The timing depends on the type of reward you are eligible for.
Cash referral rewards for users who referred a friend are credited to your KOHO account within 7 days after all referral conditions are met.
If you signed up using a referral link, your 3-month Everything Plan reward will be applied to your account within 7 days after you complete the required steps.
You can check your referral details in the app by tapping the 🎁 icon on the home screen.