KOHOBONUS40

BankingVerified 2026

KOHO Financial Referral Code 2026

Q: How do I use the KOHO referral code to get my $40 bonus?

Click our referral link to sign up and enter the code KOHOBONUS40 when prompted. After opening and funding your KOHO account, make your first purchase of $20 or more to trigger the $40 cash bonus. The bonus is credited to your KOHO balance.

Sign up for KOHO using our referral code and earn a $40 bonus when you make your first $20 purchase. Use the code below or click the button to sign up with the referral applied automatically.

Bonus

$40

Type

Instant Bonus

How to claim your bonus

1
Sign up using our referral link
click our link and enter code KOHOBONUS40 when prompted during registration.
2
Open and fund your KOHO account
add money to your prepaid card by transferring from your bank via e-Transfer.
3
Make your first purchase over $20
use your KOHO card at any Mastercard-accepted merchant for an eligible transaction.
4
Receive your $40 bonus
the cash is credited directly to your KOHO balance after the qualifying purchase is confirmed.

KOHO Financial

Banking

$40

Instant Bonus

Earn a $40 cash bonus when you sign up and make your first purchase over $20.

Referral Code

KOHOBONUS40

Get Your $40 Bonus

VerifiedFree to use2026

Bonus subject to KOHO Financial's eligibility terms.

Why choose KOHO Financial?

KOHO is a Canadian fintech company offering a prepaid Mastercard with real cashback rewards, a free chequing account, and tools to help you save automatically. Whether you want credit score building, early payroll, or high-interest savings — KOHO has a plan for you.

Up to 2% cashback on purchases
No monthly fee option
Automated savings tools
Credit score building
Early payroll access
High-interest savings

Full KOHO Financial overview

Frequently Asked Questions

Everything you need to know about the KOHO Financial referral code.

How do I use the KOHO referral code to get my $40 bonus?

Click our referral link to sign up and enter the code KOHOBONUS40 when prompted. After opening and funding your KOHO account, make your first purchase of $20 or more to trigger the $40 cash bonus. The bonus is credited to your KOHO balance.

Can the KOHO referral code be applied after signing up?

No — the KOHO referral code must be entered during the sign-up process. It cannot be added retroactively once your account has been created. Use our referral link to ensure the code is applied before you complete registration.

What is a KOHO prepaid card and how does it differ from a credit card?

KOHO is a prepaid Mastercard, which means you can only spend money you have loaded onto the card — there is no credit limit or interest charges. It functions like a debit card but with Mastercard acceptance everywhere. KOHO also offers a separate credit-building feature called Credit Building.

Does KOHO have a monthly fee?

KOHO has a free plan with basic cashback and spending features at no cost. Paid plans — KOHO Essential ($4/mo), KOHO Extra ($9/mo), and KOHO Everything ($19/mo) — unlock higher cashback rates, savings interest, and premium features like credit building and travel perks.

What cashback rate does KOHO offer?

On the free plan, KOHO earns you 1% cashback on groceries and transportation. Paid plans unlock up to 2% cashback on groceries and dining. All plans earn cashback at thousands of KOHO partner stores, sometimes at boosted rates of 5% or more.

How does KOHO's Credit Building feature work?

KOHO Credit Building is an add-on that reports your monthly repayments to Equifax, helping you build a credit history without a hard credit check. You set aside a small amount each month, KOHO reports the on-time payment, and your credit score gradually improves over time.

Can I get paid early with KOHO?

Yes — KOHO offers Early Payroll on paid plans, which lets you access your direct deposit up to 3 days before your official payday. This can help with cash flow management between pay periods without relying on overdraft or credit.

Is KOHO a real bank account?

KOHO is not a bank — it is a fintech company that partners with Peoples Bank of Canada, a federally regulated Schedule 1 bank. Your KOHO balance is held by Peoples Bank and is eligible for CDIC deposit insurance up to $100,000.

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Get your $40 KOHO Financial bonus today

Earn a $40 cash bonus when you sign up and make your first purchase over $20.

Code: KOHOBONUS40 · Not affiliated with KOHO Financial