Canadian signup bonus
KOHO Referral Bonus
New Canadian customers · Last checked May 31, 2026
Get 3 months free of KOHO Everything after you verify your account and spend $20 or more.
Last checked: Last checked May 31, 2026
Get KOHOReferral link. Verify current terms with the provider before signing up.
KOHO is a Canadian fintech that combines a prepaid Mastercard with a spending and savings account. The Everything plan is KOHO’s top tier for earning more on everyday spending and on cash sitting in your account, with no foreign exchange fees on card purchases and tools like a free credit score.
Through the referral program, new customers who meet KOHO’s requirements can try Everything at no plan cost for three months—a strong way to test higher interest and category cash back before paying ongoing plan fees.
KOHO referral bonus requirements
To qualify for the referral reward promoted with this link, you generally need to register as a new KOHO customer, verify your account, and make at least one purchase of $20 or more with your KOHO card within 30 days of signing up. KOHO’s in-app referral flow may present reward options (such as cash or a free plan trial); confirm the current choices and Everything eligibility in the app before you rely on a specific benefit. Existing KOHO customers are not eligible for the new-customer referral offer.
KOHO Everything plan overview
After any free trial period, Everything is billed at about $14.75 per month when paid annually (monthly billing may cost more—see KOHO’s plan page in the app). Ongoing perks include 3.5% interest on your balance, elevated cash back on everyday categories, 0.5% on all other purchases, partner offers at 1,000+ merchants, no foreign transaction fees, and a discounted Credit Building option. Rates, partners, and plan features can change.
If you want a traditional bank-alternative bundle with a credit card focus, compare the Neo Financial referral bonus. For bitcoin rewards and crypto spending, see the Shakepay referral bonus.
How to claim
- 1 Sign up for KOHO via our referral link
- 2 Complete identity verification in the KOHO app
- 3 Make a qualifying purchase of $20 or more with your physical or virtual KOHO Mastercard
- 4 Complete referral steps and redeem your reward in the KOHO app per current program terms
Eligibility
- Must be a Canadian resident
- New KOHO customers only
- Must be the age of majority in your province or territory
- Must verify your KOHO account
- Must make a single purchase of at least $20 with your KOHO card within 30 days of signing up
When you get the bonus
Qualify within 30 days of signing up; rewards are typically available within about one business day after you redeem in the app
Why we recommend KOHO
- 3.5% interest on your entire KOHO balance.
- 2% cash back on groceries, transportation, and food and drink.
- 0.5% cash back on every other purchase.
- No foreign transaction fees on card purchases.
- Free credit score and extra cash back at 1,000+ partner merchants.
Frequently asked questions
How do I get the KOHO referral bonus in Canada?
1. Sign up for KOHO via our referral link 2. Complete identity verification in the KOHO app 3. Make a qualifying purchase of $20 or more with your physical or virtual KOHO Mastercard 4. Complete referral steps and redeem your reward in the KOHO app per current program terms
Who is eligible for the KOHO signup bonus?
• Must be a Canadian resident • New KOHO customers only • Must be the age of majority in your province or territory • Must verify your KOHO account • Must make a single purchase of at least $20 with your KOHO card within 30 days of signing up
When do I receive the KOHO bonus?
Qualify within 30 days of signing up; rewards are typically available within about one business day after you redeem in the app
What ongoing benefits does KOHO offer?
• 3.5% interest on your entire KOHO balance. • 2% cash back on groceries, transportation, and food and drink. • 0.5% cash back on every other purchase. • No foreign transaction fees on card purchases. • Free credit score and extra cash back at 1,000+ partner merchants.
Is this an official KOHO promotion?
This page summarizes publicly advertised referral terms for KOHO. Offers and eligibility can change. Confirm the current promotion on KOHO before signing up.
Last checked: Last checked May 31, 2026
Get KOHOReferral link. Always verify current terms and eligibility on the provider site before signing up.