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Full guide · iPhone & Android · 2026

How to Use a
Wealthsimple Referral Code

Two methods depending on your situation: during sign-up or within 7 days after. Code LOIO3A gives you a guaranteed $25.

Use code LOIO3A automatically → The link applies the code — no manual entry needed
Referral code
LOIO3A
Exclusive I send you $20 via Interac e-Transfer on top of Wealthsimple's bonus — $45 total. See the offer + form →
Method 1

During sign-up
(recommended)

The easiest way — the code is applied automatically via the link.

01
Click the link below
Code LOIO3A is applied automatically — no need to type it manually.
Automatic
02
Create your account
Choose your account type: TFSA, RRSP, FHSA, or non-registered.
5 minutes
03
Verify your identity
Photo ID + selfie. Under 5 minutes using your phone.
Quick
04
Deposit $100+ from your bank
External deposit only. The $25 bonus lands in your Chequing account within 24h.
24h
Method 2

After sign-up
7-day window

If you already have an account but haven't entered a code yet. Mobile only.

01
Open the Wealthsimple app
On your phone only — this option is not available on the web browser.
Mobile only
02
🎁 icon top right
Tap the gift icon in the top right corner of the main screen.
Home screen
03
"Enter a referral code"
Select this option at the bottom of the rewards screen.
Scroll down
04
Type LOIO3A and confirm
Valid only within 7 days of your first deposit. After that, the button disappears permanently.
7 days max
Key points

What to know before
you start

These 3 rules explain the majority of missed bonuses.

Availability
Mobile
The code only works in the iOS or Android app — not on wealthsimple.com
Time limit
7 days
Once your account is funded, you have exactly 7 days. After that, the button disappears permanently.
Minimum deposit
$100
The bonus is only triggered after an external deposit of $100 or more.
FAQ

Common questions


Yes. The link automatically applies code LOIO3A. Use the link to avoid any manual entry errors.
No. Manually entering the code after sign-up is only available in the Wealthsimple mobile app (iOS or Android).
Check that your account has been funded for less than 7 days AND that you've never had a Wealthsimple account before (even a closed one disqualifies you).
Offer active · No confirmed expiry date


Ready to use the code?

Click the link below — code LOIO3A is applied automatically and you get $25 on your first $100 deposit.

Open my account with LOIO3A →