KOHO is quickly establishing itself as a premier online banking option on the Canadian market. Whether you want to sign up for one of KOHO’s three banking plans or its crypto trading platform, it’s worth opting in for KOHO with a sign-up bonus or referral code to earn a few extra perks in the process.
Finder exclusive: Finder Members get a $75 digital Visa gift card. Become a Finder Member & open and fund a KOHO account.
KOHO Core Plan
New KOHO Core users can get $40 when they sign up with promo code FINDER4026. T&Cs apply.
The current active KOHO Core Plan promo code is FINDER4026 . Our team has vetted this promo code and has verified it directly with KOHO Core Plan to make sure it is valid, active and currently accepted during KOHO Core Plan's sign-up process.
| KOHO Core Plan promo code: | FINDER4026 |
| Offer requirements: | New KOHO Core users can get $40 when they sign up with promo code FINDER4026. T&Cs apply. |
| Last verified: | September 4, 2026 (confirmed active by Finder) |
Follow these steps to use the KOHO Core Plan promo referral code:
Once you've received confirmation that your new KOHO Core Plan account has been opened and have completed any qualifying actions, you'll receive the bonus. This KOHO Core Plan promo code can often be combined with other select KOHO Core Plan promotions.
Yes, KOHO offers a standard ongoing referral code program where the referrer can get a cash reward of $20 (if you’re a non-member on the free version of the KOHO Essentials Plan) or up to $100 (if you’re a paying KOHO member with the Everything Plan) while your referred friend gets 3 months free of the Everything plan, which amounts to a $66 value for your friend.
KOHO’s referral program has a maximum cap of 50 referred friends or up to $1,000 in referral cash bonuses, whichever cap you hit first.
You can follow these steps to cash in KOHO’s referral bonus:
Yes, it can definitely be worth opening an account to get a KOHO sign-up bonus, as KOHO is a solid digital banking alternative in Canada.
It offers three account plan options for daily banking—the Essential ($4/month, but can be waived), Extra ($18/month) and Everything ($22/month) plans—which come with perks you can’t find with most standard bank accounts.
For starters, KOHO plan members can get access to KOHO Cover, a cash advance of up to $500 that costs 0% + monthly fee from $2. It provides KOHO members with a low-cost alternative to payday loans for people needing a fast small loan, regardless of their credit score.
KOHO also provides the ability to buy and sell crypto directly on its platform (powered by Ndax), and a couple of different lines of credit options. Plus, all plans come with a prepaid card that pays up to 2% cash back on purchases and doesn’t charge foreign exchange fees with the Extra and Everything plans.
You can learn more about KOHO in our full review here and compare KOHO with other digital banking options in our full guide to the best digital banking platforms in Canada here.
Like KOHO, other banking and investment platforms in Canada also offer promotions when you open a new account. We’ve compiled some of the top promotional offers for banking and investment platforms below, so you can easily compare options and find the right bonus for you.
Earn 2.75% interest on your money with qualifying direct deposits of $2,000/month, and 1.00% otherwise.
Get a $25 cash bonus when you open your first Wealthsimple account and fund at least $1 within 30 days. Plus, earn up to 2.25% interest.
Finder exclusive: Get a $175 digital Visa gift card from Finder. Become a Finder Member and open a BMO Performance Chequing Account through Finder.
Earn up to $900. Earn up to a $900 cash bonus with the BMO Performance Chequing Account. Plus, get a Walmart+ membership for up to 12 months. Valid until November 2, 2026.
Earn up to $250. Earn up to $250 when you open a No-Fee Daily Chequing Account and move your pay. Valid until October 31, 2026.
Earn rewards by holding USDC on Kraken. All Kraken users earn 1.75%, while Kraken+ members earn 4.25%. Rewards accrue automatically based on your USDC balance.
Earn up to $600. Earn up to a $600 cash bonus with the Coast Capital Unlimited Chequing Account
Earn $300 and a $50 Skip gift card when you become a new client and set up a direct deposit of at least $100 for 3 months. Offer ends September 30, 2026.
It's possible that certain funds transferred from investment accounts to KOHO may be subject to tax laws. For example, transfers from cash trading accounts at other financial institutions to KOHO may be subject to capital gains tax or provide capital losses upon liquidation. On the other hand, registered accounts, like TFSAs and RRSPs, aren't taxable when transferred in kind between institutions. For more information about how taxes work when stock trading, visit our full guide to the topic here.
Yes, because KOHO is not yet a registered bank, it cannot directly offer CDIC coverage on all deposited funds, but is still able to offer coverage indirectly. KOHO offers CDIC coverage of up to $100,000 on funds in your KOHO account as through partnerships with other insured financial institutions, as long as you have opted in to earn interest.
No, KOHO is not registered as a bank. Instead, it is registered as a Money Services Business (MSB) with FINTRAC, and works with other banking partners to offer deposit insurance.
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