Wealthsimple Referral Code 9C6DMQ — Get $25 Cash in 2026

The referral code 9C6DMQ has worked consistently since 2022. Deposit $1, get $25 in cash, usually within the same day.

This page is the single maintained source for the current Wealthsimple referral code. Below you’ll find how to use it, what the sign-up bonus actually includes, and answers to every common question — including whether coupon codes exist (they don’t).

How to Use the Wealthsimple Referral Code

Using a referral code takes about 5 minutes. Here’s the process:

1. Sign up at Wealthsimple using this referral link — the code 9C6DMQ is applied automatically
2. Complete identity verification — photo of your ID and a selfie (takes under 5 minutes)
3. Deposit $1 or more into any account (TFSA, RRSP, self-directed trading, or chequing)
4. Receive $25 cash — typically within 24 hours, deposited into your Wealthsimple account

That’s it. No minimum balance to maintain after the initial deposit, and the $25 bonus is real cash you can withdraw (after the 180-day hold period).¹

If you clicked the referral link but aren’t sure it applied, open the Wealthsimple app, go to the Referrals section, and look for a banner saying “You were referred by someone.” If it’s not there, you can manually enter 9C6DMQ before funding your account.

What Is the Wealthsimple Sign-Up Bonus?

The Wealthsimple sign-up bonus is a $25 cash reward for new users who open an account with a referral code and deposit at least $1. It’s one of the most accessible sign-up bonuses in Canadian fintech — most competing offers require $100+ deposits or have restrictive conditions.

Here’s how it compares to other new-user offers:

The referral bonus and transfer promotions stack. If you’re planning to move a large portfolio, sign up with the referral code first to lock in the $25, then enroll in the (Un)Real Deal transfer promotion before initiating your transfer.²

Is There a Wealthsimple Coupon Code or Discount Code?

No. Wealthsimple does not offer coupon codes, discount codes, or percentage-off promotions. If you searched for “Wealthsimple coupon code” or “Wealthsimple discount code,” here’s what you need to know:

Wealthsimple is a financial platform, not a retail store. There’s nothing to apply a “20% off” or “55% off” code to. Sites listing these codes are fabricating offers that don’t exist — and they dominate the search results for these queries.

Here’s what those coupon aggregator sites advertise vs. what actually exists:

What actually works: Referral code 9C6DMQ for a $25 cash bonus (deposit $1), or transfer promotions for larger portfolios ($25K+ for a percentage match). These are the only two types of Wealthsimple bonuses available.

If you’re a student or someone with a smaller budget, the referral code is specifically designed for you — $1 gets you $25 in free cash.

Can You Trust Wealthsimple Referral Codes from Reddit?

Reddit threads are one of the first places people look for referral codes, but they come with a few risks:

• Expired codes — users delete accounts or codes get deactivated
• No verification — anyone can post a code with no proof it works
• Spam threads — referral code megathreads get flooded with hundreds of codes, most untested
• No accountability — if a code doesn’t work, the poster is long gone

The referral code on this page — 9C6DMQ — is verified and actively maintained. This page is updated monthly to confirm the code is working. If Wealthsimple ever changes the bonus structure or deactivates the code, this page will reflect that immediately.

That said, all legitimate Wealthsimple referral codes give the same $25 bonus. The difference is whether the code is current and functional, not who shared it.

Can You Still Add a Referral Code After Signing Up?

Yes, but there are time limits. Here’s the quick version:

If you’re in the 7-day window, don’t wait — the system enforces this deadline automatically and customer support typically cannot override it.

For step-by-step instructions on adding a code retroactively, including screenshots of where to find the option in the app, see the full guide on adding a referral code after signup.

Referral Code vs Promo Code: Which Should You Use?

These terms get confused constantly. Here’s the distinction:

For 95% of people signing up, the referral code is the right choice. Promo codes (like past iPhone promotions) target investors transferring six-figure portfolios.

For a detailed breakdown of when each option makes sense, see the full promo code vs referral code comparison.

The Wealthsimple Referral Ladder: Earn Up to $5,000

The referral program doesn’t stop at $25. If you’re referring friends with larger portfolios, the Referral Ladder scales your bonus based on their net deposit amount:

The person signing up always gets the flat $25 bonus. The ladder tiers apply to the referrer — the person who shared the code.

Many users earn the $100 and $200 tiers by referring family members who move their RRSPs from traditional banks. The biggest transfers tend to happen during RRSP season (January-March) when people are consolidating accounts.

For the full breakdown of how the ladder works, including net funding calculations and the 180-day hold period, see the complete Referral Ladder guide.

Wealthsimple Referral Bonus Rules You Should Know

Before claiming your bonus, here are the key rules:¹

• New clients only — you’ve never had a Wealthsimple self-directed, managed investing, crypto, or chequing account
• $1 minimum deposit — must be made within 30 days of account opening
• 180-day hold — if you withdraw within 180 days, the bonus may be clawed back
• Bonus destination — the $25 is deposited into your Wealthsimple account (typically chequing)
• Canadian residents only — must be 18+ (19+ in some provinces) and pass identity verification

The most common mistake is withdrawing too early. The 180-day hold is strict — if you pull funds out before 6 months, Wealthsimple deducts the bonus amount from your withdrawal.

For the complete breakdown of eligibility, clawback scenarios, and edge cases (spousal accounts, corporate accounts, Wealthsimple Tax users), see the full referral bonus terms guide.

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