Use our KOHO Referral Code when you sign up for a $65 Value Bonus

Spend $20 in 30 days to unlock bonus!

KOHO Referral Code
C4MNILZARC

Click to copy • Valid for new KOHO users only
Code verified as of November 30, 2025

How to Use Your Koho Referral Code

Sign Up for KOHO

Download the Koho app to create your account. There is no credit check!

Enter the Referral Code

Enter the KOHO referral code C4MNILZARC during sign-up to activate your bonus.

Get Your KOHO Bonus

Make a $20 purchase with your Koho card to get your Bonus.

My Honest Review after using for 6 Months

What I liked

  • No Credit Check: 100% guaranteed approval. Seriously!
  • No NSF Fees: If you're short on funds, the card just declines. No $45 penalty fees.
  • Earn Interest: You earn high interest on your spending money, not just savings.
  • Debt-Free: You can't spend money you don't have. No surprise bills at month-end.
  • Safety Net: The "Cover" feature spots you up to $250 interest-free if you run low.

Needs Consideration

  • Prepaid Limits: It's not a "credit" card, so some car rentals or hotels may not accept it for deposits.
  • Chat-Only Support: No physical branches. Support is via in-app chat (except for those on the Everything Plan).

My Honest Verdict:

Perfect for avoiding fees, credit checks, and overspending. Great for daily use, but keep a backup for specific needs like car rentals.

Where to Enter the Referral Code

KOHO app showing where to enter referral code during signup

This is step 4 into registration during KOHO signup. Be sure to enter your referral code here after entering you phone number

What is KOHO?

KOHO is a Canadian financial technology company that provides a modern alternative to traditional banking. Founded in 2014 and headquartered in Toronto, KOHO has grown to serve over 500,000 Canadians who are looking for a smarter way to manage their money.

Unlike traditional banks, KOHO offers a mobile-first experience with no monthly fees, no minimum balance requirements, and no hidden charges. The platform combines a prepaid Visa card with a high-interest savings account, giving users the best of both worlds.

KOHO's mission is to help Canadians achieve financial wellness through transparent, accessible, and intelligent financial services. The platform provides instant cash back on purchases, automatic savings tools, and detailed spending insights to help users make better financial decisions.

Unlock Your Koho Bonus Today!

Sign up with our exclusive KOHO referral code or promo code to claim up to $65 value sign up bonus. Don't miss out on this KOHO promotion!

KOHO Referral Code

How KOHO Works

The KOHO Card

Your KOHO account comes with a prepaid Visa card that works anywhere Visa is accepted. Use it for everyday purchases, online shopping, or contactless payments. Every transaction earns you instant cash back.

High-Interest Savings

Your funds are held in a high-interest savings account, so your money grows even when you're not spending. Interest is calculated daily and paid monthly, with no minimum balance required.

Smart Money Management

The KOHO app provides real-time spending insights, automatic budgeting tools, and savings goals to help you stay on top of your finances. See exactly where your money goes and make smarter financial decisions.

No Hidden Fees

KOHO believes in transparent pricing. There are no monthly account fees, no minimum balance requirements, no overdraft fees, and no hidden charges. What you see is what you get.

Safety & Security

KOHO takes security seriously. Here's how your money and information are protected:

CDIC Insurance

Funds are held with a federally regulated financial institution and protected by CDIC insurance up to $100,000.

Bank-Level Encryption

All data is encrypted using industry-standard 256-bit SSL encryption.

Fraud Protection

Real-time fraud monitoring and zero liability protection for unauthorized transactions.

Instant Notifications

Get notified of every transaction in real-time to catch any suspicious activity immediately.

Card Controls

Lock and unlock your card instantly from the app if it's lost or stolen.

Frequently Asked Questions

When will I receive my $65 Value Bonus?

Your bonus will be credited to your account within 1-2 business days after you successfully spend from your KOHO account at least $20. Make sure to complete this within 30 days of signing up.

Do I need to make a purchase to get the bonus?

Yes, it can be anything. We recommend a gift card (like Amazon) of at least $20 within 30 days of signup, and the bonus will be automatically credited to your account.

Can I use KOHO if I already have a bank account?

Yes! KOHO works alongside your existing bank account. Many users keep both - using KOHO for daily spending to earn cash back while maintaining their traditional bank for other services.

Are there any monthly fees?

KOHO offers a free tier with no monthly fees. There's also KOHO Extra and KOHO Everything plans with additional features for $4 and $9 per month respectively, but these are completely optional.

Is KOHO safe and secure?

Yes, KOHO is regulated by Canadian banking authorities. Your funds are held in a high-interest savings account with a federally regulated financial institution and are protected by CDIC insurance up to $100,000.

What if I forget to enter the referral code?

Unfortunately, referral codes must be entered during the initial signup process and cannot be applied retroactively. Make sure to enter code C4MNILZARC when creating your account.

Can I refer my friends after signing up?

Absolutely! Once you're a KOHO user, you'll get your own referral code. When your friends sign up using your code, both you and your friend can earn bonuses.

What can I use KOHO for?

KOHO can be used anywhere Visa is accepted - online, in stores, and for contactless payments. You'll also get instant cash back on purchases, automatic savings tools, and detailed spending insights.

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