Canada Tourist Visa: Proof of Funds Explained Simply

One of the most common reasons Canada tourist visas get refused is not lack of money — but poor presentation of financial documents. Let’s break down what IRCC really wants to see and how you can present your finances the smart way.

Why Proof of Funds Matters

Your financial documents prove three things:

• You can pay for your travel, stay, and daily expenses
• Your income source is genuine and stable
• You have strong financial ties to your home country

Best Documents to Show Financial Strength

1. Bank Statements (Last 4 Months)

This is the most important document in your application. Use one primary savings account with clean, consistent transactions.

2. Fixed Deposits & Savings

Fixed deposits make your profile much stronger, especially if they are older than 3 months. They show long-term financial stability.

3. Salary Slips & Employment Letter

Salary slips should match your bank credits. Your employment letter must confirm your designation, income, and approved leave.

4. Income Tax Returns (ITR)

At least two years of ITR builds credibility and supports your declared income.

5. Property or Rental Income

Property documents are excellent home-tie evidence. Rental income credited to your bank is an added advantage.

If Someone Is Sponsoring Your Trip

A sponsor can support your application, but you should still show your own funds. Full dependency often weakens the case.

Final Advice from Experts

A well-structured financial file beats a high balance with poor explanation. Clean documents, logical money flow, and strong home ties are the real winning factors.