No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
The only verified Canadian KOHO code for April 2026. Get $100 free when you sign up — no monthly fees, no credit check.
Click the button below to go to KOHO's signup page. Using our link ensures you get the $100 referral bonus — it cannot be added after the fact.
Enter your name, email, and a password. KOHO does not run a credit check. The process takes about 3 minutes.
When prompted during signup, enter promo code BREMO2026. This locks in your $100 bonus.
Make any purchase of $20 or more with your KOHO virtual or physical card within your first 30 days. Groceries, transit, online purchases all count.
Once you hit the $20 spending threshold, $100 is automatically deposited into your KOHO balance. No forms, no waiting.
Use code BREMO2026 and spend $20 in 30 days. One of the highest free bonuses in Canadian banking.
KOHO Essential is permanently free. No minimum balance, no hidden fees, no gotchas.
Every purchase earns 0.5% back automatically. No categories to track, no quarterly activations.
Start spending within minutes. No waiting for a physical card to arrive — use Apple Pay or Google Pay right away.
Funds held with Peoples Bank of Canada, a CDIC member institution. Your money is protected up to $100,000.
Check your credit score anytime in the KOHO app. No impact on your credit.
Takes 3 minutes. No credit check. No monthly fees. $100 deposited after your first $20 purchase.
Bremo is a KOHO referral partner. We earn a commission when you sign up using our link. Offer subject to KOHO terms.