Refer a friend to KOHO

You get $20, they get $20

Refer a friend to KOHO and we’ll give you both $20 each! Think of it as our little welcome gift.
Refer a friend to KOHO

How it works

KOHO App Screen - Referral
Find your personal referral code through the carousel in the app.
Share your code via text, email, or whatever method tickles your fancy.
Once your friend signs up and makes their first purchase within 30 days of registration, we’ll credit $20 to your and your friend’s accounts.
Earn $20
You get $20, They get $20
You get $20, They get $20


You can refer up to 50 friends, which means you can earn up to $1000 from our referral program.

Nope! Your friend can make their first purchase online or in-person using their physical or virtual card. We’re flexible!

Give them a nudge via text! We’ve even drafted a message for you to make things a little easier. Find it in-app by tapping Perks > Refer & earn > Learn more.

Awesome — welcome to KOHO! You can enter the referral code during the last step of your sign-up.

No problem! Reach out to our wonderful support team in-app, or send us an email at

Terms & Conditions

KOHO’s products and services are for individual use only in accordance with the KOHO Cardholder Agreement - Mastercard®.

Any referral must be made by a legitimate KOHO user with an account in good standing. We reserve the right to suspend or limit usage on your account if we believe you are acting outside the intended usage of KOHO.

In the event your account is suspended or limited, we will reach out to you and offer remedial solutions and give you the opportunity to explain your usage.

We may, at our sole discretion, suspend, terminate or change the terms and requirements of the Referral Program.



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The KOHO Mastercard® Prepaid card is issued by KOHO Financial Inc. pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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