Get a $20 sign-up bonus plus 3 months of KOHO Everything plan free ($27 value). Real partner-tracked promo through bremo.io, valid in every province and territory.
Paid into your KOHO account within 7 days of funding your account and making your first $20+ in spend.
3 months of premium tier on the house — up to 5% interest on balance, credit builder, virtual cards, and travel insurance.
Open and run your KOHO Spend & Save account with zero monthly cost. Cancel anytime. Funds are CDIC-eligible.
No paperwork. No phone call. Just a free Canadian KOHO account and a $20 head start. Here's the four-step path.
Tap the code above. We'll copy it to your clipboard automatically.
BREMO2026 auto-applies. Confirm it appears in the promo field at signup.
Quick selfie + ID photo. KOHO is regulated as a Canadian fintech.
Add at least $20, spend $20+ with your KOHO card, and KOHO credits the bonus within 7 days.
If you have a valid Canadian SIN and address, you can open a KOHO account anywhere in the country. The promo code BREMO2026 works the same coast to coast.
Premium tier of KOHO. Normally $9/month. With BREMO2026, free for 90 days. Cancel anytime; downgrade to the free tier without losing your account.
On select categories including groceries, transportation, and food & drink with Boost-tier activation.
Earn interest on your entire KOHO Spend & Save balance with Everything tier — no separate savings account required.
Build your credit score with a $10 monthly subscription (included free in the Everything plan) reported to Equifax.
KOHO Everything includes complimentary travel medical coverage for trips up to 15 days, no separate purchase required.
Generate up to 20 virtual KOHO cards for online shopping, subscriptions, or one-time merchant payments.
Hold and spend US dollars without conversion fees on every transaction. Convert in-app at near-spot rates.
Side-by-side with three of Canada's most-searched no-fee chequing alternatives. KOHO is the only one giving you a $20 sign-up bonus plus 3 months of premium tier in 2026.
| Feature | KOHO + BREMO2026 | Tangerine | Simplii | EQ Bank |
|---|---|---|---|---|
| Monthly fee | $0 (Everything free 3 mo) | $0 | $0 | $0 |
| Sign-up bonus | $20 + 3 mo Everything | Up to $400 (with hoops) | $300 (with hoops) | — |
| Interest on chequing | Up to 5% | 0.05% | 0.05% | 3.50% |
| Cash back | Up to 5% (Boost) | — | — | 0.50% card |
| Credit building tool | Yes (included) | — | — | — |
| CDIC insured | Yes (Peoples Trust) | Yes | Yes (CIBC) | Yes |
| Time to open | ~5 min | ~10 min | ~10 min | ~10 min |
Open your KOHO account with promo code BREMO2026. Available everywhere in Canada. CDIC-eligible. No monthly fees.
Bremo.io is an affiliate of KOHO Financial Inc. and may receive compensation when readers open a KOHO account through links on this page. Promo code BREMO2026 is partner-tracked via Impact.com and triggers KOHO's published $20 sign-up bonus plus 3 months of KOHO Everything plan free for eligible new Canadian accounts. To qualify for the $20 bonus you must: be a Canadian resident with a valid SIN, complete KOHO's identity verification, fund your KOHO account with at least $20, and spend $20 or more with your KOHO card within KOHO's stated qualifying period. KOHO Everything plan free-trial reverts to the regular $19/month rate after 90 days unless cancelled. Eligible KOHO deposits are insured by the Canada Deposit Insurance Corporation through Peoples Trust Company. KOHO is a trademark of KOHO Financial Inc.; this page is operated by Bremo.io and is not endorsed by KOHO. Terms may change — see KOHO's site for the most current promo terms.
Last updated: 2026-05-14. Page operated by Bremo.io. bremo.io