Canada Referral Codes

Referral Bonus Stacker

Tick the accounts you will actually open. The Stacker adds up real bonuses, shows the one condition on each, and leaves everything inflated out of the total.

$395Full Stack, All 12 Offers
$125Default Stack, Ticked Below
12 of 32Offers Counted
19Excluded, With Reasons

The Counting Rule

What Counts

One fixed cash number, in CAD, for a new customer, at the base amount. No up to figures, no points, credits, or discounts.

4 offers counted as disclosed exceptions, marked below.

Methodology Reviewed

Build Your Stack

If the calculator is unavailable, use the worked example below. The default stack is Wealthsimple, Questrade, and Simplii at $125.

Use Referral Link View Offer Details

Your Selected Offers

One actionable card per ticked offer, in the order you ticked them. Each card carries the amount, the full condition, the checked date, and the action.

Selected Total $125 Start With Wealthsimple: Use Referral Link
$50

Chequing/HISA: deposit $100+ within 6 months and maintain $100+ for at least 30 days; Visa: spend $100+ within 6 months

Checked

Use Referral Link View Offer Details

Excluded From the Total, and Why

These 19 offers are real, and some are worth taking. They are never summed, because none of them is a fixed CAD, new customer, base amount. Listing them here, with the reason, is what keeps the $395 honest.

Show 19 Excluded Offers Hide 19 Excluded Offers
BetMGM $100 Casino bonus, not a fixed CAD referral payment.
Borrowell $5 to Referrer $5 to the referrer, no fixed amount for the new customer.
Caesars $25 Bonus Bets Bonus Bets, not a fixed CAD referral payment.
Coinbase $30 in Bitcoin Paid as $30 in Bitcoin, not fixed CAD.
Costco Up to $50 Each Up to $50 each, a public offer, not a fixed referral base.
Crypto.com Up to US$50 in CRO Up to US$50 in CRO, not fixed CAD.
Finder Up to $175 Up to $175, not a fixed base amount.
FinlyWealth Cash rebates vary, no fixed base amount.
Great Canadian Rebates No fixed referral bonus, cash back varies by purchase.
Interactive Brokers No fixed CAD amount for the new customer.
KOHO 3 Free Months 3 free months, no fixed cash value.
Microsoft Rewards Up to 1,320 Points Up to 1,320 points, not cash.
Muse 1 Billion Tokens Paid in tokens, not cash.
PayPal $10 CAD Voucher Voucher, not withdrawable cash.
PC Financial 25K to Referrer 25,000 points to the referrer, no fixed amount for the new customer.
Ratehub.ca Up to $50 Cash Up to $50 cash, not a fixed base amount.
Uber 40% Off 2 Rides 40% off 2 rides, a discount, not cash.
UNIQLO Canada $10 Off $10 off, a retail discount, not cash.
Willful 20% Off 20% off, a discount, not cash.

Worked Example: The Default $125 Stack

$25
$50
$50
Default Stack Total
$125

Tick Tangerine and the total becomes $175. Tick all 12 and it becomes $395.

What the Stacker Does Not Include

Offer Eligibility or Account Type Restrictions

Taxes or Tax Treatment

Market Gains or Losses

Foreign Exchange Changes

Points Values or Spending Requirements

Credit Card Points or Cash Back

Clawback Probability or Provider Specific Exceptions

Transfer Matches, Welcome Bonuses Beyond the Referral Base, or Referrer Only Rewards

Provider terms control the real promotion. A headline bonus can have eligibility windows, excluded transfers, account type restrictions, payout delays, or withdrawal rules that are not captured by ticking a box. Review the current provider terms and the sourced deal page before opening an account solely for a promotion.

Your Stack, Ready When You Are

$125

3 offers selected. Start with the first one, then work down your list.

Start With Wealthsimple: Use Referral Link

How We Count

  • Every offer carries its own Checked Date
  • No up to figures, beyond the four disclosed exceptions
  • 19 excluded offers, each listed with its reason
  • Every offer links to its sourced deal page
$395Full Stack Value
12Countable Offers
19Excluded, With Reasons
Nov 2026Last Checked
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