Every referral program that pays real cash. KOHO leads at $40 sign-up bonus — no cap, no catch.
| Rank | Program | Per Referral | Cap |
|---|---|---|---|
| 1 | KOHO | $100 | Unlimited |
| 2 | Neo Financial | $50 | Varies |
| 3 | Scotiabank | $50-$100 | Limited |
| 4 | BMO | $50 | 5/year |
| 5 | RBC | $25-$50 | 10/year |
| 6 | TD | $25-$50 | 5/year |
| 7 | CIBC | $25 | 5/year |
| 8 | Tangerine | $25-$50 | Varies |
| 9 | Wealthsimple | $25 | Unlimited |
| 10 | EQ Bank | $20 | Varies |
→ Full list with all current offers at Bremo.io
KOHO's referral program is unmatched: $40 sign-up bonus, unlimited referrals, no monthly fees. Your friend signs up with your code, spends $20, and you both get $100. It's the highest-paying unlimited referral in Canadian banking.
Stack referrals across multiple banks. Start with KOHO (code BREMO2026) for $100/friend, add Neo (code J4C9H3K5) for $50/friend, then share the big bank offers. Bremo.io tracks every active referral bonus — browse them all.
Sign up with our referral code, make a $20 purchase, and get $100 deposited into your account. Then refer your friends — $40 sign-up bonus, unlimited.