Wealthsimple Referral Bonus Not Received? Fix It Today (2026)

The 5 Reasons Your Wealthsimple Bonus Hasn't Arrived

1. The Code Was Entered After Account Creation

This is the #1 cause of missing bonuses. Wealthsimple's referral code field appears during the account creation flow — specifically on the screen where you choose your account type (TFSA, RRSP, etc.). It's labelled "Have an invite code?" If you skipped past it and completed your account, the code was never registered against your account. Wealthsimple does not apply referral codes retroactively. For the full fix process, see the dedicated guide on Wealthsimple referral code not working.

Fix: If you haven't made the qualifying deposit yet, contact Wealthsimple support immediately and explain that you opened the account but didn't enter the code. In some cases (particularly within 24–48 hours of account creation), their support team can manually apply the referral code before the account is fully processed. This is not guaranteed, but worth attempting before giving up.

2. The Deposit Was Less Than $100 or From the Wrong Source

The qualifying deposit must be exactly $100 CAD or more, transferred from an external bank account — not from another Wealthsimple account, not from Wealthsimple Cash, not from a Wealthsimple Crypto wallet. External means your chequing or savings account at a different institution (TD, Scotiabank, your credit union, etc.).

Depositing $75, then $30 later does not combine to meet the $100 threshold if neither individual deposit reached $100. The requirement is a single deposit of $100 or more, or a cumulative external deposit that clears $100 within the 30-day window — check Wealthsimple's current terms as this interpretation has varied.

3. You Already Had a Wealthsimple Account

The referral bonus is strictly for new Wealthsimple users. If you have — or ever had — a Wealthsimple account under the same email address, SIN, or identity, you are not eligible. This includes old Wealthsimple Invest (robo-advisor) accounts that you may have opened years ago and forgotten about, Wealthsimple Tax (SimpleTax) accounts, or accounts opened through a different email that Wealthsimple has linked to your identity via SIN verification.

4. The 30-Day Deposit Window Expired

You have 30 days from account opening to make the qualifying $100 external deposit. If you opened the account on day 1 and deposited on day 32, the bonus does not apply. The clock starts at account creation, not at identity verification completion.

5. It Simply Hasn't Arrived Yet

Wealthsimple's bonus processing takes 7–15 business days after the deposit clears. If your deposit cleared on a Friday, count business days only — weekends and holidays don't count. Many users panic at day 10 when the bonus is still on its way. Wait the full 20 business days before contacting support. While waiting, consider stacking other Canadian sign-up bonuses — Simplii, EQ Bank, and Neo Financial all process independently of Wealthsimple.

Where Exactly to Enter the Wealthsimple Referral Code

For full details on the current bonus terms, see the Wealthsimple referral code page. The code field itself is on the account type selection screen — the step where Wealthsimple asks whether you want a TFSA, RRSP, FHSA, or personal account. Look for a small "Have an invite code?" link or field near the bottom of that screen. Tap it, enter XVJHLJ, and confirm. The field does not appear at checkout or at the deposit stage.

On mobile (iOS/Android), the field can sometimes be hidden below the keyboard. Scroll down or dismiss the keyboard after entering your account type to reveal it. Multiple users report missing it because the keyboard covered the invite code section.

What to Tell Wealthsimple Support

If you've confirmed all five checklist items are satisfied and it's been more than 20 business days, contact Wealthsimple through the in-app chat (fastest response) or email. Include:

1. Your account number or registered email
2. The referral code you used: XVJHLJ
3. Date the code was entered during signup
4. Date and amount of your qualifying deposit
5. Confirmation that the deposit came from an external bank (name the bank)

With this information, Wealthsimple's support team can trace the referral link and manually credit the bonus if all conditions were met. Response times run 2–5 business days via email, typically same-day via in-app chat.

Starting Fresh: How to Claim the Bonus Correctly

If you haven't opened your Wealthsimple account yet, here's the exact sequence that ensures the bonus arrives:

1. Go to wealthsimple.com/invite/XVJHLJ — the referral link pre-populates your code.
2. Complete the signup flow. On the account type screen, confirm XVJHLJ appears in the invite code field.
3. Verify your identity (government ID + SIN). This typically takes 1–3 business days.
4. Within 30 days of account creation, transfer $100 or more from your external bank account (not from within Wealthsimple).
5. Wait 7–15 business days after the deposit clears. The $25 appears as a cash credit.