now migrated to our auto-deposit method, so you'll only need to make a note of your unique e-Transfer email! While local transfers usually zip through in under an hour, sending money across borders takes longer. 🚀 Check out the full episode here and let us know what you found most interesting! Quote Tweet. ”. -backed mobile banking startup, according to sources. Select See all settings. My Account & Login. MBNA Rewards Platinum Plus Mastercard Up to 10,000 bonus points, first year free, and mobile device protection. 52% of employees would recommend working at KOHO to a friend and 53% have a positive outlook for the business. 161. Canada. KOHO charges no hidden fees and our Easy subscription plan is completely free! Our Essential plan is $4 a month, or $48 per year, and gives you 1% cash back on groceries ,transportation, and eating & drinking, as well as. With no hidden fees, no account opening fee, no e-transfer fees, no minimum balance and no minimum deposits, KOHO is a contender in todays online banking space in Canada. KOHO Casinos. Jan 30. Best for Savings Accounts – EQ Bank. To contact your payment facilitator click their link below: Follow us. Laurentian Bank of Canada. (“KOHO”) is a Toronto-based fintech startup founded by Daniel Eberhard, after he realized the steep fees individuals had to pay to do business with the major Canadian banks. Using KOHO App, you can send and receive unlimited Interac e-Transfers for free. Select “Interac e-Transfer”. Free money transfers: You can send unlimited transfers to anyone using their email address, including KOHO users and non-users. The sender can send an Interac e-Transfer to your unique KOHO transfer email; to your personal email (if you've registered that email for autodeposit with KOHO); or you can deposit the funds e-Transferred to you via the Interac portal. Interac e-transfers are very secure. "Finally gained control of my Inbox with @zoho - amazing webmail client which is the best, hands down! Thx!" Maribel C. Founded in 2014, the platform claims to have over 1M members and has received over $250M in venture funding. If your bank charges you an e-Transfer fee you can let them know in the message section of the e-Transfer and Koho will cover it for e-Transfers over $20. KOHO Earn Interest works as a high interest savings account, earning a competitive interest rate of 4. Step 4: Pick the date you need the money by. Use the app to pay bills, send Interac e-Transfers, create savings goals, and chat with the KOHO team for support or suggestions. KOHO is a no fee, prepaid Visa card and app that provides real time insights. Tap Send or request. Autodeposit Issue. For example, the fee might be 3% of the total amount you’re transferring over. $9. Roadmap. 50% cash back on all purchases, while the Simplii Financial Cash Back Visa Card pays 0. I would highly suspect anyone that claimed a lost. Transfer News. Zelle is one of the best payments apps in the e-wallet segment. “@drvadgers1980 Hey Steve! Can you send us a DM with the email address associated with your KOHO account? We would be happy to assist you further in regards to your e-Transfers?”An overview of all transfers made by Emil Koho (25), A Finnish professional soccer player. Reply; Reply with quote; 2 replies. The consignee signs and dates the proof of delivery after examining the shipment. You. They try to avoid fees or, if they have unavoidable costs,. 2222 posts · Joined 2022. Koho Financial Inc. And since many prepaid credit cards don't have an annual fee to begin with, the fact that the KOHO Everything Mastercard charges $228 per year is a big deal, even if it is usually charged at a more palatable $19 each month. And in fact you can claim even more cash back if you shop with certain brands – 5%, for instance, with. ←. KOHO makes money in one of two ways. Eia naʻe, ke kohoʻana i ka mea kūpono i ke kī. Sign up quickly and receive a virtual card instantly. Freight Class Blog API Use your Koho ID# or BOL# for LTL freight tracking. Within a month, more than 5,000 individuals joined a waiting list to open accounts. Evan McCann. 3. 5352)Customers can make purchases everywhere with the Koho card, deposit their paycheque, access more than 8,000 fee free ATMs, pay bills, and send e-Transfers. Kindly be aware that you can only send funds. Wise will send you an Interac e-Transfer Request Money for the exact amount of your transfer, including fees. (styled as KOHO) is a Canadian fintech company based in Toronto. Third-party E-transfers – Third-party e-Transfers are now available. It has to hop from bank -> the Fed -> bank 2 using their rather old system. Automated savings goals. The first way to combat lengthy LTL transit times and congestion is to eliminate preventable errors and unnecessary delays on your end. The company says most transactions are free, with the exception of out-of-network ATM withdrawals. Koho allows you to quote, book, track and manage your shipments online without picking up the phone or sending an email. Best for Investing – Wealthsimple. Log In / Sign UpKOHO Joint Accounts offer the same convenient spending and saving features that you're used to on your Personal Account. The full-service account comes with a reloadable Visa card that earns cashback on every purchase, and an integrated app that helps users spend smart and save more. That’s it!Set up an Interac e-Transfer in four easy steps. Des envois interac expiré jamais retourner dans ma balance Koho, des remboursement de commerce par interac jamais retourner sur ma balance Koho. Please refer to our KOHO Plans page for our most up to date account information! 1. The free KOHO Card pays unlimited 0. Every on-time monthly payment you make builds your credit history, which can help boost your credit score. Best for Range of Products – Alterna Bank. Earn interest: If you add a direct deposit to your KOHO account, you earn a high interest rate on your balance. For $9/month or $84/annum,. You can also try contacting Interact's E-transfer department at "etransfer_support@interac. john on May 19, 2019 at 5:58 pm. Learn more. This is extremely inconvenient when trying to lock down a hotel room for the evening. It’s worth noting that some credit cards charge a fee for balance transfers. 50% to 4. Go to the Accounts and import tab. Koho was created to provide businesses of all sizes the opportunity to scale with a time-saving, cost-reducing digital freight management platform while not compromising on the dedication and level of service they enjoy in an old-school analog supply chain environment. Best for International Money Transfers – EQ Bank. Anonymous Superb Kodiak. Two crossed lines that form an 'X'. Interac e-Transfer Autodeposit is one of the most secure ways to deposit incoming funds. The only drawback to this card is that you’re on the hook for foreign transaction fees, usually around 1. All Collections. If you have any difficulties finding this information, you can always use our in-app messaging system to contact one of our LTL shipping experts for assistance. Sign in to Online Banking or the Scotiabank mobile app. However, on its user. Here's the step-by-step: 1️⃣ In the KOHO app you'll see all the information you need to send an e-Transfer by tapping the $ symbol > Add funds to your account > Load via e-Transfers. Start a Review. Normally, prepaid cards don’t help you build your credit score. Mark Hindelang. Enter your preferred email address. After not receiving the transfer all day, I decided I would check koho just in. You also get 1 free international withdrawal per month and no foreign exchange fees. CDIC protection: The funds in your KOHO account are protected against insolvency for up to $100,000. Hi Andre, I know KOHO users can accept transfers from other KOHO users. An overview of all transfers made by Emil Koho (25), A Finnish professional soccer player. Maximize your earnings with a 5% HISA. Contact KOHO 7 days a week through our app, via email, or by phone. — 2. Double-check your security question and answer. The true timeline, however, will depend on your bank or financial institution. KOHO is not responsible for merchant settlement policies or timelines. You will then be prompted to create a Security Question and Answer. This includes software like keyloggers, website exploits, and even social engineering activities. Generally, credit cards charge interest of 20% to 24%, so the benefits of performing a balance transfer are obvious. Manulife Bank of Canada. We would like to show you a description here but the site won’t allow us. 2. May 2nd, 2018 4:41 pm #2; CNeufeld Deal Guru Mar 23, 2008 13006 posts 9985 upvotes Edmonton . e. How Balance Transfers Work. Lead Attorney. 1. With Koho, users can access all the core functionality; making purchases everywhere Visa is accepted, directly depositing their paycheque, accessing more than 8,000 fee free ATMs, paying bills, sending e-Transfers and more, all without fees. **To be eligible to receive third. They provide pre-paid credit cards and an extremely well designed and functional app. Instead, you can use your phone to simplify your financial life by signing-up for a free KOHO Joint Account and Prepaid Visa with anyone. KOHO . Instead of a separate savings account it'll pay interest on the balance of your KOHO account essentially trying to be the all in one account. rubytuesday1@kohotransfers. If you're on the hunt for a great pod, our Founder and CEO, @DanEbs. Even though you need to pay a fee, the amount of interest you’ll. 05%). He aha ka hopena inā makemake ʻoe e hoʻololi i ke kālā mai kāu koena kāleka makana Visa i kāu waihona waihona?KOHO Financial. Select Send or request. First, you or the person sending the money will need to register for a Wise account. Receiving e-Transfers. Select Add a mail account. Make sure the sender creates a question that only you would know the answer to. Take a peek at this article if you’d like more info. 5% on every purchase. 4. Here are some helpful tips: Search "KOHO" in your email provider (s) and see if there are any previous messages from us. How to make updates to your personal information and login/access support. Interac e-Transfer. If you’d like to cancel your KOHO Plan instead, there are a few easy steps to follow²: Open the KOHO app. 6. KOHO has an overall rating of 3. Click To Tweet. 29 articles. Plus i got an email saying that the transfer was accepted but it was never deposed in my Koho account, and reaching Koho on their website chat is a joke, 3 days and nobody as seen my messages. KOHO Easy is a free account that helps you manage your money like a pro. Imagine being able to save for a trip with your partner, keep track of rent and expenses with your roommate, or pool money. Best for Chequing Accounts – Motusbank. quick question about KOHO etransfer. ca) and [first] [last] (ex. I feel comfortable speaking up for what I. Why can't I send a Tangerine Email Money Transfer (EMT)? Adding Funds via Direct Deposit. Check that your bank supports auto-deposit. Log into your KOHO app > click Add money > e-Transfer > KOHO (Instant) Make a note of your unique e-Transfer email. INTERAC e-Transfer TM payments can sometimes take up to 1 business day to be completed. Definition of Balance Transfer: A balance transfer involves moving existing debt from one credit card to another, often with a promotional low or 0% interest rate for a specified period. Enter your email address and/or mobile number along with the account you want them associated with. Des transfers interac qui fonctionne 1 fois sur 10. Remember that since KOHO is pre-paid this person is gaining access to your hard-earned money and we are not able to dispute charges if they were made by someone with access to your card number! If you have gone through this list and you still want to proceed with disputing this charge, please reach out to us through our in-app chat with the. Your corporate email address * First name * Last name * Company name * Job title * Newsletter: DecodedYou cannot accept an interac e-transfer with KOHO if it has been sent to your personal email address. Sent money from my debit card (TD) to my KOHO card, using the email address the app gives you for money transfers. The company says most transactions are free, with the exception of out-of-network ATM withdrawals. Write down or copy-paste your unique e-Transfer email address, which is listed under “e-Transfer yourself at this email. With Koho, all documentation related to your shipment is stored in your account and can be accessed from anywhere at any time by any member of your team who has access to the account. 2. The funds you invest in through Moka are insured by the Canadian Investor Protection Fund (CIPF). Watch your money grow and master your savings goals. Get 1% cash back on groceries, transportation, and up to 2% cash back with Essential, Extra, or Everything. transactions and can use the app to send free e-transfers, pay bills, and set savings goals. Follow. From the "Users" tab in "Settings" you can view and edit your company's users. TECHNOLOGY KOHO is purely app-based with no access available via the web. Learn more about the. Customers fund their Koho accounts through salary direct deposits and transfers from their bank accounts. Use the ‘pay someone else’ functionality in the app with your KOHO direct deposit details. To find your Wealthsimple email address, follow these steps: Log in to your Wealthsimple mobile app. With the round, Paul Desmarais III, senior vice president of Power Financial, Adam Felesky, president of Portag3, and Michael Katchen, co-founder and CEO of. Tangerine's Interac e-Transfers are a much, much quicker way of loading funds to your KOHO account 💰. Visit the online bank’s website or mobile app. You're looking at around 1 to 2 business days for global e-Transfers to land safely. It takes less than 5 minutes to sign up for after downloading it from the App Store or Google Play. 00: Social: facebook. Launched in 2017, Koho is a financial app developed by Daniel Eberhard. Pros and cons of KOHO Customers can make purchases everywhere with the Koho Card, deposit their paycheque, access more than 8,000 fee free ATMs, pay bills, and send e-Transfers. Transfer 80. KOHO is a no-fee spending and savings account here to simplify your personal finances. Create a new contact with your unique e-Transfer email you noted in step 2. What is KOHO transfer? 30. Zero Monthly Fees: Canadians pay an average of $220 in bank fees yearly. Enter the email associated with your KOHO account, and tap send reset link. The recipient receives an email notifying them of the transfer and, once they correctly answer the security question, they can deposit the money to any Canadian-dollar bank account held at a Canadian financial institution. Take a peek at this article if you’d like more info. You can update your email address in your app. Select country . Name of Register. ca). Create the exact same email address on the new server. Unlimited e-Transfers. 5% on your entire balance in the Everything Plan. 99% – 29. Step 1 – Select Interac e-Transfer. MLS (US) Premier League (UK) La Liga (ES) Serie A (IT) Bundesliga (DE) Ligue 1 (FR) News. How it works: Interac e-Transfer is an easy and accessible way to send money to anyone in Canada with a bank account and an email address or mobile phone number. you can sign up for the email list to stay in. Similar to every other email transfer you’ve ever done, the third-party sender will send the e-Transfer to the user’s unique email address found in-app (ex. For all other e-Transfers, it can take anywhere from 90 minutes to 3 hours for the recipient to receive the funds once sent!KOHO is a free, prepaid Visa card that works in conjunction with an app for your iPhone or Android device. You have to email the support the request :/. Follow the prompts to complete the cancellation and deposit the funds in your account. However, KOHO has an optional credit building service. Once the transfer has been confirmed by Wise, sit back and wait. Any e-Transfers that are not auto-deposit enabled can take up to 30 minutes. Email address: Leave. Foreign transaction fees – KOHO charges 1. Department Administrator 3. Koho also provides a suite of modern capabilities like real-time purchase updates, savings goals, instant Koho-to-Koho transfers, spending insights, live in-app support, and more. $30,000 is the maximum amount you can send in a 30-day period. Android application KOHO Financial developed by KOHO Financial is listed under category Finance. Des transfers interac qui fonctionne 1 fois sur 10. If you transfer over $500, it will take about 30 minutes. Use the ‘pay someone else’ functionality on the app. KOHO has four subscription levels: Easy; Essential; Extra; Everything; KOHO Easy costs $0/month and includes. The sender opens their online banking account, selecting to send money by email, the amount of money to send, and who will receive the funds. At KOHO we don’t charge non-sufficient funds (NSF) fees. KOHO is offering new customers a $20 (CAD) cash bonus for signing up and a $20 cash bonus for eligible referrals made. Fill in the required fields and select “opt-in. Contact Information. This fee is 100% waived with a KOHO Extra account, resulting in at least 2. To make changes to your account, head over to the profile icon > Personal Details in the KOHO app! If you need to update the name we have on file for you, we'll require a photo of your driver's licence or a utility statement. You can even browse the details of costs, terms, plans, functions, tools, and more, and find out which software offers more benefits for your business. The email address or phone number they used to reach out. They deposit dedicated funds that will. 4. Transfers will not always go through leaving you without funds for up to 3 bussiness days. I even sent them 3 emails just to be sure and i still got no news from them. Because there is no credit limit,. What is KOHO transfer? 30. Here is a list of the most common banks and Credit Unions that do not support auto-deposit: Desjardins. Step 2. Fast: Recipients are typically notified by email within seconds 1,5 that you've sent or requested money using Interac e-Transfer, and can deposit the money through. KOHO Easy is a free account that helps you manage your money like a pro. Interested in joining KOHO? Find out how to get an account here! 7 articles. Le concept est nice, mais Tangerine, c’est. Be careful when sending money: once an. There are a couple of ways to create new users: "+User" button when you want to create a single user and make detailed definitions in. ca). Earning rewards with KOHO Prepaid Mastercard is as easy as using the card for all your everyday purchases. Once the billing cycle is done you can. KOHO will pull a $10 fee from the spendable balance on your account. Koho is digitally integrated with our carriers' tracking systems so you know where your freight is at all times. Scotiabank. The full-service account comes with a reloadable Visa card that earns cashback on every purchase, and an integrated app that helps users spend. . ” Choose your recipient’s email or mobile number. Third-party E-transfers – Third-party e-Transfers are now available. Cons. : Make sure to activate your physical card or verify your identity through Selfie beforehand! 78 likes. 0 vs. Transfers will not always go through leaving you without funds for up to 3 bussiness days. May 2nd, 2018 4:41 pm. Upon signup, KOHO will perform a soft credit check to obtain your initial credit score. Expand user menu Open settings menu. Your Passcode is the 4 digit number you need to get into the KOHO app (if you. 00% regular interest rate. Step 3: escalating your complaint to an external organization. At the same time, for user satisfaction, TransferZero scored 100%, while Koho PSA scored 93%. Changelog. Koho has raised $145-million over four rounds of financing since 2016. To change your settings: Go into settings in-app and click "AutoDeposit". KOHO offers a smart spending account with no-fees. The current version is 1. I still experience delayed/slow transfers with an 'Everything' Account, despite this being listed as a (paid) feature. Check your inbox for the verification email, and click the link to complete the registration. Out over 200 bucksHere’s what to do: Sign in to your financial institution’s online banking service. To send an e-Transfer to someone all you need is their email or cell phone number. 20, 2021 /CNW/ - BMO today announced the launch of BMO Global Money Transfer – a new fast and convenient feature providing a digital solution to sending money internationally. BMO Ascend World Elite Mastercard Up to 60,000 70,000 bonus points + 4 free lounge passes per year. E lawe maʻalahi kēia iā ʻoe mai ka hoʻohana ʻana i ke kelepona USB i nā polokalamu like ʻole e komo i ke kelepona. Step 5: Add funds to your goal (optional) Step 6: Review your Savings Plan. KOHO is also a reloadable prepaid Mastercard that functions very similarly to the STACK card and has extra benefits for users to enjoy. 1. A $20 cash bonus is credited to your account balance. ("KOHO"), a Canadian corporation. Here you can match Koho PSA vs. Evadav nā koho balotaZelf is a banking institution that operates primarily in the financial technology sector. How to cancel a KOHO Plan. If you borrow books on your Kobo eReader with OverDrive, you can also read them in the Kobo app on compatible smartphones, including iOS and Android. Any e-Transfers that are not auto-deposit enabled can take up to 30 minutes. 1 day ago · The Bloomberg and iHeartMedia podcast In Trust focuses on a different but related story: the massive transfer of land out of Osage hands around the same time. The interac page shows a whole list of big name banks to send the money transfer to. The email asks me to click on a button whose link starts: " Koho Prepaid MasterCard - Page 27 - RedFlagDeals. History. Earn interest on your entire balance, get cash back on essential purchases, and send unlimited e-Transfers – all without no fees. You can also transfer money to other KOHO users instantly using their email. Koho needs to ensure that they are compliant with AML/KYC (Anti-Money Laundering/Know Your Customer) Laws, even though they aren’t a bank. How the fraudster contacted you. ca. Option 1: Using your unique KOHO email address. How to make updates to your personal information and login/access support. Tangerine Savings has a 1. Inā hāʻuleʻoe i kēia manawa,ʻaʻoleʻoe e loaʻa i nā pōmaikaʻi makemake. Renault SA and Nissan Motor Co. (855) 564-6999. Two crossed lines that form an 'X'. No minimum balance. Choose a city. 1, updated on 25/10/2023 . Visit Website. Earn up. If you were expecting an Interac e-Transfer but didn’t receive it, check your spam folders or contact the sender to make. With the round, Paul Desmarais III, senior vice president of Power Financial, Adam Felesky, president of Portag3, and Michael Katchen, co-founder and CEO of. Select Cancel > Cancel Transfer > Yes > you're all set!Vancouver financial services platform Koho has raised $8 million in additional financing from Portag3 Ventures, a fund launched last year by Canada's Power Financial Corp. [deleted] • 2 yr. Posted by u/RhinestxneCowboy - 2 votes and 1 commentThe Easy plan is totally free, so you’ll never get charged any hidden fees. Two Vancouver-based fintechs, Koho and Mogo Finance Technology, have launched mobile-enabled prepaid cards targeting Canadian millennial consumers looking to avoid the country’s notoriously high bank charges and expensive credit cards. With the KOHO Everything plan, e-Transfers sent from KOHO are instant! While the e-Transfer is instant, it may take up to 30 minutes for your recipient to receive the notification to deposit the funds. Interac e-transfers are P2P payments using Canadian debit scheme Interac’s infrastructure. The cost is $2-3 depending on the out-of-network fee the ATM you're withdrawing from charges. Think of Koho’s standard savings account as a spending account with pretty good interest (compare Koho’s 1. KOHO offers a smart spending account with no-fees. Vancouver, BC, September 26, 2017--Koho, a new financial service platform connecting Canada's mobile generation to modern, transparent and innovative financial services, today announced it has raised $8 million in. Hi reddit, I want to ask whether anyone has insight into how Interac processes E-Transfers when they’re sent. Portland, OR (HQ) 225 SW Broadway. But with KOHO, it’s your money, so you’ll never owe interest. According to Google Play KOHO Financial achieved more than 1 million installs. Use the ‘pay someone else’ functionality in the app with your KOHO direct deposit details. Enter the amount you want to send. Tap on the profile icon in the top left corner. KOHO Save currently pays a 0. And I have no complaints. ca" with your reference number and email address and they may be able to identify where the money was sent. You answered your own questions. Hi Robb,KOHO offers a smart spending account with no-fees.