Last updated: May 17, 2026

Referral Codes · March 2026

Best Canadian Bank Referral Codes 2026

Verified working referral codes for Canadian banks, investing apps, and financial products. Use these codes to claim free money when you sign up — no catch, no fees.

$600+

in free money available using all codes on this page · Updated April 2026

No fee everyday banking

Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

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Best Referral Codes for Canadians

KOHO — Best prepaid Visa + cashback

$20 bonus

BREMO2026

← Use at signup

$100 free cash 1% cashback everywhere No credit check $0 fees

Enter code BREMO2026 when signing up for KOHO to receive a $20 bonus after your first qualifying purchase. This is the highest prepaid card signup bonus in Canada. KOHO also gives 1% cashback on all purchases, free Interac e-transfers, free credit score monitoring, and built-in budgeting — all with no monthly fee. No credit check required.

Get KOHO — code BREMO2026 →

Wealthsimple — Investing + Cash

$25 bonus

$25 free cash Free stock trades 0.5% robo-advisor fee TFSA/RRSP available

Use a Wealthsimple referral link to get $25 when you deposit and trade. Wealthsimple offers free stock and ETF trading on Wealthsimple Trade, a 3.75%+ savings account on Wealthsimple Cash, and robo-advisor investing at 0.5% fee. Available for TFSA, RRSP, and FHSA accounts.

EQ Bank — High-Interest Savings

Rate boost + $20

3.75% savings rate $0 fees CDIC insured

EQ Bank occasionally offers referral bonuses ($20) for new accounts. Even without a bonus, EQ Bank gives 3.75% on all deposits — far better than any big bank savings rate. Open a Personal Account and savings account in under 10 minutes. Best for emergency funds and TFSA savings.

Scotiabank — Big Bank Signup Bonus

Up to $350 cash

Up to $350 cash bonus Scene+ rewards Full service banking

Scotiabank offers up to $350 for new chequing account customers who meet qualifying criteria (set up 2 pre-authorized debits, make 5 debit purchases within 60 days). Best big-bank signup bonus available in 2026. Visit Scotiabank.com for current promotional code.

TD Bank — Best Mobile Bank Bonus

Up to $400 cash

Up to $400 cash Best mobile app Full service

TD's new account offer gives up to $400 when you open a new TD chequing account and meet qualifying criteria within 90 days. TD has the best-rated mobile banking app in Canada (JD Power). Good for users who want a big-bank relationship with strong digital tools.

Simplii Financial — No-Fee Banking Bonus

Up to $400 cash

Up to $400 bonus $0 monthly fees CIBC ATM network

Simplii Financial (CIBC's no-fee bank) offers up to $400 for new clients through promotional links. $0 monthly fee, unlimited transactions, free e-transfers, access to 3,400+ CIBC ATMs. Visit Simplii.com for current referral code/promotional link.

Neo Financial — Cashback Card

Welcome bonus at partners

Up to 5% at 10,000+ partners $0 annual fee Soft credit check

Neo Financial's referral program gives both referrer and new user a bonus. Neo's Mastercard earns up to 5% cashback at 10,000+ partner merchants including Esso, Home Depot, Boston Pizza. No annual fee. Soft credit check only. Visit Neo.ca for current referral link.

Referral Code Summary

To maximize free money, use all available referral codes when signing up for new products. The total available in 2026: KOHO ($100) + Wealthsimple ($25) + Scotiabank (up to $350) + TD (up to $400) + Simplii (up to $400). Not all bonuses require commitment — KOHO's $100 requires only one purchase.

Frequently Asked Questions

Are Canadian bank signup bonuses real?

Yes. Bank and financial app signup bonuses are genuinely paid — typically as cash deposited to your account after you meet qualifying conditions (minimum deposit, number of purchases, etc.). KOHO's $20 bonus requires one qualifying purchase. Scotiabank/TD bonuses require 60–90 day qualifying periods. Always read the terms for qualifying requirements before signing up.

Is the KOHO referral code BREMO2026 still working?

Yes — as of April 2026, code BREMO2026 gives $100 when you sign up for KOHO and make your first qualifying purchase. Enter the code during signup in the referral code field. The $20 is deposited to your KOHO account. KOHO's bonus has been consistently available — it's KOHO's primary customer acquisition method.

Can I use multiple referral codes in Canada?

Yes. Each referral code is for a different product — there's no restriction on signing up for multiple financial products. You can get KOHO ($100), Wealthsimple ($25), EQ Bank, and take advantage of Scotiabank/TD bonuses all in the same year. The bonuses are independent. Each new product has its own qualifying conditions.

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Start with Canada's best referral code — $100 free

KOHO code BREMO2026 · $20 bonus on first purchase · 1% cashback · $0 fees · No credit check