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Active bonus · 2026 · Exclusive offer

Get $45 total
with Wealthsimple

$25 from Wealthsimple + I send you $20 via Interac e-Transfer as soon as your referral is confirmed. Takes less than 5 minutes.

Claim my $45 → No credit card required · Canada only
Referral code
LOIO3A
3M+
Users across Canada
$45
Total cash for you
$100
Minimum deposit
24h
Bonus delivery time
Exclusive · This site only
I send you $20 back
via Interac e-Transfer

Wealthsimple pays me $25 when you open an account. I give you back $20 directly by e-Transfer — as soon as your referral is confirmed.

$25
Wealthsimple
bonus
+
$20
Interac e-Transfer
from me
=
$45
Total cash
for you
Send me your info to get your $20 💸
Fill this out after opening your account and making your $100 deposit. I'll send the e-Transfer as soon as your referral is confirmed.
✅
Got it! Your $20 e-Transfer is on its way.
I'll send your $20 Interac e-Transfer as soon as Wealthsimple confirms your referral.
Check your Interac notifications in the next few hours.

If auto-deposit is not enabled:
Security question: Wealth · Password: simple
🔒 Your info is used only to send your e-Transfer · No spam
Active offers

What you can stack
right now

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

💸Exclusive
I send you $20 back
$20
Fill in the form above with your Interac e-Transfer email. I'll send you $20 by e-Transfer as soon as your referral is confirmed. Immediate.
Offer valid as long as the Wealthsimple program is active
💵Always active
Wealthsimple 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: $20 e-Transfer from me + $25 referral bonus + (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 from Wealthsimple + $20 from me = $45 total. The referrer earns an additional bonus from Wealthsimple 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

4 steps,
5 minutes

No paperwork, no waiting. Everything happens in the app — and the e-Transfer arrives quickly.

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 from Wealthsimple lands within 24 hours.
24h
04
Get $20 more
Fill in the form with your Interac e-Transfer email. I'll send you $20 as soon as the referral is confirmed.
+$20 e-Transfer
FAQ

Common questions


I receive $25 from Wealthsimple for each referral. I decided to give back $20 to you directly via Interac e-Transfer. You therefore receive $45 total: $25 from Wealthsimple + $20 from me. Just fill in the form with your first name, last name, and Interac email after making your deposit.
I send the transfer as soon as Wealthsimple confirms your referral is valid (usually within 24 hours of your qualifying $100 deposit). Make sure you fill in the form beforehand — it's needed so I can send you the transfer.
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. See our full guide →
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, the Wealthsimple referral program is available across Canada, including Quebec. The $25 bonus is deposited into your Wealthsimple Chequing account within 24 hours of your qualifying $100 deposit.
Wealthsimple does not issue a T4A slip for referral bonuses. However, the CRA may consider this amount taxable income. Consult an accountant if unsure — for most people, $25 has minimal tax impact.
The $25 bonus appears in your account immediately but cannot be withdrawn for 180 days from the date it's applied. Your original $100 deposit remains fully accessible — only the bonus amount is subject to the hold period.
Your personal code is in the app: 🎁 icon → "Invite friends". It's permanent and unique. See the full guide →
Yes. Wealthsimple is a member of CIRO (Canadian Investment Regulatory Organization) and eligible accounts are protected by CIPF up to $1M.
Exclusive offer · $45 total


Ready to claim your $45?

$25 from Wealthsimple + $20 I send you via Interac e-Transfer. Join over 3 million Canadians already investing with Wealthsimple.

Open my free account →