Refer a friend, reap the rewards

Refer a friend to KOHO and we’ll give you both a little somethin’ somethin’. Choose from $20 cash, or three free months of our Extra plan worth $27!
Get your reward
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Choose your reward

You and your friend can pick one or the other.
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$20 to spend how you like

Yep, that’s basically free money to spend whatever way you want.

$27 value

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Three free months of Extra

That means more cash back, more interest, and more money in your account.

How it works

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If you haven’t already, sign up for KOHO in just a few minutes
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Find your referral code through the gift icon in the app
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Share it via text, email, carrier pigeon, whatever
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Once they’ve signed up and made a purchase*, we’ll reward you!


*Your referred friend will need to register for KOHO, have verified their account, and make their first purchase of at least $20 within 30 days, then you’ll both get rewarded!
You can refer up to 50 friends, which means you can earn up to $1000 from our referral program or over a year of Extra for free!
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 you can find in the app to make things a little easier.
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.


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