🎁 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 March 2026
Best Referral Codes for Canadians
45ET55JSYA
← Use at signup
$100 free cash
1% cashback everywhere
No credit check
$0 fees
Enter code 45ET55JSYA when signing up for KOHO to receive a $100 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 45ET55JSYA →
$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.
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.
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.
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.
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.
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 $100 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 45ET55JSYA still working?
Yes — as of March 2026, code 45ET55JSYA 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 $100 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.
Related guides
Start with Canada's best referral code — $100 free
KOHO code 45ET55JSYA · $100 bonus on first purchase · 1% cashback · $0 fees · No credit check
Get KOHO — code 45ET55JSYA →
Disclosure: Bremo earns referral commissions on KOHO signups. Bonus terms subject to change — verify on each institution's website. Information as of March 2026.