Referral Program
KOHO
Earn $100 - Sign Up, Spend $20, Refer a Friend
Sign up with code 45ET55JSYA, spend $20 in your first 30 days, then refer one friend to KOHO. That path gets you $100 total. Plus up to 2% cashback and zero monthly fees forever.
REFERRAL CODE
45ET55JSYA
No monthly fees
No credit check
Refer 1 friend, earn $100
Instant virtual card
Step by step
How to claim your $20
Takes about 5 minutes. The whole thing.
01
Sign up with our link
Click the button above or go to referral.koho.ca. Enter your email and create a password. The referral is tracked automatically through the link.
02
Enter code 45ET55JSYA
During signup KOHO asks for a referral or promo code. Type 45ET55JSYA exactly as shown. This connects your signup to our referral and unlocks the $100 earning path.
03
Spend $20 in 30 days
Use your KOHO card for any purchase totaling $20 or more within your first 30 days. Groceries, coffee, transit all count.
04
Refer a friend, earn $100
Share your KOHO referral link with one friend. When they sign up and spend $20, you earn $100 deposited straight to your balance. No cap on referrals.
Why KOHO
Banking that actually works for you
More than just a free account. KOHO replaces your everyday bank with better features and real cash back.
Up to 2% cashback
Earn real cashback on eligible purchases. On the Everything plan, earn up to 2% back on groceries, dining, and more.
Zero monthly fees
The Essential plan is completely free, forever. No minimum balance, no transaction limits, no tricks.
Instant virtual Visa card
Get a virtual card seconds after signing up. Use it online or add it to Apple Pay or Google Pay immediately.
Free Interac e-Transfers
Send and receive unlimited e-Transfers for free. No per-transfer fees like the big banks charge.
CDIC deposit protection
Deposits are held at Peoples Trust, a CDIC member institution. Your money is protected up to $100,000.
No credit check to open
KOHO is a prepaid Visa, not a credit card. No credit check, no minimum income, no rejection. Anyone can sign up.
Pick your plan
Free to start. Upgrade anytime.
The $100 referral bonus applies on any plan. Refer as many friends as you want, earn $100 each time.
Essential
$0/month
Free forever, no catch
- 1% cashback on groceries and dining
- Free Interac e-Transfers
- Instant virtual Visa card
- Budgeting tools built in
- Free cash withdrawals at ATMs
MOST POPULAR
Extra
$9/month
Best value for everyday banking
- 1.5% cashback on groceries and dining
- Free credit score monitoring
- Credit building feature included
- Unlimited virtual cards
- Round-up savings
- Everything in Essential
Everything
$19/month
Maximum cashback and perks
- 2% cashback on groceries and dining
- 1% cashback on all other purchases
- Metal Visa card (physical)
- Priority customer support
- Travel medical insurance
- Everything in Extra
FAQ
Common questions
Sign up using our referral link and enter code 45ET55JSYA. Spend $20 within your first 30 days to activate your account. Then share your own KOHO referral link with a friend. When your friend signs up and spends $20, you receive $100 deposited directly to your KOHO balance.
KOHO is a prepaid Visa card with a spending account, not a traditional bank account. Your deposits are held at Peoples Trust, which is a CDIC member institution, so your money is federally protected up to $100,000. It works everywhere Visa is accepted.
No credit check whatsoever. KOHO is a prepaid card, so they never pull your credit report. You can sign up even if you have no credit history, bad credit, or are new to Canada.
Any purchase made with your KOHO card counts, including online purchases, in-store tap payments, and mobile wallet transactions through Apple Pay or Google Pay. The $20 can be split across multiple transactions. ATM withdrawals and transfers typically do not count.
Yes. Many Canadians use KOHO as their primary everyday account. You can set up direct deposit from your employer, pay bills, send and receive e-Transfers, and earn cashback on everything. For investing or mortgages you would still need a traditional bank or investment account.
KOHO referral offers are available while they last. We recommend signing up soon to lock in the $100 referral bonus. Once you sign up, you have 30 days to complete your $20 in spending and claim the bonus.
Ready to claim your $20?
Sign up, spend $20, refer one friend. Earn $100 with no monthly fees.
Bremo.io is an official KOHO referral partner. We may earn a commission when you sign up. Last updated April 2026. Personal referral link.