KOHO Promotions: $20 Sign-Up Bonus, $20 Referral Offer

Here you can find an updated list of the latest KOHO promotions, bonuses, and offers.

Typical offers include a $20 bonus for signing up, or another $20 bonus for referring friends and family to the platform. These offers are only available to Canada residents.

KOHO Promotions Review

KOHO is a Fintech company with the belief that better banking alternative exists. The online banking option only creates financial products that are open, intuitive, and designed to help you live a better live. Additionally, they are partnered with Visa and Peoples Trust to bring a secure product that can be used worldwide. KOHO is backed by established investors like the Power Group, Drive Capital, and Portag3.

• Bonus Link:
  • $20 Sign-Up Bonus
  • $20 Referral Bonus
• Account Type: KOHO, KOHO Premium, KOHO Joint
• Availability: Canada
• Branches: Online only
• Credit Inquiry: Soft Pull or Hard Pull? Let us know!
• Direct Deposit Requirement: None
• Credit Card Funding: Unknown
• Early Termination Fee: None Listed

For more current offers, check out our bank bonuses page. Compare KOHO rates for CDs and Savings with our best rates for Savings and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.

KOHO Account Features

KOHO is a free spending and savings account that makes your personal finances simple, smart, and rewarding. Here are some features associated with KOHO’s accounts.

Get your money earlier

• Get access to $100 of your government payments early
• Set up your CRA payments to KOHO to be eligible (CERB)
• No fees or interest, just a little buffer for your bills

Save and Earn

• Earn 0.5% cash back on all purchases, more with Premium
• RoundUp feature takes your space change and stashes it away
• Reach your goals faster with automated savings
• Earn up to an extra 5% cash back at select merchant

Account Security

• Lock your card anytime in app
• Friendly support at your fingertips
• A separate Virtual Card for your online shopping
• A federally regulated financial institution holds your funds

Budget and Track

• Preload your spending money to make budgeting easy
• Get balance updates after each purchase
• Use spending insights to stay on track
• Get access to free financial coaching

In addition to the KOHO account features, I’ll go over KOHO offers below.

KOHO $20 Sign-Up Bonus

• What you’ll get: $20 bonus
• Where it’s available: Canada, Online
• How to earn it: 
  • Sign up for a new KOHO Smart Spending Account using a referral link or referral code when registering online
  • Make at least 1 purchase using the KOHO card within 30 days of account opening
  • You will receive the $20 bonus after the first
• When it expires: None Listed

(Limited Time)

KOHO $20 Referral Offer

• What you’ll get: 
  • Referrer earns $20 bonus
  • Referee / Person being referred earns $20 bonus
• Where it’s available: Canada; Online
• How to earn it:
  • Share your referral link to your friends and family members
  • The person being referred must make their first purchase using the KOHO card within 30 days of account opening
  • After their first purchase, the referrer will earn the $20 bonus
• When it expires: None Listed

(Limited Time)

How to Avoid KOHO Monthly Fees

KOHO – No monthly fee associated with this account

KOHO Premium – $9 monthly fee or $84 annual fee. These fees are fixed and cannot be waived

KOHO Joint – No monthly fee associated with this account

Author’s Verdict

KOHO is a new and intuitive way to bank. By offering their products entirely on online, accessing your bank account couldn’t be easier. Additionally, they offer a plethora of account features which are all accessible through the online portal. If you are a Canada resident, you should definitely check out KOHO!

Additionally, you can find a full list of the best bank promotions here. Finally, remember to bookmark this page because you will always find an updated list of KOHO promotions here.

Huntington Bank Bonuses & Promotions: $100, $400, $1,000 Checking Offers 2025

Discover Bank Promotions: $150/$200 Savings Bonus, $360 Cashback Debit Bonus, Up to 4.10% APY for 2025

CIT Bank Promotions: $225, $300 Bonus + Up to 4.10% Platinum Savings, Savings Connect, CD Rates

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