₦airaland Forum

Kossyfelicia:
Good Afternoon Everyone, I want to ask these questions.

1. Can a Refusal Switzerland study visa denied explained in LOE?

2. I have Fidelity Corporate USD MasterCard, can it work for visa payment or Fidelity Naira MasterCard?

Please answer me ☺️.

Thanks

1. Yes — disclose and explain it in your LOE. IRCC asks about refusals from any country, and hiding one risks a misrepresentation ban (5 years) if it surfaces. Keep it to one factual paragraph: country, year, reason, what has improved since. A disclosed refusal rarely kills an application; a hidden one usually does.

2. Use the USD MasterCard — Naira cards often fail on international payments due to CBN limits. Just confirm with Fidelity it's enabled for international online transactions first. If it declines, a virtual USD card (Grey, Raenest) works.

Good luck.

Prettyprecious2:
I was given my study permit at canada port of entry.

Congrats and all the best in your future endeavors.

AbelAbdul:
Is the bolded a grantee that it would be approved?

He now has 2 refusals on their file, so he has a problem and should get expert help. Most people here don't know how to use AI properly to navigate this sort of thing unfortunately. Else an agent is absolutely not necessary. After the 1st refusal, he didnt address the root cause.

Foxfire12345:
Good day everyone
Please I need your advice
So I have a visitors visa from last year and then this year I applied for a study permit. Now I’m currently visiting (I’m in Canada) and then I received a message from ircc for passport request. Because I had a visa, I didn’t fill out the visa form. What can I do ? I was thinking of raising a web form that hey I already have a visa (I supposed they ought to know). bottom line is I don’t want to send my passport to them while I’m in Canada.

Congrats — a passport request means your study permit is approved! Since you applied from outside Canada, IRCC expects your passport at the visa office serving Nigeria, which you can't do from inside Canada (and IRCC offices in Canada don't stamp counterfoils).

Two options:

Raise a webform first — tell them you're currently in Canada on your valid TRV and ask how to proceed. Since you already hold a valid visa, they may finalize the approval without needing a new counterfoil.

If they insist on the passport, you'd need to briefly exit Canada and complete the passport submission abroad, then the permit is issued when you return.

Do respond via webform before the PPR deadline (usually 30 days) so the approval doesn't lapse. Don't ignore it — an approved permit is a good problem to have!

amnotapervert:
A few months ago, I brought awareness to the fact that people should handle their visa applications themselves. But if they absolutely must pay someone to help, they should make sure that person is a licensed immigration consultant (RCIC).

I am not talking about admission here, before someone comes with their usual talking points.

A lot of agents came for me because I was supposedly spoiling their business. I won’t mention names, but they called me all sorts of names and accused me of everything bad under the sun, without providing any evidence...Till today.

The reality is that the average Nigerian cannot afford the services of an RCIC. Not because we do not have the money we always believe we can get the services cheaper somewhere else


That is exactly why I encourage people to learn the process and do their visa applications themselves where possible, rather than paying someone simply because they call themselves an “agent ” except you can verify they are registed with RCIC

If you decide to pay for professional immigration advice, verify that the person is a licensed RCIC and check their credentials before handing over your money... https://register.college-ic.ca/Public-Register-EN/RCIC_Search.aspx

Cc ehiremen2002

I used Claude AI (on Fable mode) to prepare my application. Expensive as I pay USD $100 subscription every month but absolutely worth it because of the nature of my job plus personal development goals. Then I engaged the services of a verified Canadian based RCIC to review everything and he was strongly complimenting me on how I did everything. Truth be told, in this day and age, there are options if someone can't afford a RCIC agent. As long as the person is not using AI to fake documents because they will be caught. IRCC is no longer playing and the sentiment in Canada is gradually shifting against large scale immigration especially from international student because of the perceived low quality international students coming in (The Indians have created this poor perception unfortunately).

ehiremen2002:
My aunty friend just got a second rejection. Herself and 4 kids. Even with existing vistor visa


Reasons for the refusal of your application
To help you understand why your application was refused, below are the Officer Decision Notes (ODN) specific to your application as they are displayed in IRCC’s system.
These notes were entered by the officer who assessed and made the final decision on your application.
I have reviewed the application. The applicant's assets and financial situation are insufficient to support the stated purpose of travel for the applicant (and any accompanying family member(s), if applicable). The applicant is to be accompanied by their 4 children. They are to be accompanied by their spouse, who has provided both personal and corporate bank statements. There is limited supporting documentation providing evidence of company viability, including reported revenue, earned profits or loss. Corporate bank statement displays routinely low funds and their personal statement is significant. Their tax clearance certificate shows that their highest total income is from the year 2025, where they earned the equivalent of $1,666 CAD. They have included a notice of assessment for 2026, but I note that this year is incomplete and the income shown does not commensurate to the sponsor's savings. I am not satisfied that the file includes sufficient documentation that establishes the source of their savings or demonstrates that the funds are unencumbered and available for the stated purpose. Other sponsoring parent in Canada has provided their bank statement also showing low funds. Based on the financial documents submitted, I am not satisfied that the applicant has sufficient funds to pay for living expenses for the proposed studies. Weighing the factors in this application, I am not satisfied that the applicant will depart Canada at the end of the period authorized for their stay. For the reasons above, I have refused this application.
Requesting ODNs in your official language of choice: In some cases, Officer Decision Notes may not be available in your official language of choice (English or French). To receive the notes in your preferred official language of choice, please send your request to
translate.ODN-traduire.NDO@cic.gc.ca
and include the following
information in your email:
Subject line: “ODN translation request

Very very strange people. Even with reconderation that was sent in yesterday today they reply and didnt want to change decision.

Reconsideration request/ Demande de réexamen – application/demande S308005626
Inbox

IOB RROC TRU No-Reply / DGOI CORR URT pas de réponse (IRCC) <IRCC.IOBRROCTRUNo-Reply-DGOICORRURTpasdereponse.IRCC@cic.gc.ca>
8:55 AM (10 hours ago)
to me

This refers to your recent communication received at our office requesting reconsideration for your Application for Temporary Residence in Canada.



Your application was considered against the requirements of the Immigration and Refugee Protection Act and Regulations and was refused. A letter explaining the reasons for the refusal was sent to you on 2026/08/17. Your request for reconsideration has been reviewed and there are insufficient reasons for re-opening your application.



Should you have different or additional information, you may wish to submit a new application. You should understand, however, that a new application would require submission of new processing fees and that any such application would be assessed according to the criteria in effect at that time. As a result, no assurance of success can be offered.



Thank you for the interest you have shown in Canada.



Regards,



Immigration, Refugees and Citizenship Canada - Government of Canada

Immigration, Réfugiés et Citoyenneté et Immigration Canada - Gouvernement du Canada

www.cic.gc.ca

we submitted the reconsideration from the MP office. I havent reply her to let her know the reconsideration wasnt approve

(Sudds, Jenna - MP)
3:31 PM (4 hours ago)
to me

Hi Bleep,



We had a successful tech caucus tour. Very busy days, but engaging and valuable.



I was able to get the below updates for a couple of the cases:



XXXXXX

I submitted the reconsideration request o behalf of the applicant
I included the supporting documents include the letter and flight details


UXXXXX

Processing deadline was yesterday, so I have been asked that if there is no update by the time I have my next call, I should submit a request for urgent processing due to delays


AXXXX

Name, date of birth and/or UCI did not match so I was unable to get an update


If you have any further cases, or other reconsideration requests to submit, please let me know.



Thank you,

So sorry to hear this — refusals with young families are especially painful. A few honest observations from experience with the IRCC process:

Reconsiderations rarely succeed. IRCC almost never reopens a refused application unless there was a clear legal or procedural error. Even MP offices can only prompt a review — they can't overturn an officer's judgment. So today's outcome, while disappointing, is unfortunately the norm.

The ODN is actually the roadmap. The officer spelt out exactly what failed: unexplained large personal savings vs. very low declared income (~$1,666 CAD), weak evidence of company viability, and low sponsor funds in Canada. Having the funds in your account is not enough, you need to back it up with detailed forensic source of funds evidence. A new application only stands a chance if it directly cures each of these — a documented source-of-funds trail for every major deposit (sale agreements, gift deeds, business income records), audited/management accounts showing the business is real and profitable, consistent tax filings that match the savings, and stronger sponsor finances.

Skip another reconsideration; build a fresh, properly documented application. Money spent re-arguing the old file is better spent on getting the evidence right — ideally with a licensed RCIC or immigration lawyer reviewing the source-of-funds story before submission, since a third refusal on the same gaps becomes very hard to recover from.

Wishing her and the kids success next time.

@justwise please give a timeout to these thread fighters and thread derailers. They want to mess up this beautiful thread. I don't know why lots of Nigerians on social media like arguing over irrelevant things that add no value to their lives.

abimonile97:
I gave someone my number here when i private chat him when my First and Second application was refused o. LOL.

Unrelated and hope you dont mind me asking but why were your 1st and 2nd application refused and what did you do differently on the 3rd and final application?

Kaczynski:
Just do the term and cross over to the promised land .

Don't understand. Kindly elaborate. No need being vague baba. We dey here to learn.

Kaczynski:
Jeeez look at those indians. I'm happy i left alberta on time.

I'm beginning to regret choosing SAIT. And I have already paid 2 year tuition fees in full. It is well, God has always walked by my side.

palaurry:
Gents please, my study permit application came back negative because of school fee balance, school resumes august 27th, if i meet up with the fee by 20th, can I reapply?

Consult a Canadian agent or defer till January or Sept 2027. The Canadians are not playing anymore. Unfortunately the current Indian students protest is going to change things.

From the officer's notes, it seems you only paid tuition deposit. Your account balance does not show enough funds to cover full tuition fees and even living expenses. Correct? If so, you need to go back to the drawing board.

[quote author=temitopemary14 post=140288824][/quote]Congrats on the three admissions . A few honest points to weigh before you finalize UCW:

1. All three schools are PGWP-eligible and a 16+ month master's keeps your husband's SOWP intact, so on the immigration side you're safe with any of them. You've done that homework correctly.

2. But please note the difference in the type of school. Trent is a public research university. UCW and UNF are private, for-profit institutions. Canadian employers know this distinction, and for Data Analytics roles (already a competitive market there), the name on the certificate can affect how quickly you land your first role. That first job also drives your CEC/Express Entry work experience timeline.

3. Run the real math, not just tuition. Trent is in Peterborough (lower rent than Vancouver, where UCW is based). Vancouver rent for a couple can easily swallow the $10k+ per year you think you're saving on fees. When you add cost of living, the gap between Trent and UCW may be much smaller than it looks on paper.

4. If Trent's fees are truly out of reach even after that math, UCW is still a workable path — people have used it and moved on to PR. Just go in with clear eyes: your job search effort will need to be stronger, so start building your portfolio (SQL, Power BI, Python projects) before you even land.

My honest take: if you can stretch to Trent without endangering your proof of funds or settlement money, stretch. If you cannot, take UCW and outwork the certificate. Wishing you and your husband a smooth process.

Enyinne:
Thank you for contribution .

Please I suggest you view the video below. My advise to you would be to send your child to a solid private university in Nigeria for his undergrad and then to Canada for his postgraduate when he is more matured. Hard drugs are too easily available in Canada.


https://www.youtube.com/watch?v=2xtU-89pA8c

Enyinne:
I'mplanning for my teenage son . Is it my own account on my name or his name is to be used for showing this POF . Which bank in Nigeria can Canadian dollar be saved so we can show the proof of funds. Planning is everything

If your son is young going for an undergrad course, then you can sponsor him as a parent as long as you include proof that you are his biological parent, parental letter of support for the Canadian studies and include your bank statements showing proof of funds and a detailed evidence letter for source of fund. The Canadians dont expect a young person going for an undergrad course, fresh out of high school/secondary school to have earned such an amount for self-sponsorship. Alternatively, you can put a Nigerian account in his name and get a notarized gift deed from you the parent to be attached to his student visa application including proof like birth certificate showing you are his parent and a parental letter of support for the Canadian studies. However, the logical way is for you to sponsor as his parent.

kayceeskay:
Alright, Noted.

Just noticed the context you used it in and thought to correct you.
Native Canadian is a term solely used for the Indigenous people.
Some people can see it as offensive to call a non indigenous person “native”, and even more offensive/racist to call a native person “white”

Just something to keep in mind

Yeah I get you. Important to engage them correctly when I enter Canada. Thanks for the heads up!

kayceeskay:
Unrelated, but white people are not “Native Canadians”

Native Candians are the ones who were in Canada before white people came, which is only 5% of Canada today.

I know the difference between the First Nation Canadian Indians who have been on that land for thousands of years and the Europeans who have been there for hundreds of years. I refer to them both as native for the purpose of that comment. Different from the more recent first generation immigrants within the past 20 years.

legendbarak:
Hello everyone, please I made my tuition fee deposit through flywire and I paid the stated amount, but when it dropped on the Seneca Home profile, the fee reduced due to charges or inflation.
What do I do? Do I pay the remaining balance or I email flywire or Seneca?

Ask flywire support to explain the variance between what you paid and what dropped on Seneca, before you know whether to pay an additional to cover the outstanding plus any potential fee. Seneca will most likely refer you back to flywire.

AbelAbdul:
Large documents how?

i had some large docs related to my finances. 3 Nigerian bank statements and 2 USD. 6 months each

Predator188:
if funds are genuinely available to the applicant without working in Canada but officers has been using this as grounds for refusal if they are not satisfied,so what exactly has changed! They required four months bank statements in the past but now 6 months,am sure majority who got visa approved here used more than four months statements, I actually used upto 8 months Bank statements for visa approved,so what exactly has changed!
Check the students that protested in July and check the country,you'll understand why IRCC is changing rules!!their protest was favouring them in the past like work permit extensions after pgwp expires but they are still protesting at the time when IRCC is cutting temporary residents and now it is backfiring.

Am sure there will be a time when IRCC will cut down pgwp duration that time is still coming!

Baba no vex. I no dey work for IRCC. But the current Indian students protest has changed something. Maybe subtle, maybe serious. Only time will tell if it has a noticeable impact on Nigerian applicants

Unfortunately the Indians may mess up everything for everyone. Go to places like Reddit and the native Canadians are complaining

Predator188:
I don’t see any changes from what they are doing before in case of pof,the only difference is they added pof on in-Canada study permit extension, who has not explained source of funds or lump sum and got visa approved in the past? Am sure nobody..
The rule could target unauthorized work any student working more than required hours to pay school fees, if you use employment documents on an extension they will caught you,they may request additional documents.

On July 24, 2026, IRCC updated its officer guidance under R220 without changing any dollar figures; instead it sharpened two things officers must be satisfied about: that your funds are genuinely available to you without working in Canada, and where those funds actually came from. Officers are now directed to scrutinize the amounts and sources of applicants' funding, with the source of funds assessed "in all cases" — replacing the earlier framework that limited detailed financial verification to applications from designated high-risk environments, and reportedly extending the bank-statement window from four to six months. The thresholds themselves are unchanged: $22,895 for a single applicant outside Quebec, plus first-year tuition and travel.

foreveryoung1515:
Any response yet? Cuz I’m presently in your shoes

Use claude.ai on Fable mode. It is like chatting with a very intelligent and knowledgeable human being. Good luck to you.

voortrekker966:
Nigerians can do a lot of things. What we lack is packaging and maintenance. Don't be surprised that the bread and mayonnaise these students will make will be way better and nutritious than foreign ones but you'll need to see the environment it is manufactured from and the packaging. You'll just puke.

Definitely more nutritious than all the processed junk flooding our supermarkets making a lot of young people nowadays to be having kidney failure. Especially since it is Jos. The kind of fruits and farm produce you see there and in the Middle-Belt, some of it does not make its way to the South because it will spoil and Nigeria has terrible food logistics pathways in place.

AbelAbdul:
Everything I submitted in my application came with LOE. I did not give them room to guess anything. That was why my files were larger than the required 4MB. I kept compressing files.

Imagine every document had LOE attached. LOL
I even drew diagrams on documents. No room for guess work. Since I was not there to explain anything to them, every document had LOE attached. Some I drew diagrams on them. All thanks to ChatGPT

Exactly. All large docs should come with an introduction letter so the visa officer knows what he/she is looking at and determine how it fits in during the eligibility review.

AbelAbdul:
They said going forward they are most likely to request for additional financial documents. Anyone who earns legitimately has no fear.

Every large deposit, every earning, every money trail is well documented and explained. Including all my personal bank statements, payslips, employee stock sales, bonuses, etc. Plus no one but me has access or signatory rights to all my accounts (USD and Naira). My Cover Letter is well indexed so the visa officer can easily understand what I am presenting and exhibits I am referencing. But it is God that has done it in the end, not by my efforts.

AbelAbdul:
I thought Sep. I was worried about the timeframe. Wish u best of luck.

Thank you.

AbelAbdul:
Mine self-sponsored too.

Nice. I also believe a big emphasis from IRCC going forward is on POF and the source of fund passing validity in being genuine and readily available to the primary applicant's use. They don't want people who will enter Canada and be a nuisance with the current state of the economy. Plus the ongoing Indian students protest has really left a bad taste in their mouth and the Canadian people are upset at their level of entitlement.

lanresz:
Your profile looks good. Hopefully you get your visa very soon. You don't have to worry so much about it. It's easier said than done though.

I believe I have gotten it. My mind is at rest. If I tell you what God has done for me since 2024, especially this year. You will be 100% amazed. I have told Him what I want and left everything to Him.

AbelAbdul:
I wish you luck. Is your program starting Sep?

Thank you. No I am going for Winter 2027.

AbelAbdul:
If you are earning legitimately, show them. From my application, I'm meant to believe that IRCC does not give a fvck whether ur account statement if from a commercial bank or a freelancing pay sites.

Just show these 3 things.

1. You have the money
2. The money was earned legally and the source where it was earned from is a legitimate source
3. You can access the money at any time.

Yes. All 3 checks out for me. I paid my 2 years tuition upfront. Over $40k CAD and I still have a substantial USD savings plus my Naira savings to more than cover travel and Canadian living expenses including rent. Single, no kids and self-sponsored.

AbelAbdul:
Have you been approved yet?

I just did Biometrics a few days ago, 2 days after submission. So I am looking at a month or two wait time. Hopefully less. Did upfront medical before submitting.

AbelAbdul:
When I get to Toronto this month I am going to create a thread here documenting (with proof) everything I did (step-by-step). I am not saying what I did was the best way but that was my own way of going about my application process. So stay tune.
When I applied I had fear that it was going to be denied due to no strong home ties. I didn't worry about POF because I have above the required amount.

I saw someone here said IRCC only accept bank statements from commercial banks and not freelancing platforms I just laughed.

I started my application in April but submitted it in May. I couldn't submit it that April because Me and ChatGPT were going back and forth on my SOP. The course I am going for is not related to what I read in school and not close related to what I am currently doing. Each day me and ChatGPT keep finetuning the SOP to make it make sense.

As for home ties, since I do not have any close relations, no landed property, I discussed my situation with ChatGPT and it guided me on how to write on home ties.
I will document everything make I just land first because it is not yet over until I scale through the border officers at the airport.

PS: No one should private chat me I will not answer,.
PPS: Anyone chatting you and claiming I am the one, expose the person. I will not private chat anyone here.


Just do the right thing and you will get your permit approved. Say NO to Agents whether licensed or unlicensed agents. Remember, using an agent is not a guarantee that your permit would be approved instead, using an agent could get you not just refusal but a ban because some of these agents might intentionally or intentionally modify your documents which could result in a ban.

Till tomorrow, Cubana Chief Priest with all is money, cannot enter US not because he committed a crime but because of the mess an agent did on his application.

I believe this was me asking some months ago. My USD savings are on one of those fintechs (Raenest, Cleva, Grey, etc) popularly used by remote workers in Nigeria to receive their salary.