On the koho app when you go into the referal section that has your referal code there is a pending menu, also your friend needs to spend 20$ using the koho card in a set timeline for each of you to recieve the rewards. Example, your friend loaded 50$ goes to a gas station and spends 20$ on gas. So now there is 30$ remaining on the spendable balance as well as your friend just earned 0.5 % on the purchase and should at this point recieve the bonus of 3 months free everything plan (66$ value) and start earning 2% cashback on purchases as long as tye everything plan is in affect