KOHO Referral Code 2026 - Get a $40 Bonus
Use our exclusive KOHO referral code to get a $40 bonus when you sign up and complete the qualifying steps.
KOHO Referral Code Overview
New Canadian customers can receive $40 exclusive bonus through the KOHO referral program when they sign up and complete the qualifying steps.
Use code KOHOBONUS40 when you sign up, then follow the requirements below to receive the offer.
How to Redeem the KOHO Referral Code
- 1Sign up with our exclusive codeSign up for KOHO and enter referral code KOHOBONUS40 during onboarding, or use the button on this page so it's applied automatically. This code pays double KOHO's standard $20 referral rate.
- 2Verify your account and spend $20Verify your identity, load your KOHO card, and make a first purchase of at least $20, online or in person, within 30 days of signing up.
- 3Get your $40 bonusOnce your qualifying purchase is confirmed, your $40 bonus is credited directly to your KOHO account.
KOHO Referral Code Requirements
- New KOHO users only
- Account must be verified
- First purchase must be $20 or more within 30 days
- Canadian resident, 18+
- Must sign up with code KOHOBONUS40 to get the boosted $40 rate
About KOHO
KOHO is a prepaid spending and savings app built for cash-back and simple budgeting, with optional credit-building tools. KOHO's standard referral program pays new users $20, but code KOHOBONUS40 is an exclusive boosted code that pays new users $40 instead once their account is verified and they've made a qualifying purchase.
Pros
- No credit check required to sign up
- Easy budgeting tools built into the app
- Optional credit-building add-on
- This code pays double KOHO's regular $20 referral rate
Cons
- Not a full bank account replacement for everyone
- Some higher cash-back and interest features require a paid plan
- The $40 rate only applies with this specific code; signing up without it defaults to KOHO's standard $20
Quick tips
Apply the code during sign-up, complete each requirement before its deadline, and confirm the current terms on KOHO's official site.
Verified offer
Checked by ReferralCanada.ca and updated when KOHO changes its terms. Free to use and no account details are required.
KOHO Referral Code FAQs
What is the KOHO referral code?
Our exclusive code is KOHOBONUS40. Enter it when you sign up for KOHO, or use the referral link on this page so it's applied automatically.
How much do I need to spend to get the KOHO bonus?
Your first purchase needs to be at least $20, made online or in person with your KOHO card, within 30 days of signing up.
How much is the KOHO referral bonus with this code?
Signing up with our exclusive code KOHOBONUS40 gets you a $40 bonus, double KOHO's standard $20 referral rate, once your account is verified and you've made a qualifying $20 purchase.
Why is this KOHO bonus higher than $20?
KOHO's regular refer-a-friend program pays $20 to a new user. KOHOBONUS40 is an exclusive boosted code that pays $40 instead, as long as you sign up using this specific code rather than a generic referral link.
How long does it take to get the KOHO bonus?
The bonus is typically credited to your KOHO account within a few days of your qualifying $20 purchase being confirmed.
Do I need to do anything different to get $40 instead of $20?
No extra steps. Just make sure you enter KOHOBONUS40 during sign-up, or use the link on this page so it's applied automatically. The qualifying purchase requirement is the same either way.
Does KOHO charge monthly fees?
The base KOHO account has no monthly fees. Optional paid plans (Essential, Extra, and Everything) unlock higher cash back and interest rates for a monthly fee.
Is my money safe with KOHO?
KOHO isn't a bank itself. Funds are held in partnership with a CDIC member institution, which means deposit protection applies through that partner institution rather than through KOHO directly.
More banking referral codes
Get the latest Neo Financial referral code and earn up to a $35 bonus when you sign up.
Sign up with a Simplii referral code and get up to $500: a $50 account bonus, a $350 direct deposit reward, and up to $100 cash back.
This referral code is provided by KOHO and subject to change without notice. Always confirm current offer terms on the official KOHO website before signing up.