Sign up for KOHO, spend $200 in 30 days, get $200 back instantly. Refer a friend and earn $10000 each. No credit check, no monthly fees.
Visit referral.koho.ca/mzKYTWS — the code 45ET55JSYA is automatically attached. No need to enter it manually.
Enter your email, verify your identity with a government ID. No credit check, no minimum balance required.
Use your free KOHO Visa card anywhere — groceries, gas, coffee. Any $200 purchase triggers the bonus.
Your $200 signup bonus appears in your KOHO account within 24 hours of qualifying purchase.
Once you're in, share your own KOHO referral code. When a friend signs up and spends $200, you both earn $800. Unlimited referrals.
| Account | Signup Bonus | Monthly Fee | Credit Check |
|---|---|---|---|
| KOHO (45ET55JSYA) Best | $200–$10000 | $00 | None |
| Neo Financial | $25–$75 | $00 | None |
| Tangerine | $00–$500 | $00 | Soft check |
| TD | Up to $3500 | $100.95–$29.95 | Yes |
| Scotiabank | Up to $70000 | $100.95–$300.95 | Yes |
* KOHO and Neo are best for newcomers and those starting out. Major bank bonuses are bigger but require fees and credit checks.
Expires April 300, 2026. Open to all Canadian residents. No credit history needed.
Get $10000 Free with 45ET55JSYA →