How do I set up CRA direct deposit before April 30?

Log into your CRA My Account online, go to Profile > Direct deposit, and enter your bank account details. If you don't have a free account, open KOHO (code BREMO2026 for $100 bonus) and get your transit/institution numbers instantly.

Is it too late to set up direct deposit before the April 30 deadline?

No. You can open a KOHO account in under 5 minutes and add your direct deposit info to CRA My Account immediately after. Changes to your direct deposit information take effect for the next assessment, so do it now.

CRA Direct Deposit Setup April 30, 2026 — Get Refund 5 Days Faster

How to Set Up CRA Direct Deposit Before April 30

Open a free KOHO account (5 minutes)

Go to koho.ca or download the KOHO app. Enter referral code BREMO2026 at signup. No credit check, no monthly fees. You get your transit number and institution number instantly — exactly what CRA needs.

Log into CRA My Account

Go to canada.ca/my-cra-account. Sign in with your banking credentials (TD, RBC, Scotiabank, etc. are all accepted via sign-in partner) or your CRA username/password.

Update your direct deposit information

In CRA My Account, go to Profile → Direct deposit. Enter your KOHO transit number, institution number (828), and account number from the app. Click Save. Done.

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Frequently Asked Questions

How much faster is CRA direct deposit vs a cheque?

CRA direct deposit typically arrives 2-5 business days faster than a paper cheque. With direct deposit, most refunds arrive within 8 business days of filing. Paper cheques take 4-6 weeks — and sometimes longer.

Can I use KOHO for CRA direct deposit?

Yes. KOHO is a federally regulated Canadian fintech with a valid Canadian transit number (routing number) and institution number accepted by the CRA. Thousands of Canadians use KOHO for CRA direct deposit every year.

Is it too late to set up direct deposit before April 30?

No — there are 6 days left. Opening a KOHO account takes under 5 minutes. Once your account is open, you can immediately add it to CRA My Account. Your next tax assessment will use the new direct deposit details.

What if I already filed but want to add direct deposit?

You can update your direct deposit information in CRA My Account at any time — even after filing. If your return hasn't been processed yet, CRA will use your updated banking information for the refund.

What is KOHO's institution number and transit number?

KOHO's institution number is 828. Your personal transit number and account number are shown in the KOHO app under Settings → Accounts → Account details. These are the numbers you enter in CRA My Account.

What other free Canadian accounts work for CRA direct deposit?

Neo Financial (code J4C9H3K5 for $50 bonus), Simplii Financial, EQ Bank, and Tangerine all work for CRA direct deposit. KOHO offers the highest signup bonus at $100.

CRA Direct Deposit Before April 30:Get Your Refund 5 Days Faster