Referral Bonus Code for 2026: MI4SHGR5LN
Use MI4SHGR5LN in the referral field, then load your first $50. KOHO sets the bonus amount and the timing, so check the terms shown at signup. No monthly fee, no credit check.
The $2,500 Canadian Bank Stack Playbook
Five accounts, four weeks, the exact order to open them. All current bonuses tracked and updated.
How to claim the referral bonus in three steps
- 1. Start signup. Open the KOHO app or web signup.
- 2. Enter code MI4SHGR5LN. Put it in the referral or promo code field. This is the only step that unlocks the referral bonus.
- 3. Load $50. Any method works. Interac e-transfer is fastest. The bonus arrives on KOHO's own schedule once the load qualifies.
Why this bonus is worth it
KOHO takes about six minutes to sign up on your phone. No credit check, no monthly fee, no minimum balance. You keep every dollar you load, plus whatever the current referral bonus is. Most Canadians never see this bonus because it only unlocks with a valid referral code.
What KOHO actually is
KOHO is a Canadian prepaid Mastercard. You load money in, spend with the card or send Interac e-transfers, and earn cashback on categories you choose. The Extra and Everything tiers add faster payroll access, credit building and higher cashback percentages. The base account is free forever.
Frequently asked
How do I use the KOHO code MI4SHGR5LN?
Enter MI4SHGR5LN in the referral field when you create your KOHO account. Load at least $50 within your first week. KOHO sets the bonus amount and the timing, and both can change, so check the offer terms shown on the KOHO signup screen before you load.
Is MI4SHGR5LN a working KOHO code in 2026?
It is a personal referral code shared by Bremo's founder. KOHO sets referral amounts and can change them, so confirm the current terms on the signup screen.
Does KOHO run a credit check to sign up?
No. KOHO is a prepaid card, not a credit product. Signup uses identity verification only. Your credit score does not change.
Can I use both the KOHO code and stack other bank bonuses?
Yes. The full stack playbook combines KOHO with Simplii, Tangerine, EQ and Neo for about $2,500 total. KOHO is week one because it is the fastest to pay out.
Ready to start stacking?
Get the free playbook with every current bonus, the exact order to open accounts, and the codes that still work in 2026.
See the full KOHO signup guide