Active bonus · 2026

Get $25 free
with Wealthsimple

Open a Wealthsimple account, deposit $100, and we both get $25 cash. Takes less than 5 minutes.

Claim my $25 → No credit card required · Canada only
Referral code
LOIO3A
3M+
Users across Canada
$25
Guaranteed for you
$100
Minimum deposit
24h
Bonus delivery time
Active offers

What you can stack
right now

These promotions are stackable. Open your account today and combine all of them at once.

💵Always active
Referral bonus
$25
Deposit $100 from an external institution. Get $25 cash within 24 hours. No minimum balance required after that.
No confirmed expiry date
🏠Expires Apr 30
The (Un)real Deal — Transfer match
1% – 3%
Transfer $25,000+ from another institution and get a cash match on your deposit, paid out over 1 to 5 years.
Register before April 30, 2026
💳By invite
Wealthsimple credit card
5%
5% cashback on purchases during the welcome period. By invitation only — check the Rewards tab in your app.
Availability varies by user
🔁Fee covered
Transfer from your bank
$150
Wealthsimple reimburses your old institution's transfer-out fee when you bring $25,000+.
Ongoing perk (threshold raised April 2025)
💡 These offers stack: referral code + (Un)real Deal transfer match + transfer fee reimbursement — all at the same time.
Manually verified · Last checked: April 2026 · See all official offers →
Bonus tiers

The more you deposit,
the more we both earn

You always get $25. The referrer earns an additional bonus based on your deposit amount.

$100 – $999
$25
For you
$1,000 – $9,999
$125
Referrer bonus
$10,000 – $49,999
$175
Referrer bonus
$50,000+
$275+
Referrer bonus

* Up to $5,075 per referral for large transfers. External deposit required.

How it works

3 steps,
5 minutes

No paperwork, no waiting. Everything happens in the app.

01
Click the link
Use the referral link above or manually enter code LOIO3A during sign-up.
Free
02
Open your account
Self-directed investing, crypto, or chequing. Quick identity verification.
5 minutes
03
Deposit $100
External deposit of $100+ within 30 days. Your $25 lands within 24 hours.
24h
FAQ

Common questions


Yes — as long as you're a new Wealthsimple client (never had a self-directed, crypto, or chequing account) and you deposit at least $100 from an external institution within 30 days.
Yes! Wealthsimple Tax doesn't count as a qualifying account. You can still open an investment or chequing account and receive the full bonus.
You can still add a referral code in the Wealthsimple app up to 7 days after opening your account, as long as it hasn't been funded yet.
Into your Wealthsimple Chequing account within 24 hours of your qualifying deposit. If you don't have one yet, you have 30 days to open one.
Yes. Wealthsimple is a member of CIRO (Canadian Investment Regulatory Organization) and eligible accounts are protected by CIPF up to $1M.
Offer active · No confirmed expiry date


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