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KOHO Referral Code

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Takes 5 minutes

Get 3 months of KOHO's Everything plan free (a $66 value)

The KOHO referral code gives new users 3 months of KOHO's Everything plan free, which KOHO values at $66. Sign up in the KOHO app with our link, verify your identity, and make a first purchase of $20 or more within 30 days. The free months start once that purchase is made.

Get 3 Months Free arrow_outward

Opens KOHO's sign-up page. Our referral is applied automatically.

verified Verified September 2026

KOHO sign up bonus: 3 months of the Everything plan free

  • redeem3 months of the Everything plan, a $66 value
  • shopping_cartSpend $20 or more within 30 days
  • credit_cardPhysical or virtual card, online or in store

What counts as the $20 purchase

Any purchase of $20 or more from your KOHO account, online or in person, using your physical or virtual card, within 30 days of signing up.

The KOHO referral code, part of the KOHO refer a friend program, is how new KOHO users get the KOHO sign up bonus: 3 months of the Everything plan at no cost. KOHO is a Canadian financial technology company that offers a spending and savings account with a prepaid Mastercard, managed in its app. The terms on this page come from KOHO's referral page, checked on September 27, 2026.

How do I use a KOHO referral code?

  1. link

    Open our KOHO referral link

    Tap the button on this page. It opens KOHO's sign-up with our referral already attached, so there is no code to type.

  2. phone_iphone

    Download the app and sign up as a new user

    Create your KOHO account in the app. The offer is for people who have never had a KOHO account.

  3. how_to_reg

    Verify your identity

    Complete KOHO's identity verification. Your account has to be verified before the purchase counts.

  4. shopping_cart

    Spend $20 or more within 30 days

    Make a first purchase of at least $20 from your KOHO account, online or in store, with your physical or virtual card.

  5. celebration

    Get 3 months of the Everything plan free

    Once the $20 purchase is made, KOHO applies the reward: 3 months of the Everything plan, which KOHO values at $66.

Who is the KOHO referral bonus for?

  • check_circleCanadians opening a KOHO account for the first time.
  • check_circlePeople who want to try KOHO's top Everything plan before paying for it.
  • check_circleAnyone who will make at least one $20 purchase with the card in the first month.

What you get with the KOHO sign up bonus

  • redeem3 months of the Everything plan at no cost, a $66 value according to KOHO.
  • credit_cardA physical and a virtual card, both of which count toward the $20 purchase.
  • linkNo code to type: the referral is attached through the link.

KOHO referral bonus at a glance

You get

3 months free

Everything plan, valued by KOHO at $66.

Requirement

$20

First purchase of $20 or more within 30 days.

Eligible

New KOHO users who verify their identity.

After the free months

The plan turns into a paid subscription. To avoid being charged, cancel or downgrade under My Plan > Manage my plan before the 3 months end.

Before you sign up

Three things to check so the reward lands.

Use the link first

Sign up through the referral link. A code can't be added once your account is created.

30-day window

The $20 purchase has to happen within 30 days of signing up.

First purchase of $20+

Make your first purchase $20 or more. KOHO's terms count the first purchase, so don't start with a small one.

KOHO referral code FAQ

What is the KOHO referral code bonus? expand_more
New KOHO users who sign up with a referral link get 3 months of KOHO's Everything plan free, which KOHO values at $66. You qualify by verifying your identity and making a first purchase of $20 or more within 30 days.
How do I get the KOHO sign up bonus? expand_more
Open a KOHO referral link, download the app, sign up as a new user, verify your identity, and spend $20 or more within 30 days. The free months are applied after that purchase.
Do I need to type a KOHO promo code? expand_more
No. Our KOHO referral link carries the referral for you, so there is no code to enter during sign-up.
How long do I have to make the $20 purchase? expand_more
30 days from signing up. The purchase can be online or in person, on your physical or virtual KOHO card.
What is KOHO Financial? expand_more
KOHO is a Canadian financial technology company. It offers a spending and savings account with a prepaid Mastercard, managed through the KOHO app, with paid plans that add features on top of the basic account.
Is KOHO a bank? expand_more
No. KOHO is a financial technology company, not a bank. Money in a KOHO account is held in trust at CDIC-member partner institutions such as Peoples Trust, and once you turn on Earn Interest, eligible funds are CDIC-protected up to $100,000.
Can existing KOHO users get the referral bonus? expand_more
No. The referral reward is for new users. Once you have an account, you can share your own KOHO referral link instead.
Can I add a KOHO referral code after I sign up? expand_more
Only during sign-up. If you skipped it, you can still enter a code at the phone verification step, but it can't be added once your account is created. Use our link before you start.

Terms verified on September 27, 2026 against KOHO's referral page. KOHO can change or end the offer at any time.

About KOHO

KOHO is a Canadian financial technology company. Its app pairs a spending account with a prepaid Mastercard, and its paid plans, including the Everything plan offered through this referral, add extra features. KOHO is not a bank: customer money is held in trust at CDIC-member partner institutions such as Peoples Trust.

Get 3 Months of KOHO Free arrow_outward

New KOHO users only. Verify and spend $20 within 30 days.