KOHO is a Canadian money app with a prepaid Mastercard; budgeting is built into the app. Xpenses is not an account or a card: it plans the month across the accounts you already have at any bank and tells you what will be left at month end. If you want your budget inside the account you spend from, KOHO puts both in one place.
| KOHO | Xpenses | |
|---|---|---|
| What it is | A money app with a prepaid Mastercard; budgeting built in: spending caps by category, fixed and variable costs, recategorizing transactions | A planning app for the accounts you already have, at any bank |
| Price | Plans at $0, $12 or $14.75 a month | Free plan; Pro $4.99/month or $44.99/year, plus applicable sales tax |
| Free trial or free plan | $0 plan; every plan comes with a free 30-day trial | Free plan with no time limit (one bank account) |
| Platforms | iPhone and Android apps | Web app on any device; iPhone and Android apps in preparation |
| French | Canadian App Store listing: English and French | English and French |
KOHO is the better fit if…
KOHO suits people who want a spending account, a prepaid Mastercard and a budget in one app, with a $0 plan.
Xpenses is the better fit if…
Xpenses suits people who keep their bank, want every account in one month-end forecast, and want bills marked paid in one tap or a wallet shared with a partner.
Sources
- KOHO accounts and plans (2026-10-12)
- KOHO: Best Budgeting Apps in Canada (2026-10-12)
- KOHO on the App Store (Canada) (2026-10-12)
- KOHO on Google Play (2026-10-12)
Xpenses prices and features as of October 11, 2026.