KOHO logo

Best Budget App for
KOHO

KOHO's app shows you KOHO spending. Waypoint Budget puts your KOHO prepaid Mastercard next to your other bank, your credit card and your savings, so one budget covers all of it. KOHO transactions sync through Flinks and categorize themselves.

Get Started Free

No credit card · Free plan forever · Read-only connection

Connection

Flinks

Waypoint Budget connects to KOHO through Flinks for the most stable sync.

Account types

4 supported

Spending Account · Prepaid Mastercard · High-Interest Savings · Joint Account

Access level

Read-only

Waypoint Budget can see transactions but can never move money in or out of KOHO.

Built around how you use KOHO

Waypoint Budget is a full budgeting app, not a spending chart bolted onto your banking app.

Automatic transaction sync

Every KOHO transaction lands in Waypoint Budget within minutes, categorized and ready to review.

Smart category rules

Recurring KOHO merchants learn your categories once and stay sorted forever.

Real budget tracking

See exactly how much of your KOHO spending fits each category. No spreadsheets.

Smart Money Coach

Ask questions about your KOHO spending and get answers in plain English.

Household sharing

If your partner also banks with KOHO, share your budget without sharing logins.

Net worth and goals

Track KOHO balances over time and set savings goals that move.

Connect KOHO in under a minute

1

Create your free Waypoint Budget account

No credit card. Sign up with email, Apple, or Google.

2

Search for "KOHO" and authorize

Waypoint Budget routes you through Flinks, the same secure bank-data provider used by major fintechs. You log in with your KOHO credentials. Waypoint Budget never sees them.

3

Pick the accounts you want to budget

Bring in any of your Spending Account, Prepaid Mastercard, High-Interest Savings accounts. Skip the ones you don't want tracked.

4

Watch your budget build itself

Transactions auto-categorize. Spending shows up against your budget. Done.

Your KOHO login stays at KOHO

Waypoint Budget uses bank-grade connections through Flinks, the same providers behind apps like Wealthsimple, KOHO, and SoFi. Your credentials are never stored by Waypoint Budget, and the connection is read-only.

Read-only access
256-bit encryption
SOC 2 providers
Disconnect anytime

FAQs about KOHO + Waypoint Budget

Does Waypoint Budget sync with KOHO?
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KOHO connects to Waypoint Budget through Flinks. The KOHO app's own budgeting tools only see your KOHO account. Waypoint Budget is for the whole picture, with every account in one budget. You sign in once, accept the connection, and your transactions begin syncing. No CSV imports, no manual entry.
Which KOHO account types are supported?
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Waypoint Budget supports Spending Account, Prepaid Mastercard, High-Interest Savings, Joint Account from KOHO. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting KOHO to Waypoint Budget safe?
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Yes. Waypoint Budget never sees or stores your KOHO login. The connection goes through Flinks, the same bank-data providers used by major fintechs, and is read-only. We can never move money.
How much does it cost to connect KOHO?
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Waypoint Budget's free plan covers manual entry, CSV and PDF statement import, receipt scanning and every budgeting feature, and it stays free. Automatic KOHO sync is on Waypoint Plus (CA$7.99/mo, 1 bank connection) and Waypoint Pro (CA$12.99/mo, 5 bank connections, plus net worth and household budgeting). Paid plans start with a free trial.
What if my KOHO connection ever breaks?
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Waypoint Budget will surface the issue inside the app and walk you through a one-tap reconnect. You stay in control. Your data stays put while the connection is being restored.

Other Canadian banks supported in Waypoint Budget

Connect more than one to see your full picture.

Wealthsimple logoWealthsimpleNeo Financial logoNeoTD Canada Trust logoTDRBC Royal Bank logoRBCBMO Bank of Montreal logoBMOScotiabank logoScotia

Start budgeting your KOHO accounts today

Free plan forever. No credit card. Your KOHO accounts connect in under a minute on Waypoint Plus or Pro.

Get Started Free

4.6/5 on Trustpilot