KOHO for Travelers: No Foreign Fees Guide (2025)
Discover why KOHO is the perfect travel card for 2025. Learn how its no-FX-fee accounts, budgeting tools, and security features help you save money abroad.
Planning a trip is one of the most exciting things you can do. Whether you’re dreaming of backpacking through Southeast Asia, exploring European cities, or just taking a weekend road trip across the border, your adventures are full of possibilities. But let’s be honest, figuring out the money part can be a major headache. How do you avoid expensive fees? How do you stick to a budget in a foreign currency? And how do you keep your money safe while you’re on the move?
For a long time, travelers had to rely on carrying large amounts of cash, expensive traveler’s cheques, or credit cards that hit them with surprise fees. Thankfully, your wallet has gotten a major upgrade. A new generation of financial tools is making it easier, cheaper, and safer to manage your money abroad. At the front of that pack is KOHO, a smart spending account with a reloadable prepaid Mastercard and a powerful app. Don’t travel without this travel-ready KOHO promo code to start your trip with extra cash.
If you’re getting ready for your next adventure, this guide will show you why KOHO is the ultimate travel companion for 2025. Let’s dive into how it can help you save money, stay on budget, and travel with total financial peace of mind.
Say Goodbye to Pesky Foreign Transaction Fees
One of the most frustrating parts of spending money abroad is getting hit with foreign transaction (FX) fees. Most traditional credit and debit cards charge you a fee of around 2.5% on every single purchase you make in a different currency. It might not sound like much, but it adds up incredibly fast. If you spend $2,000 on your trip, that’s an extra $50 you’re paying in fees for no reason—money that could have been spent on a nice dinner or a memorable experience.
How KOHO Helps You Save
This is where KOHO really stands out for travelers. With a premium KOHO account, you can say goodbye to these annoying fees.
- Zero Foreign Transaction Fees: With a KOHO Essential or Everything plan, you pay 0% in FX fees on all your purchases abroad. The app uses Mastercard’s competitive exchange rate, and that’s it. No extra 2.5% charge. This feature alone can save you a significant amount of money on any international trip. Save on FX fees and use that extra cash from the KOHO promotion.
- Transparent Exchange: You’re not just saving money; you’re getting clarity. When you make a purchase, the KOHO app can show you the transaction in both the local currency and in Canadian dollars, so you always know exactly what you’re spending.
Imagine buying souvenirs, paying for train tickets, and enjoying local cuisine without having to do mental math to figure out how much extra your bank is charging you. That’s the freedom KOHO gives you.
Your Personal Budgeting Tool for Any Currency
Sticking to a budget is tough enough at home, but it can feel nearly impossible when you’re in a new country with a different currency. It’s easy to lose track of your spending when you’re dealing with Euros, Pesos, or Baht. Before you know it, you’ve spent way more than you planned.
KOHO’s app is designed to be your travel budgeting sidekick, giving you the real-time information you need to stay in control, no matter where you are in the world.
Features That Keep You on Track
- Instant Spending Notifications: The moment you tap your card at a Parisian café or a market in Mexico, you get a notification on your phone showing the purchase amount. This instant feedback keeps you constantly aware of your spending and your remaining balance.
- Automatic Spending Categories: The app automatically sorts your purchases into categories like “Food,” “Transportation,” or “Entertainment.” You can see at a glance where your money is going, making it easy to identify if you’re splurging too much on dinners out or souvenirs.
- Set a Travel Budget Goal: Before you even leave, you can load your total trip budget into your KOHO account. This creates a clear separation between your travel fund and your regular money back home. You can only spend what you’ve loaded, which is the ultimate tool for sticking to your budget and avoiding post-vacation debt.
Think of your KOHO account as your dedicated travel wallet. It’s a simple and effective way to ensure you don’t accidentally dip into the money you need for rent when you get back.
Get Rewarded for Your Vacation Spending
What if your travel card didn’t just save you money on fees, but actually paid you to go on vacation? That’s what KOHO’s cashback program does.
While a regular debit card offers no rewards, and many travel credit cards have complicated points systems, KOHO keeps it simple. You earn cashback on your spending, which is instantly credited back to your account. With a premium plan, you earn a percentage back on categories like food and transportation—two of the biggest expense categories for any traveler.
This means you’re earning money back when you buy a train ticket, grab lunch, or even stock up on snacks at a local grocery store. It’s like getting a small discount on your entire trip.
Travel with Enhanced Security and Peace of Mind
Keeping your money safe is a top priority for any traveler. Losing your wallet or having your card information stolen can turn a dream vacation into a nightmare. KOHO offers several layers of security that are far superior to carrying cash or using a traditional debit card.
A Firewall for Your Finances
- A Separate Spending Account: Because KOHO is a reloadable account, it’s not directly linked to your main bank account where you keep your life savings. If your KOHO card were ever lost or compromised, a thief could only access the funds you’ve loaded onto it for your trip, not your entire savings. This acts as a crucial firewall, protecting your primary funds back home.
- Instantly Lock Your Card: Misplaced your card after a long day of sightseeing? Don’t panic. You can instantly lock your card right from the KOHO app. If you find it a few minutes later in your bag, you can unlock it just as easily. This gives you immediate control and peace of mind that no one else can use your card.
- Secure Virtual Cards: For booking flights, hotels, or tours online, you can create a secure virtual card within the app. This is a unique card number that is separate from your physical card, adding another layer of protection against online fraud.
With these security features, you can explore with confidence, knowing that your money is protected.
Your All-in-One Travel Finance Solution
Your travels should be about making memories, not stressing about money. You need a financial tool that is flexible, affordable, and secure—a tool that works for you, no matter where you are in the world.
KOHO is more than just a card; it’s a complete travel finance system. It saves you money on fees, helps you stick to your budget with real-time insights, rewards you for your spending, and keeps your money safe. It takes the guesswork and anxiety out of managing your finances on the road, so you can focus on what truly matters: enjoying your adventure.
So before you pack your bags for your next trip, make sure you pack the smartest travel card of 2025. Your wallet—and your peace of mind—will thank you.
Ready to travel smarter? Get your KOHO referral code here and start your adventure with the KOHO referral code 2025!
