Updated September 28, 2026 · SumCue Editorial Team
Banco Inter vs KOHO
Banco Inter
Higher score in this comparison
KOHO
What sets them apart
| Compare | Banco InterReviewSee alternativesSee alternatives | KOHOReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | R$0 | CA$0 |
| Rewards rate | cashback on all purchases | up to 5% cashback on debit purchases; 3.5% high-interest savings |
| APR | Not confirmed | 19.9% to 34.9% |
| Perks | Not confirmed | No e transfer fees, No ATM withdrawal fees, No hidden fees, Virtual card instant issuance, Credit building tools |
| Cashback rate | Not confirmed | 5% |
Same on both: Currency conversion fee (0%), Rewards type (Cashback), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Banco Inter scores higher overall: 9.4 vs 8.8.
- Founded is lower at Banco Inter: 1994 vs 2014.
- Support channels: only KOHO offers Chat.
- Pricing model: only Banco Inter offers Commission free.
- Pricing model: only KOHO offers No annual fee.
- Features: only Banco Inter offers Crypto, Mobile app.
- Features: only KOHO offers Same day funding, Credit line.
Our verdict on each
Banco Inter
Banco Inter pairs a Brazilian bank with a brokerage, which suits investors who want shares, ETFs, funds, bonds and crypto under a single app. The account fee is BRL 0, and banking, cards and the brokerage all sit in the same app for anyone starting small.
KOHO
KOHO suits Canadian members in several provinces who want spending, saving and a credit line in one app, with an annual fee of CAD 0 and borrowing at 19.9% to 34.9%. The trade-off is that it is a broker, so terms depend on the partner lender.
Score breakdown
| Area | Banco Inter | KOHO |
|---|---|---|
| Cost | 9.5HigherThe minimum deposit is BRL 0 and the currency conversion fee on the global account card is 0%. | 8.6 |
| Offer | 8.8 | 9.3Higherpersonal, credit line and bnpl sit alongside same day funding and a prepaid card, with savings paying 2% on a variable rate. |
| Trust | 9.6Higher | 8.5 |
How they place
| Ranking | Banco Inter | KOHO |
|---|---|---|
| Savings | 134 of 1492 | 634 of 1492 |
| Credit and debit cards | 162 of 1594 | 693 of 1594 |
Every fact side by side
| Fact | Banco Inter | KOHO |
|---|---|---|
| Pricing model | Commission free | No annual fee |
| Features | Crypto, Mobile app | Same day funding, Credit line |
| Legal entity | Banco Inter S.A. | KOHO Financial Inc. |
| Headquarters | Brazil | Canada |
| Founded | 1994Lower | 2014 |
| Support channels | Phone, Help centre | Chat, Phone, Help centreCovers more |
Debit cards
| Fact | Banco Inter | KOHO |
|---|---|---|
| Monthly fee | R$0 | CA$0 |
| Card type | Debit | Prepaid |
| Card network | Mastercard | Mastercard |
Savings
| Fact | Banco Inter | KOHO |
|---|---|---|
| Headline rate | Not confirmed | 2% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | R$0 | CA$0 |
| Access terms | Not confirmed | On-demand access any time; free, unlimited Interac e-Transfers; no transaction or inactivity fees |
| Account kind | Not confirmed | Easy access |
Where each stands against the rest
| Fact | Banco Inter | KOHO | Median |
|---|---|---|---|
| APR | Not confirmed | 19.9% to 34.9%above the median | 11.635 |
| Currency conversion fee | 0%below the median | 0%below the median | 1% |
| Cashback rate | Not confirmed | 5%highest quarter | 1.5% |
Median across 486 listed providers.
Pros and cons
Banco Inter
Pros
- Trading runs on a commission free model and each stock trade costs $0, so frequent dealing adds nothing to the bill.
- The listed markets are stocks, etfs and funds, which covers the usual exchange traded assets plus crypto in the same account.
- The credit card has an annual fee of BRL 0 with cashback on all purchases, and runs on the mastercard network.
Cons
- Support runs on phone and help centre only, so live chat and email are not among the listed routes.
- Crypto sits alongside the other markets, and across the brokers compared here 70.15% of retail accounts lose money.
- The provider is a Brazilian bank, Banco Inter S.A., so the deposit, account fee and rules are denominated in Brazilian reais.
KOHO
Pros
- No monthly charge, with a CAD 0 monthly fee and a CAD 0 annual fee on the card account
- Spending earns 5% cashback, and virtual cards issue instantly
- The credit check is soft prequal, so prequalification does not need a full credit file
Cons
- Lending runs through partners, so the rate sits inside 19.9% to 34.9%
- Loan amounts run CAD 1,000 to CAD 15,000, so a large renovation loan sits outside the range
- Support runs on chat, phone and help centre only
Who each suits
Banco Inter
Who it suits
- Brazilian investors who want stocks, ETFs, funds, bonds and crypto in a single app.
- People who bank with the same provider and want a card paying cashback on all purchases next to the brokerage.
- Newcomers to investing, since the minimum deposit is BRL 0 and the model is commission free.
Who should look elsewhere
- Anyone wanting a euro account with a stated opening deposit, since bunq requires €10.
- Traders after forex or derivatives, since the markets listed here are stocks, etfs and funds and CFI asks for $0 to start.
KOHO
Who it suits
- Members resident in Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia or British Columbia
- People who want spending, saving and borrowing in a single app without a monthly charge
- Borrowers planning home improvement who need a revolving credit line rather than a fixed loan
Who should look elsewhere
- Anyone outside those Canadian provinces, since eligibility is limited by province
- Borrowers who need a larger loan, since amounts run CAD 1,000 to CAD 15,000
- Readers after a long fixed term loan rather than a revolving line for home improvement
Current offers
KOHO
Current offer
Country by country
| Country | Banco Inter | KOHO |
|---|---|---|
| Brazil | Yes | No |
| Canada | No | Yes |
Questions about each
Banco Inter
What does it cost to open a Banco Inter account?+
The minimum deposit is BRL 0 and the account fee is BRL 0, with a monthly fee of BRL 0 on the banking side. The brokerage is separate from that and runs on a commission free model, so there is no standing charge for holding it.
How much does it cost to buy a share?+
The stock trade fee is $0, and the published fee schedule describes a commission free model for dealing. Other costs sit elsewhere: an account fee of BRL 0 on the bank side and a currency conversion fee of 0% on the global account card.
KOHO
What does KOHO cost to hold?+
Nothing to hold it. The card account carries a CAD 0 annual fee and a CAD 0 monthly fee, and there is no charge for holding the account. Spending on the card earns 5% cashback rather than a points scheme, with cashback as the cashback.
Is there a foreign transaction fee on the KOHO card?+
No. The currency conversion fee is 0%, so spending abroad costs nothing beyond the card network's own exchange rate. Interac e-Transfers are free and unlimited, and the account adds no transaction or inactivity fees.
Other options to compare
Banco Inter
KOHO