Last verified:April 30, 2026
Last updated:April 30, 2026
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Written by Andrew MacCallum — Canadian Investing & Fintech Contributor
Content independently verified against current offer terms — Last verified May 1, 2026 · Next review August 2026
Quick Answer
To apply a Wealthsimple referral code: open the signup page using a referral link (code pre-fills automatically), or manually enter the code in the "Referral code" field during account creation. The code cannot be added after signup.
⚠️ Important: The referral code must be applied during account creation.
Wealthsimple does not allow referral codes to be added after your account is created. If you complete signup without a code, the bonus cannot be retroactively applied.
Method 1: Use the Referral Link (Easiest)
The simplest way to apply the referral code is to use the referral link directly. It pre-fills the code automatically so you don't need to type it.
Method 2: Enter the Code Manually
If you prefer to navigate to Wealthsimple directly, follow these steps to manually enter the referral code:
- 1
Get the referral link or code
Use the referral link https://www.wealthsimple.com/invite/XVJHLJ — this pre-fills the code automatically. Or note the code XVJHLJ to enter manually.
- 2
Click 'Get started' or 'Open an account'
Navigate to wealthsimple.com and click the sign-up button, or use the referral link which takes you directly to the registration flow.
- 3
Enter your email and create a password
Complete the first step of account creation with your email address and a secure password.
- 4
Look for the 'Referral code' or 'Invite code' field
During signup, Wealthsimple shows a field for a referral or invite code. If you used the referral link, it may already be pre-filled with XVJHLJ. If not, enter it manually.
- 5
Enter code XVJHLJ
Type XVJHLJ exactly (uppercase, no spaces). Click 'Apply' or continue to the next step.
- 6
Complete identity verification (KYC)
Upload or photograph your government-issued ID (driver's licence or passport). Wealthsimple will verify your identity — this usually takes a few minutes.
- 7
Choose your account type and fund it
Select Personal Investing, TFSA, or RRSP. Connect your bank account and deposit at least $100 to activate the referral bonus.
- 8
Wait for your bonus
Your $25 CAD bonus will appear in your Wealthsimple account within 5–7 business days after your deposit clears.
Troubleshooting: Referral Code Not Working
Problem: The referral code field doesn't appear
Solution: Try using the direct referral link instead of navigating to wealthsimple.com manually. The link triggers the referral flow. If it still doesn't appear, try a different browser or clear your browser cache.
Problem: Code shows "invalid" or "not recognized"
Solution: Ensure you're entering XVJHLJ in all uppercase with no spaces. If copying from a message, delete any invisible characters by typing the code manually.
Problem: You already have a Wealthsimple account
Solution: Existing users — including those with closed accounts — are not eligible for the new-user referral bonus. The code will not apply.
Problem: You forgot to enter the code during signup
Solution: Contact Wealthsimple support at support.wealthsimple.com immediately after account creation. While they typically cannot retroactively apply codes, it's worth asking, especially if it was a technical issue.
Current Offer — Verified May 2026
Get $25 CAD Free
Open a Wealthsimple account using code XVJHLJ and deposit any amount to unlock your cash bonus.
New Wealthsimple users only · Not financial advice · Affiliate disclosure
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WealthPerks Insight
Using the referral link (rather than entering the code manually) eliminates the most common cause of failed applications: forgetting to enter the code during signup.
When you click a referral link, the code is pre-applied in the background — you do not need to remember or type XVJHLJ. The referral link method has a significantly higher success rate than manual code entry because it removes the human error component from the process.
Common Application Mistakes — And How to Avoid Them
| Mistake | Why It Happens | How to Avoid |
|---|---|---|
| Skipping the referral code field during signup | The field is easy to miss in a multi-step form | Use the referral link — it pre-fills the code automatically |
| Typing the code incorrectly (XVJH1J vs XVJHLJ) | Letter "L" vs number "1" confusion in monospace fonts | Copy-paste the code directly — never retype it manually |
| Applying the code to the wrong account | Wealthsimple supports multiple account types | Confirm you are creating a Personal, TFSA, or RRSP account — not a Cash account |
| Trying to add the code after account creation | Users assume it can be added later in settings | It cannot — the code must be applied during initial signup only |
| Using a previously registered email address | Users who had a Wealthsimple account before may not remember | Check if you have an old Wealthsimple account before starting |
WealthPerks Take
The referral link method is unambiguously better than manual code entry. Click the link, complete signup in one session, deposit $100, and wait 7–12 business days. There is no complex decision-making required — the process is straightforward for anyone who follows these steps in order.
See also: How Wealthsimple referrals work → | Full FAQ →