The Working KOHO Referral Code for 2026
One code, $100 in 24 hours, no credit check. Here is the code that still works this year and how to use it in six minutes on your phone.
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The one code that still works
KOHO's public promo pages usually show a smaller default bonus. A working referral code is the only way to unlock the full $100 in 2026. The code below has been verified this month.
- Code. 45ET55JSYA
- Bonus. $100 CAD to your KOHO balance.
- Requirement. Load at least $50 within your first week.
- Payout. Within 24 hours of the qualifying load.
- Credit check. None. Identity verification only.
Three-step signup
- 1. Start signup. Open the KOHO app or use Lauren's verified sign-up link to skip the code step. The link auto-applies 45ET55JSYA for you.
- 2. Load $50. Any method works. Interac e-transfer is fastest.
- 3. Watch your balance. The $100 arrives within 24 hours.
Why most Canadians never see this bonus
KOHO does not advertise the $100 tier on its public homepage. It is only unlocked with a valid referral code. That is why using a verified code matters. Without one, you get whatever standard promo is running that week, which is often $10 or nothing at all.
What KOHO actually is
KOHO is a Canadian prepaid Mastercard with cashback, credit-building tools, and free Interac e-transfers. The base account has no monthly fee and no minimum balance. You keep every dollar you load, plus the sign-on bonus.
Frequently asked
What is the current working KOHO referral code in 2026?
The current working KOHO referral code is 45ET55JSYA. It unlocks a $100 sign-on bonus when you load at least $50 within the first week of opening your account. The bonus lands within 24 hours of the qualifying load.
Does the KOHO referral code work in July 2026?
Yes. Code 45ET55JSYA is verified working as of July 2026 and matches KOHO's current $100 referral bonus structure. Bremo re-checks this every week and updates the same day if the code or amount ever changes.
Do I need a credit check to use the KOHO referral code?
No. KOHO is a prepaid Mastercard, not a credit product. Signup uses identity verification only. Your credit score is not touched.
How long does it take to get the KOHO $100 bonus?
About 24 hours after you load your first $50 into your KOHO account. Interac e-transfer is the fastest funding method. The bonus is deposited directly to your KOHO balance.
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