If you’ve seen a KOHO referral code floating around, it’s basically a signup bonus.
You can use this link: https://referral.koho.ca/mzHbhU3
Use a valid referral code when you create your KOHO account, spend $20, and you can get 3 months of Everything Plan for free - You can also earn $100 in referral bonus.
How the KOHO Referral Bonus Works
Typically, a KOHO referral offer looks something like this:
- Get a referral code from an existing user or use this link.
- Download the app and sign up as a new user.
- Get verified and spend $20 or more on your account.
- You get 3 months of Everything Plan
- Refer others to get $100 bonus
You Get 3 Months KOHO Everything FREE
Once your account is set up and your referral bonus lands, you can get even more value by using the KOHO Everything Account:
- Grow your savings with 3.5% interest, one of the highest rates in Canada
- Earn a 2% cash back rate on groceries, eating, drinking, and transportation and 0.5% cash back on everything else
- There are no foreign exchange fees, so you save on international purchases and travel
- Unlimited transactions and free e-transfers
- No minimum balance required, ever
Sharing Your Own KOHO Referral Code
Once you’re set up:
- You can usually find your referral code inside the app.
- Share it with friends and family so they can sign up and get the same kind of bonus offer (subject to current terms).
- Some referral programs also reward the existing user, so you may earn bonuses when others join through you.

About the author
Grace is a communications expert with a passion for storytelling. This hobby eventually turned into a career in various roles for banks, marketing agencies, and start-ups. With expertise in the finance industry, Grace has written extensively for many financial services and fintech companies.
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