KOHO $100 Bonus Code for 2026: MI4SHGR5LN
The one code most Canadians miss. Use MI4SHGR5LN, load your first $50, and KOHO pays you $100 within 24 hours. No fees, 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 $100 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 $100.
- 3. Load $50. Any method works. Interac e-transfer is fastest. The $100 bonus arrives within 24 hours of the qualifying load.
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 the $100. 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. The $100 bonus lands in your account within 24 hours of the qualifying load.
Is MI4SHGR5LN a working KOHO code in 2026?
Yes. It is verified working as of July 2026 and matches the current KOHO referral bonus structure. If a specific bonus amount changes, the playbook updates the same day.
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