Postclic is an independent certified electronic mail service. We are neither affiliated with, nor partners of, nor mandated by Koho, whose name is mentioned solely to identify the recipient of your letter. The trademarks and logos cited belong to their respective owners.
Postclic premium unlimited: promotional offer at ₹92.44 for 48h, then ₹5,032.79 per month without commitment
Send an e-Postclic to Koho
Tracked, timestamped, and certified digital mail
What type of action would you like to take?
Choose the type of mail to generate. The template will be adapted automatically.
The form then adjusts based on your choice
Cancellation service #1 in India
Digital mail
certified, timestamped, tracked, and
recorded on the blockchain
delivered instantly worldwide
Postclic unlimited plan
Promotional offer at ₹92.44 for 48 hours
then no commitment, ₹5,032.79 per month
to keep966649193710
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.
Similar cancellation services
Verify a sent letter
Already sent a letter? Enter its tracking number to see its proof of dispatch and certified timestamp.
Written by Reyansh Kapoor
Former postal advisor · 4 years experience
Former postal-services advisor and e-signature specialist, I have been writing for Postclic for 4 years to demystify legally binding mail for everyday users.
FAQ
To cancel your Koho paid plan via the app, open the KOHO app, go to My Plan, select Change my plan, and then tap Cancel my plan. Make sure to confirm the cancellation and keep proof of the action.
When you cancel your Koho plan, you will retain the benefits until the end of your current billing period. After that, your account will revert to the free plan unless you resubscribe.
No, all Koho plan purchases are non-refundable. Cancelling prevents future billing but does not refund the current billing period. For more details, check your plan's terms.
To cancel CyberScout insurance, go to the app under Discover, select CyberScout, and then tap Cancel. Coverage will continue until the end of the current billing cycle.
To cancel your Koho account entirely, follow the closure process outlined in Koho's help documentation. Ensure you keep a copy of any confirmation for future reference.