Short answer: Use code UHGWMQ at wealthsimple.com/invite/UHGWMQ — or enter it manually in the app after signup. Deposit $100+ from an external bank within 30 days and you get $25 cash.
UHGWMQ

Verified working — July 2026

Where to Find a Wealthsimple Referral Code

Wealthsimple doesn't publish a single public referral code. Instead, each existing client has their own personal code, which they share to earn $25 when someone signs up. If you don't know anyone on Wealthsimple, you can use an independently shared code like UHGWMQ — it works exactly the same way.

Other places people find Wealthsimple referral codes:

Not all codes you find online are still active. UHGWMQ is the verified working code as of July 2026.

Option 1: Enter the Code at Signup (Easiest)

The simplest approach is to use the direct referral link — the code is pre-applied, so you don't have to type anything:

1
Go to the referral link Visit wealthsimple.com/invite/UHGWMQ — code UHGWMQ is automatically applied when you arrive.
2
Create your account Sign up as normal. You'll see a confirmation that the referral code has been applied.
3
Deposit $100+ from your bank Transfer at least $100 from an external bank (not from inside Wealthsimple) within 30 days.
4
Receive $25 within 24 hours Once your deposit settles, $25 is deposited into your Wealthsimple chequing account automatically.

Option 2: Enter the Code After Opening an Account

If you've already signed up but forgot to use a referral code, you can still enter one — but only within 7 days of your first deposit. If you haven't deposited yet, the window stays open indefinitely.

Here's where to enter the code in the app:

1
Open the Wealthsimple app Go to your Home screen.
2
Tap the gift icon It's in the top-right corner of the Home screen. This opens the Rewards Centre.
3
Tap "Invite Friends" Then tap "Enter referral code."
4
Type UHGWMQ and confirm The code will be applied to your account. Now deposit $100+ from an external bank within 30 days to trigger the $25 bonus.
7-day rule: If you've already made your first deposit, you have 7 days from that deposit to retroactively enter a referral code. After 7 days, the window permanently closes and the code cannot be applied.

Where to Find Your Own Referral Code to Share

If you're already a Wealthsimple client and want to share your own code with others, here's where to find it:

  1. Open the Wealthsimple app
  2. Tap the gift icon (top-right of Home screen)
  3. Tap Invite Friends
  4. Your personal 6-character referral code and link are shown here — share either one

Does Wealthsimple Have a Public Promo Code?

No — Wealthsimple does not issue public promo codes the way retail stores do. The only type of code is a personal referral code from an existing user. The code UHGWMQ is one such referral code, shared openly so that anyone can use it. It functions identically to a promo code: enter it, meet the deposit requirement, get $25.

What people search forWhat it actually is
"Wealthsimple promo code"A referral code like UHGWMQ — gives $25 cash
"Wealthsimple coupon code"Same thing — referral code, not a discount code
"Wealthsimple invite code"Same — the 6-character code from an existing user
"Wealthsimple discount code"Same — Wealthsimple doesn't do discounts, but the referral bonus is the equivalent

Frequently Asked Questions

I already have a Wealthsimple account. Can I still use a referral code?
Yes — if you've never made a deposit, or if your first deposit was within the last 7 days. Open the app, tap the gift icon → Invite Friends → Enter referral code → type UHGWMQ. If it's been more than 7 days since your first deposit, the window is closed.
Does it matter which account I open — TFSA, RRSP, or regular?
No — the referral bonus works regardless of which account type you open. However, you must also have a Wealthsimple chequing account open, as that's where the $25 is deposited. Opening one is free and takes about two minutes in the app.
What if the referral code doesn't work?
The most common causes: you've previously funded a Wealthsimple account (the bonus is for new clients only), your first deposit was more than 7 days ago, or you don't have a Wealthsimple chequing account open. See our full troubleshooting guide: Wealthsimple Referral Code Not Working?
How long does it take to get the $25 after entering the code?
The $25 arrives within 24 hours of your first qualifying deposit settling. Bank transfers take 2–5 business days to settle, so the total timeline from transferring to receiving the bonus is typically 3–6 business days.

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