Canada Referral Codes

Referral Bonus Not Received? Payout Timing & Fixes

A missing bonus usually means a requirement is incomplete, the payout window is still open, or the referral was never attached. Count from completed qualification, not signup.

By CRC Research Team Updated Reviewed

Find Out What's Holding Up Your Bonus

Step 1
Did It Attach?

Check the code or link was used at signup.

Go to Referral Not Attached

Step 2
Did You Qualify?

Deposit, hold, and spend rules vary by provider.

Go to Provider Table

Step 3
Is the Window Over?

Count business days from completed qualification.

Go to Before Support

First check that the referral was attached. If the code was missing at signup, use the separate recovery guide. No payout timeline guarantees a bonus when an eligibility rule was missed.

When Should the Bonus Arrive?

One table answers the page title in 10 seconds. Cards below keep the detail.

At-a-glance payout timing for Wealthsimple, EQ Bank, Tangerine, and Simplii.
ProviderQualify ByPayout After
Wealthsimple$25$100+ external funding in 30 days$25 in full within 24 hours.
EQ Bank$20Deposit $100 in 30 daysWithin 5 business days, typically 3 to 5
Tangerine$50$250 deposit or invest, 60-day holdWithin 30 days after qualification
Simplii$50$100 deposit plus 30-day hold, or $100 Visa spend, in 6 monthsWithin 30 business days. Timing varies by link type.

Business days: Monday to Friday, not weekends or Canadian bank holidays. Skip a holiday inside the window when counting; it pushes the due date by one business day.

Wealthsimple

$25 Bonus
Amount
$25. You and your referrer each get $25.
Qualify
External funding only. Internal transfers do not count.
Hold
180-day bonus hold. Withdrawing early can look like a missing bonus.
Catch
Your referrer also needs $100 or more in qualifying external deposits when you fund, or the referral does not qualify.
Payout
$25 in full within 24 hours after funding processes. Paid into Chequing.
Referrer Only
Your referrer earns $25 for a qualifying referral.
Where to Check
Check app activity and Chequing history.
Worked Date
Example only: if you signed up and funded on Thu Nov 5, 2026, $50 by Fri Nov 6, window ends Sat Dec 5. First-party terms checked Nov 8, 2026.

Wealthsimple Referral Details

EQ Bank

$20 Bonus
Amount
$20. You and your referrer each get $20.
Qualify
Deposit $100 within 30 days of activation.
Payout
Within 5 business days after qualification, typically 3 to 5.
Where to Check
EQ account. Check In Progress, Completed or Expired in the referral dashboard.
Worked Date
Example only: qualify on Thu Nov 5, 2026, payout by Fri Nov 13 at 5 business days. Nov 11 is Remembrance Day, a bank holiday, so it does not count. First-party terms checked Nov 8, 2026.

EQ Bank Referral Details

Tangerine

$50 Bonus
Qualify
Deposit or invest at least $250 within 60 days. Opening only a credit card does not qualify.
Hold
Keep $250 for 60 consecutive days.
Payout
Within 30 days after qualification, into an eligible non-registered Savings or Chequing account.
Where to Check
Account history.
Worked Date
Example only: deposit on Mon Nov 9, 2026, hold ends Fri Jan 8, 2027, payout by Sun Feb 7, 2027, which is a Sunday, so check the account on Mon Feb 8. First-party terms checked Nov 8, 2026.

Tangerine Referral Details

Simplii

$50 Bonus
Qualify
$100+ deposit or $100+ Visa spend within 6 months. Quebec residents are excluded.
Hold
Keep $100+ for at least 30 days, or spend $100+ on Visa, within 6 months. The Visa route has no 30-day balance hold.
Payout
Within 30 business days after qualification. Timing varies by link type, standard versus affiliate PDF.
Where to Check
Check account history in Simplii.
Worked Date
Example only: deposit on Mon Nov 9, 2026, hold ends Wed Dec 9, 2026, payout by about Mon Jan 25, 2027. Dec 25, Dec 28, and Jan 1 are bank holidays, so they do not count. First-party terms checked Nov 8, 2026.

Simplii Referral Details

Tracked and affiliate signup terms may differ. Bars show the steps, not the wait. Check each card for the real timing.

These are referral payout windows—not the deadlines for separate public welcome, transfer or promotional-interest offers.

Before Contacting Support

  1. Confirm attribution. Check the referral history or application confirmation. If there is no linked referral, follow the post-signup recovery rules instead.
  2. Work out the real due date. Note the eligible funding date, required hold or settlement date, and the payment window in the provider table above.
  3. Check the right account. Look for a reward entry in Chequing, Savings or another account specified by the provider—not only the account you initially funded.
  4. Pack your evidence. Write down the program name, referral date, proof of qualifying activity, and payout-account details before you contact support.
  5. Escalate with evidence. If the window passed, provide the program name, referral date, proof of qualifying activity and payout-account details through the provider's secure support channel inside your account or app. Don't send passwords or full account numbers.

Missing Referral Bonus FAQ

Why wasn't I paid when my referral shows as linked?

A linked referral alone may not satisfy the qualifying deposit, purchase, balance hold, account status or payout-account requirements. Check the provider's terms and the date those conditions were completed.

Can support guarantee a bonus I missed?

No. Support can investigate a potentially unpaid qualifying reward, but an incorrectly applied code or missed requirement may make a reward ineligible. For code-attachment issues, use the separate recovery guide.

How long should I wait before contacting support when my bonus is pending?

Wait until the provider payout window in When Should the Bonus Arrive? has ended, counting from completed qualification, not signup. If the window has passed, follow Before Contacting Support.

Does using a different link or an affiliate link change the payout?

It can. Tracked and affiliate signup terms may differ, so check the provider terms in Sources and Verification for the route you used, rather than assuming the standard referral window applies.

Why does EQ show Expired?

The 30-day window to deposit $100 closed before the deposit landed. Check the deposit date against the activation date in the provider table.

What happens if I break the Tangerine hold by 1 day?

Dropping below $250 breaks referral qualification, so the payout window has not started. The terms do not say whether the 60-day hold restarts from zero or the referral is lost outright, so check the date in your account history and ask Tangerine support which applies. See the hold rules in the provider table.

My Wealthsimple funding was internal. Does it count?

No. The $100 minimum must come from an external bank account. Internal transfers between Wealthsimple accounts, peer-to-peer transfers, and Wealthsimple-issued bonuses do not qualify. See the provider table.

What does "not in good standing" mean for Simplii?

The linked signup says the account must remain active and in good standing, but it does not spell out every case. Check that the account is open and active, then ask Simplii support what changed the standing if the payout is missing.

What do I check when the bonus went to the wrong account?

Check every account the provider can pay into, not only the one you funded. Wealthsimple pays Chequing, Tangerine pays an eligible Savings or Chequing account, and EQ pays the EQ account. Look for a reward entry in each one, then follow Before Contacting Support.

Sources & Verification 6 First-Party Sources Checked

How We Compared

  • Payout periods start at the provider-defined qualification milestone; signup date alone is not a reliable starting point.
  • We separated referral attribution, uncompleted requirements and overdue payout instead of assuming that every missing credit is late.
  • Program-specific terms and payout destinations can change; tracked and standard referral routes are not presumed identical.

Checked Nov 8, 2026 for Wealthsimple, EQ Bank, Simplii, and Tangerine.