Every Wealthsimple referral deadline in one place
Wealthsimple referrals run on several clocks: 7 days to add a code, 30 days to fund, and 180 days to keep the bonus. Official terms always win.
Last verified
Disclosure: Not affiliated with Wealthsimple. This site earns a referral bonus when you sign up with code LUML7A and meet the terms. Not financial advice. You are responsible for your own decisions.
At the time of last verification (October 5, 2026), these were the deadlines.
| Clock | What it means | Source |
|---|---|---|
| 7 days | Add a referral code in the app after your first deposit. | Official |
| 30 days | Fund $100+ from outside Wealthsimple after the referral is linked. | Official |
| 24 hours | Usual time for the bonus to arrive after qualifying funding is processed. | Official |
| 90 days | Open a chequing account after the bonus notice, or the bonus is forfeited. | Official |
| 180 days | Keep the bonus in your account, or it may be taken back. | Official |
| 30 days (wrong code) | A code can only be changed if the account is unfunded and more than 30 days have passed since the wrong code was entered. | Official |
| Credit card referral | Card approval within the 30 day referral period. Boost turns on within 72 hours after it ends and lasts 30 days. Keep the card open 180 days after. | Official |
| Monthly Millionaire | October referrals must complete by October 28, 2026 at 11:59 pm ET. | Official |
| 1% transfer match | Start transfers within 30 days of registering; received within 90 days after that. Paid in 24 monthly payments with a 730 day hold. | Official |
Check your own dates
Enter your signup and deposit dates in the free referral bonus checker. It shows your exact deadlines. Nothing is saved.
Related guides
Frequently asked questions
How long do I have to deposit for the Wealthsimple referral bonus?
At the time of last verification, 30 days after the referral is linked. You need $100+ from outside Wealthsimple.
Can I add a referral code after signing up?
Yes, within 7 days of your first deposit, using the Rewards Centre in the app, at the time of last verification.
How long must I keep the referral bonus?
180 days. Withdrawing it earlier can lead Wealthsimple to take it back.
What if I miss the 7 day window to add a code?
The app no longer lets you add it. You can contact Wealthsimple support and ask about a manual referral, but it is not guaranteed.
Sources
Ready to sign up?
Fund a new account with $100+ from outside Wealthsimple within 30 days and you both get $25, at the time of last verification.
Referral code
LUML7A
Last verified October 5, 2026. Official terms always take priority.