KOHO Affiliate Program

Why Promote This Offer

The KOHO affiliate program pays a CPA of $20 for every new Canadian user who funds their account for the first time. With over 2 million users and a Bank of Canada-registered payment service provider status, KOHO is one of Canada's most trusted fintech apps — giving publishers a strong payout tied to a clear, single-action conversion.

1. A $20 CPA on first funded account is a competitive payout in the Canadian fintech affiliate space, reflecting the strong LTV of an activated KOHO user who earns cashback and interest on every dollar they load and spend.
2. KOHO's 2 million-plus user base and Bank of Canada PSP registration give it the brand trust and regulatory credibility that converts Canadian adults who are cautious about moving money to a non-bank platform.
3. Canada's growing interest in fee-free banking alternatives — particularly among younger Canadians and newcomers who want to avoid traditional bank fees — creates a large, year-round acquisition opportunity for publishers in the personal finance space.
4. The first-funded trigger requires only a single deposit action, making it one of the lowest-friction CPA events in Canadian fintech — no spending history, no credit check, and no monthly fee required on the base plan.

Who Should Promote This

Ideal Publisher Profile

Best suited for Canadian personal finance and budgeting content sites, no-fee banking and credit card comparison platforms, YouTube channels covering money management tips for Canadians, newcomer-to-Canada financial guides, and media buyers running display or native campaigns geo-targeted to Canada with a spending, savings, or banking intent audience.

Audience Match

Converts best with Canadian adults aged 18 to 45 — especially students, newcomers, and gig workers — who want a no-fee prepaid card with cashback and savings interest as an alternative to traditional Canadian bank accounts with monthly fees.

Traffic Rules

Allowed

• Organic Canadian personal finance, budgeting, and banking comparison content
• No-fee and low-fee bank account review and comparison articles
• Email marketing to opted-in Canadian finance audiences
• Native advertising on Canadian finance, news, and lifestyle platforms
• In-app display and DSP campaigns geo-targeted to Canada
• Push notifications targeting Canadian adults with personal finance context
• Newcomer-to-Canada financial guide content

Not Allowed

• Incentivized or reward-based referrals
• Fraudulent account openings or simulated deposits
• Brand keyword bidding on KOHO paid search terms
• Traffic from outside Canada
• Content targeting users under 18
• Pop-up or pop-under traffic

Compliance Note

All promotions must comply with FCAC (Financial Consumer Agency of Canada) advertising guidelines and PIPEDA data standards. Do not misrepresent interest rates, cashback rates, or CDIC insurance coverage. Creative pre-approval required before launch.

Tracking Flow

1. Publisher places their S2S Postback tracking link in Canadian personal finance or banking content.
2. User clicks and is directed to the KOHO app on Google Play or the App Store.
3. User downloads, installs, and registers their KOHO account.
4. User loads money onto their KOHO account for the first time.
5. S2S Postback fires the first-funded conversion event to the affiliate network.
6. Conversion enters the 30-day validation window.
7. After validation, $20 is credited to the publisher's payout balance.

Tracking Window: 30 days  |  Attribution: Last-click  |  Tracking Method: S2S Postback  |  Deduplication: One CPA per unique new Canadian user first funded account

Promotional Tips

• No-fee banking comparison content positioning KOHO against TD, RBC, and Scotiabank monthly-fee accounts is the strongest conversion angle for Canadian audiences — even a $4/month saving resonates strongly with budget-conscious Canadians.
• Newcomer-to-Canada financial guides are a high-converting niche for KOHO — new residents often struggle to open a traditional bank account quickly, and KOHO's instant setup with no credit history requirement makes it the easiest first Canadian account to get.
• Credit building content is a strong acquisition angle for KOHO's paid plans — Canadians with thin or damaged credit history are a large audience who are actively looking for regulated tools to rebuild their credit score over time.
• For media buyers, in-app placements in Canadian budgeting, bill tracking, and personal finance apps deliver strong contextual reach to users already actively managing their money and open to a better spending account option.

Payment Methods

Publishers are paid through multiple flexible methods including Crypto, Wise, PayPal, Wire Transfer, and more. Payouts are processed on a Net-30 cycle once your earnings clear the minimum payout threshold. Contact your account manager if you need to set up or change your preferred payment method.