Bremo.io

Tax Deadline: April 30, 2026

Get your CRA refund 2-3 days faster — set up direct deposit to KOHO (free account, code BREMO2026 for $100 bonus).

KOHO's direct deposit feature lets you receive your paycheque up to 3 business days before your official pay date. Here's how to set it up and what you need to know.

Get Paid Early + $100 Bonus with Code BREMO2026

Open KOHO — Get $100 Free

Use our exclusive sign up for a $40 bonus cash deposited in your new account.

BREMO2026

KOHO Direct Deposit Banking Details

To set up direct deposit with KOHO, provide your employer or benefits provider with these banking details:

Your KOHO Direct Deposit Information

Find your personal KOHO account number in the app: go to Home → Settings → Direct Deposit or look under your account details. Your account number is unique to you.

Important: KOHO is a financial services provider powered by Peoples Bank of Canada (institution number 838). The transit number 0000 is used for all KOHO accounts. Always double-check these numbers in your KOHO app as they are shown on your personalized direct deposit form.

How to Get Paid 3 Days Early with KOHO

KOHO's "Get Paid Early" feature releases your direct deposit funds up to 3 business days before your official pay date, as soon as KOHO receives the deposit notification from your employer's bank.

⚡

Up to 3 Days Early

Receive your paycheque up to 3 business days before your scheduled pay date.

🔄

Automatic

No action required. Once your employer sends payment, KOHO releases it immediately.

💵

Full Amount

Receive your full direct deposit — not a portion. No fees for early access.

🏛️

All Plans

Early pay is available on all KOHO plans, including the free Essential plan.

How to Set Up KOHO Direct Deposit — Step by Step

Open the KOHO App

Log into your KOHO account. If you don't have one yet, sign up using code BREMO2026 to get $40 sign-up bonus.

Find Your Direct Deposit Details

Go to Home → Settings → Direct Deposit or tap on your account number. You'll see your transit number (0000), institution number (838), and your personal account number.

Download Your Direct Deposit Form

KOHO provides a pre-filled direct deposit authorization form you can download directly from the app. This is the easiest way to give your employer the correct information.

Submit to Your Employer or Benefits Provider

Give the form to your HR or payroll department, or fill in the information directly on your employer's direct deposit form. For government benefits (CPP, EI, OAS), you can update direct deposit information through My CRA Account online.

Wait for Your First Deposit

Direct deposit changes typically take 1–2 pay cycles to take effect. Once your employer processes the change, your next paycheque will be sent to your KOHO account — and you may receive it up to 3 days early.

Who Qualifies for KOHO Early Pay?

The "Get Paid Early" feature works for most direct deposits. Here's what you need to know:

Works with: Most employer direct deposits, government benefits (EI, CPP, OAS, child benefits)
All KOHO plans — Essential, Extra, and Everything all include early direct deposit
No minimum amount required to qualify
Timing depends on when your employer's bank sends the payment notification
Early pay is not guaranteed — it depends on when KOHO receives advance notice from the payment network

How early pay works: When your employer initiates payroll, a notification is sent through the Interac or EFT network in advance. KOHO reads this notification and releases your funds immediately rather than waiting for the official settlement date, which is typically the next business day.

KOHO Direct Deposit vs Other Banks

Institution	Early Direct Deposit	Fee for Direct Deposit	Monthly Banking Fee
KOHO (all plans)	✓ Up to 3 days early	Free	Free–$19/mo
TD Bank	Standard timing	Free	$10.95–$29.95/mo
RBC	Standard timing	Free	$10.95–$30/mo
Scotiabank	Standard timing	Free	$10.95–$30.95/mo
Simplii Financial	Standard timing	Free	Free
EQ Bank	Standard timing	Free	Free

Set Up Direct Deposit with KOHO — Get $100 Free

Open a KOHO account with our exclusive code, set up direct deposit, and start getting paid up to 3 days early.

BREMO2026

Open KOHO + Get $100 →

KOHO Direct Deposit FAQ

What are KOHO's direct deposit banking numbers?

KOHO's direct deposit details are: Transit Number: 0000, Institution Number: 838, Account Number: your personal KOHO account number (find it in the app under Settings → Direct Deposit). Always verify these numbers in your KOHO app, as your account number is unique to you.

How early can KOHO deposit my paycheque?

KOHO can deposit your paycheque up to 3 business days before your official pay date. The exact timing depends on when your employer's bank sends the payment through the electronic funds transfer network. Not all employers use systems that allow advance notification, so some deposits may still arrive on your standard pay date.

Is the early deposit feature free with KOHO?

Yes. KOHO's early direct deposit feature is available at no extra charge on all plans, including the free Essential plan. There's no fee to receive your paycheque early — it's automatically done whenever KOHO receives advance payment notification from your employer.

Can I set up government benefits (EI, CPP, OAS) as direct deposit to KOHO?

Yes. KOHO works for government benefit direct deposits including Employment Insurance (EI), Canada Pension Plan (CPP), Old Age Security (OAS), and Canada Child Benefit (CCB). You can update your direct deposit information for government benefits through your CRA My Account or Service Canada account using KOHO's banking details.

How long does it take to switch my direct deposit to KOHO?

Direct deposit changes typically take 1–2 pay cycles to process. Once you submit the form to your employer or HR department, it may take until your next or the following paycheque to take effect. During the transition, your pay may still go to your previous account, so don't close your old account until the switch is confirmed.

Get $100 Free — Open KOHO Today

Set up direct deposit to KOHO and get paid 3 days early. Use our code for a $100 sign-up bonus.

BREMO2026

Open KOHO — Get $100 →