Koho increased the referral bonus to $60! ($20 after 1st purchase (see below to get today) + $40 after Direct Load/Deposit of min. $500 within 30 days of sign up) . All you need is a pdf of a current bank statement and a utility bill to prove you are who you say you are. Save money while you spend, you get 0.05% of all money you spend back. On top of that there are hardly any fees, no withdraw fees with dc bank machines, free etransfers, free money uploads, so many benifits, you just have to check...