Every Wealthsimple Bonus Available in 2026
Wealthsimple runs several different promotions at different times — and they can often be stacked. Here's a complete breakdown of every bonus currently available and how to claim them all.
1. Referral Code Bonus — $25 Cash (New Clients)
The standard new-client bonus. Open any Wealthsimple account with referral code NLX83A and deposit $100 within 30 days. Wealthsimple deposits $25 cash into your account.
- Who qualifies: New Wealthsimple clients only (no prior investment or chequing account)
- Minimum deposit: $100 from an external bank (updated from $1 as of Feb 25, 2026)
- When you get it: Typically within 24 hours of deposit clearing
- Hold period: 180 days before you can withdraw the bonus amount
- How to apply: Use our referral link (code auto-applies) or enter NLX83A in the app's 🎁 Gift Box
Code NLX83A is verified active as of March 2026. Claim it here →
2. Transfer Match Promotion — Up to 3% on Assets
Wealthsimple periodically runs a transfer promotion (often called "The (Un)Real Deal" or similar) where they match a percentage of assets you transfer in from another financial institution. This is separate from the referral bonus and can be stacked with it.
- Who qualifies: New and existing Wealthsimple clients with $25,000+ to transfer
- How it works: Choose a 1% match (12-month commitment) or 3% match (2-5 year commitment)
- No cap mentioned on recent versions — a 3% match on $500,000 is $15,000
- How to access: Look for the promotion banner in the Wealthsimple app 🎁 or check wealthsimple.com/promotions
- Important: Must be an institutional transfer (from TD, RBC, Questrade, etc.) — not an internal Wealthsimple transfer
Transfer promotions typically run for a limited window (e.g. January–March for RRSP season). Always check the current end date before initiating a transfer — these offers expire.
How to Stack Both Bonuses
The referral bonus and transfer promotion can be used together. The optimal order:
- Sign up with referral code NLX83A using our link
- Deposit $100 from your bank to trigger the $25 referral bonus
- Open the 🎁 Gift Box in the app and register for the transfer promotion (if active)
- Initiate a transfer from your other institution for the matched amount
Both bonuses process independently. You'll receive the $25 referral bonus quickly, and the transfer match is paid out over the commitment period.
3. Friend Referral Rewards (Existing Clients)
Once you're a Wealthsimple client, you get your own referral code. When someone you refer signs up and deposits, you earn a reward based on their deposit amount. These rewards are much higher than the new-client bonus:
| Friend Deposits | You Earn |
|---|---|
| $100 – $999 | $100 |
| $1,000 – $9,999 | $125 |
| $10,000 – $49,999 | $175 |
| $50,000 – $99,999 | $275 |
| $100,000+ | $575 – $5,075 |
Wealthsimple Premium Perks
Wealthsimple Premium ($10/month or included with $100K+ portfolio) includes several perks that act as ongoing bonuses:
- 0% USD/CAD conversion (versus 1.5% on standard) — on a $50,000 USD purchase, that's $750 saved
- Priority customer support
- Access to IPO and private market investments
- Tax loss harvesting on managed portfolios
What About "Wealthsimple Promo Codes" or "Coupon Codes"?
Wealthsimple uses the terms "referral code," "promo code," "promotional code," and "invite code" interchangeably — they all refer to the same $25 new-client bonus. There are no coupon codes or discount codes at Wealthsimple in the retail sense. The referral code NLX83A is the active bonus code.