Canadian Exclusive

Get $80 free today with KOHO

No-fee banking that pays you. Sign up with our code, spend $200, and get $600 instant bonus. Refer friends for $80 each. Zero monthly fees, zero hidden charges.

Get $80 Now

YOUR REFERRAL CODE

45ET55JSYA

3 simple steps to $800

No credit check. No monthly fees. Get started in 5 minutes.

Sign up with code

Use referral code 45ET55JSYA when you sign up. Takes 3 minutes. No credit check required.

Spend $200

Make any purchase of $200 or more within 30 days. Coffee, groceries, gas — anything works.

Get $600 instantly

Your $600 bonus hits your account instantly after your first $200 purchase. That's $800 total in your pocket.

Why KOHO beats traditional banks

Zero Fees

No monthly fees, no minimum balance, no overdraft fees. Keep 100% of your money.

Build Credit

KOHO reports to credit bureaus. Build your credit score while you bank.

Earn Cashback

Get up to 5% cashback at select merchants. Your everyday spending pays you back.

Instant Notifications

Real-time spending alerts. Always know where your money goes.

100% Secure

Your money is insured and protected. Bank-level security, modern tech.

Instant Setup

Open an account in 5 minutes. No branch visits, no paperwork.

Trusted by 50000,000000+ Canadians

"Signed up with the code, spent $200 at Starbucks, and got $600 the same day. Easiest money I've ever made. Now I'm referring all my friends."

Marcus T.

Toronto, ON

"Finally ditched my big bank. No monthly fees, instant notifications, and I got $800 just for switching. KOHO is what banking should be."

Sarah K.

Vancouver, BC

"I've referred 3 friends already. $80 per referral = $240 + my $20 signup bonus. That's $260 total. Zero effort."

Jordan L.

Montreal, QC

Frequently Asked Questions

How do I get the $600 bonus?

Sign up with code 45ET55JSYA, then make any purchase of $200 or more within 30 days. Your $600 bonus is credited instantly after your qualifying purchase.

Is there a credit check?

No. KOHO is a prepaid card, not a credit card. No credit check required to sign up.

Are there any monthly fees?

The basic KOHO account has zero monthly fees. Premium plans (KOHO Extra, KOHO Everything) have optional fees but include additional perks like higher cashback and credit building.

How do referrals work?

After you sign up and get your $600, you'll get your own referral code. Share it with friends. When they sign up with your code and spend $200, you both get $80.

How long does it take to get the bonus?

The $600 signup bonus is credited instantly after your qualifying $200 purchase. Referral bonuses ($800) are also instant when your friend qualifies.

Can I use KOHO for direct deposit?

Yes! KOHO works like a regular bank account. You can set up direct deposit for your paycheque, transfer money in/out, pay bills, and more.

Is my money safe?

Yes. KOHO is regulated by FINTRAC and your funds are held at a licensed Canadian financial institution. Your money is protected.

What if I don't spend $200 within 30 days?

You'll still have a KOHO account with zero fees, but you won't receive the $600 signup bonus. Make sure to spend at least $200 within your first 30 days to qualify.