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KOHO referral codes for September 2023

KOHO Easy Prepaid Mastercard

Get a $20 welcome bonus when you sign up using promo code FINDERCODE and make a purchase with your card

KOHO Earn Interest

Earn 4.5% interest on your savings and earn unlimited cashback on your spending with a KOHO prepaid card

KOHO Extra Prepaid Card

Get a $20 cash bonus when you open an account and use promo code FINDERCODE

KOHO Earn Interest

Open a free account and earn 4.5% interest on your savings

KOHO Essential Prepaid Card

Signup for free and get a $20 cash bonus when you open an account and use promo code FINDERCODE

About KOHO

KOHO Financial is an online banking provider that sets itself apart from traditional banks with a focus on low fees, flexibility and hybrid banking. KOHO offer a saving and spending account that comes with a high interest rate and a prepaid card that earns you cashback as you spend. With no hidden fees, no account opening fee, no e-transfer fees, no minimum balance and no minimum deposits, KOHO is a contender in todays online banking space in Canada.

Pros and cons of KOHO


  • No monthly or annual fees.
  • Earn interest on your savings.
  • Free e-Transfers.
  • Earn cashback on your puchases.
  • Get a prepaid card to use with your savings account – and avoid possible fees that come with credit cards.
  • Direct deposit your paycheque.


  • No bonus interest rate offered when you join.
  • Not all online and in-person businesses accept prepaid cards.
  • No mobile cheque deposit available.
  • Spending and withdrawing limits are in place.
  • Spending on a prepaid card won’t increase (or decrease) your credit score.

KOHO referral code frequently asked questions

How do you get a $20 cash bonus from KOHO?

Use promo code FINDERCODE to receive a cash bonus, which will be added to your KOHO balance once you make your first purchase within 30 days of signing up. You’ll typically receive the bonus within 24 hours.

How do I get a KOHO referral code?

Log-in to the app and find your personal referral code under the Perks tab. You can share your code with your friends via text, email or other modes. Once your friend signs up and makes their first purchase within 30 days of registration, you’ll receive $20 – and so will your friend!

What is the bonus for KOHO Bank?

You can receive $20 by signing up using our referral code FINDERCODE. You’ll need to make a purchase within 30 days of signing up to receive the bonus.

How do I deposit money into KOHO?

There are three ways to deposit money into your KOHO account:

  1. e-Transfer into your account
  2. Add a Visa Debit or Mastercard Debit in the KOHO app, and load funds from that card to your KOHO account
  3. Direct deposit into your account

KOHO currently do not accept cash, cheques or wire transfers made to KOHO accounts.

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