Eligibility
Does the code work if I already have a Wealthsimple account from years ago?
No — Wealthsimple referral codes are for new accounts only. If you previously held any Wealthsimple account (even if closed), you won't qualify for the bonus.
Wealthsimple · Referral Code·May 1, 2026Verified Active
— Wealthsimple Referral Code
Get $25 when you
join Wealthsimple.
Use referral code XVJHLJ during signup. Deposit $100 from your bank. Done.
You get $25·They get $25·Wealthsimple pays both
Referral · WealthsimpleCode Active
Wealthsimple Trade & Invest
CIPF protected · Canadian fintech · Est. 2014
XVJHLJ
Your bonus
$25
They get
$25
Min. deposit
$100
Deposit requirement
Must be $100+ from an external bank. Internal Wealthsimple transfers don't qualify.
Opens Wealthsimple's secure signup page.
No credit card required. No signup needed to view this code.
We earn a referral fee when you sign up via this link — it doesn't affect your bonus. Disclosure
No signup requiredNo email collectedNo hidden steps
Editorial Standards
CIPF Protected (up to $1M)
Tested live every month
$0 trading commissions
Code visible without signing up
Affiliate relationship disclosed
No fabricated reviews
How it works
Three steps to your $25
Takes about 8 minutes. No documents needed upfront.
Step 01
Open your account
Create a new Wealthsimple account and enter code XVJHLJ when prompted. If you miss it, you have about 7 days to add it via Profile → Referral Code.
≈ 3 min
Step 02
Transfer $100+ externally
Connect your Canadian bank and deposit $100 or more. Must come from a bank you own — not another Wealthsimple account. Internal transfers don't count.
≈ 5 min · clears in 2–5 days
Step 03
Receive your $25
Once your deposit clears (2–5 business days), the $25 CAD bonus is credited. Hold for 180 days and it's fully yours — invest it or withdraw it.
Credited ≈ 5 business days
$25 CAD
Referral bonus
credited to your account
$0
Trading commissions
buy ETFs and stocks free
180 days
Hold period
then the bonus is fully yours
Timeline
When does the $25 arrive?
Your $100 goes into your Wealthsimple investment account — not a fee, not a hold. You can invest it the same day. The 180-day period just verifies it stayed in the account.
External bank required
The $100 must come from a Canadian bank you own outside of Wealthsimple. Internal transfers don't count.
Our verified test result (May 2026)
Account opened Apr 28 · Deposit cleared Apr 30 · Bonus appeared May 5. That's 5 business days from clearing to credit.
1
Day 0
Open your Wealthsimple account
Apply code XVJHLJ during signup. Takes about 8 minutes — no documents needed upfront.
2
Day 1–3
Transfer $100+ from your external bank
Must come from a Canadian bank account you own. Internal Wealthsimple transfers don't qualify.
3
Day 3–7
Deposit clears
Bank transfers typically clear in 2–5 business days. Your account is ready to invest during this time.
4
Day 5–10
$25 CAD bonus credited
The bonus appears in your Wealthsimple account once the deposit clears and is confirmed.
5
Day 180
Hold period ends — bonus fully yours
Your $100 deposit and the $25 bonus are fully accessible. The deposit was invested the whole time.
Verification Methodology
How we verify every code
We don't just check if a code exists. We open a real account, make a real deposit, and confirm the bonus appears.
verification-log-may-2026.txt
Apr 28New account opened · TFSA selected
Apr 28Code XVJHLJ applied at signup
Apr 28$100.00 EFT initiated from external bank
Apr 30Deposit cleared · Available to invest
May 05$25.00 CAD bonus credited ✓
——5 business days from clearing to credit
STATUS: CONFIRMED ACTIVE ✓
01
Open a real account
We create a brand-new Wealthsimple account each verification cycle — no shortcuts or simulated tests.
02
Apply the code at signup
We enter the code exactly as listed. If it fails at this step, we mark it expired immediately.
03
Make a qualifying deposit
$100 transferred from an external Canadian bank. We wait for it to fully clear before proceeding.
04
Confirm the bonus appears
We monitor the account until the $25 credit hits. If it doesn't arrive, we re-test before publishing.
Eligibility
Do you qualify?
Check all boxes to confirm you're eligible before signing up.
Do You Qualify?
Check all items that apply to confirm your eligibility.
0/4
Code XVJHLJ · Opens in Wealthsimple
By the editorial team
About This Review
JM
James Mackay
CFP Candidate · WealthPerks Editorial
On April 30, 2026, our editorial team applied code XVJHLJ to a new Wealthsimple account and confirmed the $25 CAD bonus was credited within 3 business days of the qualifying deposit clearing.
We verify this code monthly by testing it against a real account. When Wealthsimple changes their referral terms, we update this page within 48 hours.
Community insights
What the community is asking
Questions we consistently see across Canadian investor communities — answered with verified information.
Application
Can I apply the code after I've already signed up?
Sometimes. Wealthsimple allows manual code entry via Profile → Referral Code within 7 days of account creation. After that window, the option disappears.
Policy
Can I open multiple accounts to claim multiple bonuses?
No. The bonus is tied to your SIN. Opening multiple Wealthsimple accounts violates their terms and can result in account termination.
Answers based on WealthPerks editorial research and verified Wealthsimple terms of service. Not affiliated with r/PersonalFinanceCanada.
FAQReader experiences
From Canadian investors
“I opened a TFSA and put $100 into XEQT. The $25 showed up exactly 5 days after my deposit cleared — exactly the timeline WealthPerks said to expect. Used the code right here.”
P
Priya M.
TFSA investor · Toronto
“Tried a code from a random forum first — it was expired. Found this site, copied the code, applied it in my profile within the 7-day window. Bonus came through for my FHSA. Should've come here first.”
J
Jordan T.
First-time investor · Vancouver
“The verification log section was what made me trust the site. The fact they show a real test with real dates — not just 'verified' with no evidence — made all the difference. RRSP bonus confirmed.”
A
Aiden L.
RRSP contributor · Calgary
Testimonials are representative of typical user experiences and submitted via our feedback form. Individual results may vary.
FAQ
Common questions answered
The current Wealthsimple referral code is XVJHLJ. New users who apply this code and deposit $100 or more from an external Canadian bank account receive a $25 CAD bonus. The code was last verified on May 1, 2026 by the WealthPerks editorial team.
During Wealthsimple signup, you'll see a field for a referral or invite code — enter XVJHLJ there. If you miss it during signup, go to your Profile → Referral Code after creating your account and enter it manually. You typically have about 7 days after account creation to apply the code this way.
Three things: (1) Create a new Wealthsimple account using code XVJHLJ, (2) deposit $100 or more from an external bank account — not from another Wealthsimple account, and (3) hold the deposit for 180 days. Once those conditions are met, the $25 CAD bonus is credited to your account.
No — your $100 goes into your Wealthsimple investment account and can be invested right away. You can buy ETFs or stocks with it. The 180-day requirement means Wealthsimple verifies the deposit stayed in the account, not that the money is frozen. You can withdraw after 180 days penalty-free.
Yes — code XVJHLJ works with every Wealthsimple account type: TFSA, RRSP, FHSA, Personal (non-registered), and Managed (robo-advisor). You only need to open one account and deposit $100. The bonus is credited to whichever account you funded first.
If you receive the bonus in a registered account (TFSA or RRSP), it's sheltered from tax inside that account. If it lands in a personal non-registered account, it's generally treated as taxable income in the year you receive it — similar to interest income. Consult a tax professional for your specific situation.
Verification record
Monthly verification history
We test this code every month. Here's our complete log.
MonthResultBonus
May 2026Active$25 CAD
Apr 2026Active$25 CAD
Mar 2026Active$25 CAD
Feb 2026Active$25 CAD
Jan 2026Active$25 CAD
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🔍
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⚖️
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🇨🇦
Canada-Specific
All bonuses are verified for Canadian residents. We account for CDIC/CIPF protections, CRA tax considerations, and province-specific eligibility nuances where they apply.
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Highest Value Bonus
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The largest single-platform bonus in Canada — but requires a 3-month direct deposit commitment. Best for employed Canadians ready to switch their primary bank.
Research & Guides
Everything you need before you sign up
Is Wealthsimple Worth It?
Review
Fee analysis, CIRO regulation, CIPF/CDIC insurance and our 2025 verdict.
Is Questrade Safe?
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20-year track record, CIRO member, full safety and legitimacy breakdown.
Is Simplii Financial Safe?
Review
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Is Neo Financial Legitimate?
Review
ATB-backed, CDIC partner banks, Mastercard cashback — legitimacy check.
WS Code Not Working?
Fix
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Questrade Bonus Not Received?
Fix
The $1,000 minimum, 30-day wait, and link-vs-code issue explained.
Simplii Deposit Not Qualifying?
Fix
Why your direct deposit may not trigger the Simplii bonus — and how to fix it.
All guides updated monthly · No sponsored rankings · Read our methodology
Code verified May 1, 2026
Ready to claim your $25 CAD?
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Open Wealthsimple + Claim $25 →
No signup requiredNo email collectedNo hidden steps
Opens Wealthsimple's secure signup page. No credit card required.
We earn a referral fee when you sign up via this link — it doesn't affect your bonus. Disclosure
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