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KOHO
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KOHO

KOHO is a bit like a chequing account with the perks of a credit card. Just like a chequing account, you can put money into your KOHO account and then spend that money however you see fit. And like a credit card, you'll get cashback and other perks, plus you can use your card anywhere Visa is accepted. Available only in Canada.

You get
1% cash back
Referrer gets
1% cash back
Newest code shared Mar 30, 2026

Independent community listing — not affiliated with or endorsed by the featured brand.

KOHO referral program

Terms as listed in our directory. Confirm them on the official site before you sign up.

How it works

Each friend you refer gives both you and your friend an additional 1% in cash back on your card.

Where to find your code

In the app click on Personal > Refer & Earn and there you will find your code.

Website:koho.ca
Banking

Contribute to this page

Share a code, offer, question, or update about KOHO. Sign-in happens only when you publish.

Reviews

Published member reviews and clearly attributed brand responses.

No member ratings yet120 ratings from members who share a code for this program are not counted.
BR
Rating-only review
Brandon Parlee · Dec 1, 2025
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
RE
Review
red hood · Sep 9, 2025
5/5

Once you sign up you will have access to credit building, a cover amount, cash back on purchases, a physical and virtual cars in your name ( metal cards are out of stock as of now) and you can share your referral code to someone else and get a ewferral bonus of $70!

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
BR
Review
Brittney Barber · Sep 5, 2025
5/5

KOHO is a bit like a chequing account with the perks of a credit card. Just like a chequing account, you can put money into your KOHO account and then spend that money however you see fit. And like a credit card, you'll get cashback and other perks, plus you can use your card anywhere Visa is accepted

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
LI
Rating-only review
Lindsay Faith Daniels Roasting · Sep 1, 2025
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
SE
Review
Serhii · Aug 27, 2025
4/5

$20 after your first $20 purchase.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
JO
Review
John Tran · Aug 27, 2025
5/5

Hi use my code

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
JO
Review
Jona Link · Jul 20, 2025
5/5

Referral link: [referral link hidden] Referral code: [referral code hidden] Signup using either my referral link or referral code. Once you signup and add $50 to your KOHO account you will receive a $20 Free Bonus + Free 3 months subscription to Everything Plan. The 3 months subscription to everything plan has a value of $66 so you are getting a total value $86 for your signup bonus.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
HA
Review
Harjeet Dhillon · Jul 12, 2025
5/5

Just found an awesome finance app that earns you cash back on groceries, high interest on your entire balance, and has tools to build credit history. Get it all + a gift when you join KOHO today! Use my referral code (J4T8TFKO) or link below and we both get rewarded. Easy money! 💰 [referral link hidden]

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
SK
Review
Skyelar Murray · Jan 28, 2026 · Edited
5/5

Just found an awesome finance app that earns you cash back on groceries, high interest on your entire balance, and has tools to build credit history. Get it all + a gift when you join KOHO today! Use my referral code (PQGQ25OY) or link below and we both get rewarded. Easy money! 💰 [referral link hidden]

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
CO
Review
Conner Stewart · Jul 1, 2025
5/5

Just found an awesome finance app that earns you cash back on groceries, high interest on your entire balance, and has tools to build credit history. Get it all + a gift when you join KOHO today! Use my referral code (JRTOLD7V) or link below and we both get rewarded. Easy money! 💰(MUST DEPOSIT $50 OR MORE)

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
MA
Review
Manie Rose · Jun 1, 2025
5/5

KOHO is a Canadian fintech platform offering a prepaid Mastercard and budgeting tools, now enhanced with features tailored for renters. One standout service is its Rent Reporting program, which helps build your credit history by reporting rent payments to Equifax. Using KOHO help me reinforce my credit score prior to becoming a homeowner.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
M
Rating-only review
M H · Apr 28, 2025
4/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
JE
Rating-only review
Jedu Mohamed · Apr 25, 2025
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
@R
Rating-only review
@Reverb · Apr 15, 2025
4/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
JE
Review
Jesse Robitaille · Apr 12, 2025
5/5

KOHO is a Canadian fintech company and digital financial platform offering a suite of financial services, including a spending account, a prepaid Mastercard and a mobile app to help users manage their money. Rather than a traditional bank, KOHO operates in partnership with the People's Trust Company. Funds are protected by industry-leading security systems, and the virtual credit card feature – plus the ability to lock it at any time – adds even more peace of mind. Within seven days of your verification and adding $50+ to your free KOHO account, you will receive $10 cash and two free months of the Everything plan.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
BO
Rating-only review
Boris Hren · Apr 2, 2025
5/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
ÉR
Rating-only review
Éric Labonté · Mar 22, 2025
4/5

Rating shared without a written note.

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
ON
Review
Onyi · Mar 20, 2025
5/5

Make a purchase of $20 to receive $20 in your account

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Contribution context only; this does not verify a purchase or experience.

No public brand response.
RE
Review
Referral Codes Canada · Feb 22, 2025
5/5

Me: I should save more money Also me: Spends $6 on coffee daily [referral link hidden] KOHO: "Here’s $10 cash + 2 free months ($48 value) of perks when you sign up & deposit $50." ✅ Cashback 💰 ✅ Credit building 📈 ✅ High-interest savings 💡 Why are you still reading? Go sign up: [referral link hidden]

Shares a code

Contribution context only; this does not verify a purchase or experience.

No public brand response.
CC
Review
Ccc · Nov 7, 2025 · Edited
5/5

2B4EDL29OF J'utilise KOHO pour mieux gérer mon argent — Remises en Argent, taux d'intérêt élevé, et Renforcement de Crédit, tout au même endroit. Si tu es fatigué de jongler entre plusieurs apps financières, tu devrais y jeter un coup d'œil. Utilise mon code [referral code hidden] quand tu t'inscris et on aura tous les deux un bonus. [referral link hidden]

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Showing 20 of 120 published reviews.

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