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Cancel KOHO
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Cancellation service #1 in India
4.9Average rating from reviews
I hereby notify you of my decision to terminate the contract relating to the Koho service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Koho: Easy Method
What is Koho
Overview
Koho is a Canadian fintech that provides a no‑fee spending account, a prepaid Visa card, budgeting tools and optional paid plans with added benefits like cashback, interest on balances and travel perks.
How it operates
Koho issues accounts and services from Canada; pricing and billing are in CAD. Indian users access Koho through its app or web interface but Koho does not have an India‑based office.
How to cancel Koho
Cancel a paid plan (app)
- Open the KOHO app → My Plan → Change my plan → Cancel my plan.
- Confirm the cancellation; benefits continue until the end of the current billing period.
- Source summary: cancellation steps are documented in third‑party guides.
Cancel a paid plan (web)
- Log in at the Koho web portal → My Plan → Manage my plan → Cancel plan.
- Confirm onscreen and keep a screenshot or confirmation email for records.
- See external instructions for web navigation.
Cancel specific features
- Cover (cash advance): in the app go to Cover → Settings → Cancel Cover; cancellation stops future billing but outstanding advances remain due.
- CyberScout insurance: cancel in app under Discover → CyberScout → Cancel. Coverage remains until the current billing cycle ends. (Koho Help: CyberScout)
- International money transfers: can sometimes be cancelled only during a short setup/awaiting‑info window (≈3 minutes); once funds are sent cancellation is not possible.
What happens when you cancel
Access and benefits
When you cancel a paid Koho plan you retain the plan benefits until the end of your current billing period. After that date your account reverts to the free/basic tier unless you resubscribe.
Outstanding balances and features
Canceling Cover stops future billing but does not remove the obligation to repay any outstanding cash advance; unpaid amounts may be collected after the subscription ends.
Data and account status
Your Koho account data remains with Koho per their policies. If you close an account entirely, follow Koho’s closure process and keep copies of confirmation for future disputes.
Will I get a refund?
Plan refund policy
All KOHO plan purchases are non‑refundable. Cancelling prevents future billing but does not refund the current billing period. (Koho Help: Plan refund policy)
Merchant refunds and timing
Merchant refunds to your Koho card typically post to your account within 2 - 3 business days, though they may take up to 7 business days depending on the merchant and processing times. (Koho Help: Refund timing)
Refunds to cancelled or locked cards
Refunds can be processed to cancelled or expired cards and will arrive to your Koho account rather than a physical card. Locked cards should be unlocked before expecting a refund; otherwise a refund may be declined. (Koho Help: Refunds to cancelled/locked cards)
Koho plans and pricing
Pricing table
| Plan | Price (INR) | Period | Features |
|---|---|---|---|
| Essential | ₹0.00 | monthly | Free plan, basic features |
| Extra | ₹791.28 | monthly | 2% cashback on groceries, 2.5% interest, no foreign transaction fees |
| Extra | ₹9,497 | annual | Same as monthly Extra, billed annually |
| Everything | ₹973 | monthly | 2% cashback, 4% interest, no FX fees, travel perks |
| Everything | ₹11,671 | annual | Same as monthly Everything, billed annually |
| Credit Building (Standard) | ₹659 | monthly | Optional credit‑building line subscription |
| Credit Building (Extra Discount) | ₹462 | monthly | With Extra Plan (30% off) |
| Credit Building (Everything Discount) | ₹330 | monthly | With Everything Plan (50% off) |
Pricing notes
Prices above are converted from CAD to INR using an exchange rate reference and are approximate. Koho bills in CAD and does not publish official INR pricing.
Where prices come from
Displayed INR values reflect conversion guidance; your actual INR charge will depend on the exchange rate and any bank or card conversion fees at the time of billing.
Your consumer rights in India
Cooling‑off and refunds
There is no statutory 14‑day cooling‑off right that automatically gives refunds for fintech subscriptions; you must rely on Koho’s specific terms for plan or feature cancellations. (External guidance explains this for similar services.)
Chargebacks and dispute timelines
For unauthorized transactions or disputes, Koho provides a chargeback/dispute process (typically must be initiated within 90 calendar days). Resolution can take several weeks. Refer to Koho’s dispute options before the deadline.
Escalation in India
If Koho fails to resolve serious issues (fraud, missing funds, persistent service failure), Indian users may file complaints with local consumer protection bodies under the Consumer Protection Act, 2019 for deficiency in service or unfair trade practices.
Customer experiences
Positive feedback
- Users praise Koho for low/no fees, intuitive budgeting tools, early direct deposit features, cashback and interest on balances. (See external reviews for aggregate ratings.)
Negative feedback
- Common complaints include slow or automated customer support, unexplained account closures and difficulties resolving fraud or refund disputes.
- Forums report instances of fraudulent charges and slow reimbursements; resolution quality appears mixed.
Sources and balance
For aggregated positive summaries see independent review coverage. Community threads detail negative experiences - use both perspectives when assessing risk.
Helpful reading: HonestBrandReviews: Koho and a user discussion: Reddit: fraud discussion.
Documentation checklist
What to collect before cancelling
- Account screenshots showing plan, billing date, and plan status.
- Transaction records for any disputed payments (dates, amounts, merchant names).
- Confirmation screenshots or emails of cancellation steps and messages from Koho support.
Proof for disputes
- Receipts or merchant correspondence for refunds that were promised but not received.
- Government ID and any account verification documents if required for escalation.
Common mistakes
Expecting automatic refunds
Many users assume cancelling a paid plan triggers a pro‑rata refund. Koho’s policy is that plan purchases are non‑refundable for the current billing period.
Always check the plan refund policy before cancelling to avoid surprises.
Missing dispute deadlines or not unlocking cards
Waiting too long to initiate a chargeback can forfeit your right to dispute a transaction; act promptly and keep supporting evidence.
If expecting a merchant refund, ensure the card/account is not locked - locked cards can lead to declined refunds or processing delays.
Comparative recap
Key features comparison
| Feature | Koho | Notes |
|---|---|---|
| Fees | No monthly fee for Essential; paid plans add benefits | Paid plans are non‑refundable for current periods |
| Cashback & interest | Available on Extra/Everything plans | Rates vary by plan; see pricing table above |
| Customer support | App/web support; mixed user reports | Some users report slow or automated responses |
| Fraud protection | Chargeback/dispute options exist | Resolution timelines can be long; keep records |
Quick takeaway
Koho is attractive for no‑fee basics and rewards on paid plans, but Indian users should mind CAD billing, no automatic refunds for plans, and prepare documentation for disputes.
After cancelling
What to monitor
- Check your Koho account for confirmation that the plan is cancelled and the end date of the current billing period.
- Monitor transactions and merchant refunds for up to 7 business days or as advised by the merchant.
Useful links
- Koho Help: Plan refund policy
- Koho Help: When will I see a return or refund
- Koho Help: Refunds to cancelled/locked cards
- Koho Help: Cancel CyberScout
- Guide: How to cancel Koho (third‑party summary)
Address
Koho corporate address
Koho Financial Inc., 33 Bloor Street East, Suite 300, Toronto, Ontario M4W 3H1, Canada.
Notes for Indian users
Koho operates from Canada and has no India‑based postal office. For legal or consumer escalation in India, use local consumer protection channels and keep documentation of all interactions with Koho.