Answer first
Register Before Moving Money
A referral code, transfer match and targeted offer can have different registration, funding, payout and hold rules. Open the Rewards Centre, read the exact offer attached to your account, register first when required, then fund through the qualifying route.
Do not assume every promotion stacks. A current offer must expressly allow the other promotion.
Current snapshot
Offers Worth Checking
| Offer | Who it can fit | Core qualification |
|---|---|---|
| Standard referral | A qualifying new client and eligible referrer | Apply the relationship on time and receive at least $100 of eligible external funding within the funding period |
| 1% Match 2026 | Eligible new or existing clients transferring external investment or crypto accounts | Register first and complete qualifying transfers during the 30-day qualification period; official maximum and hold rules apply |
| Targeted or product offer | Only clients shown the invitation or meeting its exact audience rules | Use the deadline and action stated in the in-app or web Rewards Centre |
Referral details
Standard Referral at a Glance
The referred client must be eligible under the current definition of a new client, be the primary holder of the funded account and have an active Chequing account for payment. A code can generally be applied to a first-funded account within the stated seven-day retroactive window. The official terms control edge cases.
Code on this site:
Stacking check
Can a Referral and Transfer Match Be Combined?
The current 1% Match 2026 terms state that it cannot be combined with other active Wealthsimple promotions except specifically listed offers, including the Wealthsimple Referral Program. That supports combining those two only when you independently satisfy both sets of terms.
Before the transfer
- Confirm the match appears available to you.
- Register for it before starting the transfer.
- Save the confirmation and qualification deadline.
Before using another offer
- Read both combinability clauses.
- Check which funding events count for each.
- Do not reuse one deposit if either offer excludes it.
Simple estimate
Worked Example, Not a Quote
If an eligible client registers for a 1% transfer match and Wealthsimple receives a qualifying net transfer of $100,000, a simple 1% estimate is $1,000. Actual eligibility, valuation, payout timing, hold period, withdrawals and account exclusions come from the official match terms. A referral reward is separate and requires its own qualifying relationship and funding.
How this page is maintained
Primary Sources, Not Promo Guesswork
Canadian personal investor Yash Singla checked the live official terms on July 14, 2026 and removed stale campaigns, generic “stack everything” claims and copied competitor wording. Because offers can open, close or become targeted, the Rewards Centre and official promotion page remain the final status check.
Official sources