₦airaland Forum

Amycanada:
Good evening house, please I’d like to confirm if this will work:

I’ll be given a fixed deposit certificate showing that i have been running a fixed deposit (stanbic ibtc mutual investment fund), and that I am now liquidating it. Afterwards, the funds will be transferred to my personal account (Access bank) about one week before I submit my Study Permit application.

Whatelse do I need to do to solidify the process...Or what can I do at this point...I'm applying for study permit for Winter 2026.

Secondly, if after one year program in Canada and I decide to do another program, will I still show POF for the new program?

Please, someone should answer me🙏🙏

destinychildolu:
Make sure you have paid your full first year tuition and also make sure you have around 5k cad to spend on rent and bills for 4-6 months

Amycanada:
Good evening house, please I’d like to confirm if this will work:

I’ll be given a fixed deposit certificate showing that i have been running a fixed deposit (stanbic ibtc mutual investment fund), and that I am now liquidating it. Afterwards, the funds will be transferred to my personal account (Access bank) about one week before I submit my Study Permit application.

Whatelse do I need to do to solidify the process...Or what can I do at this point...I'm applying for study permit for Winter 2026.

Secondly, if after one year program in Canada and I decide to do another program, will I still show POF for the new program?

Please, someone should answer me🙏🙏

Pandatown:
PPR RECEIVED! Thanks to everyone on these threads for the guidance. This is my second application. First one was refused cause I used a microfinance Bank.

Timeline:

Submission Date: 1st August 2025

Did Upfront medicals and already had biometric validity letter from first application

Received PPR: 17th September 2025

Documents submitted:
+ LOA for 2 year diploma course
+ My personal GTBank savings account with 45million naira total
+ Sponsor is my elder sister so I uploaded our birth certificates & her passport ID
+ Her payslips for 3 Months
+ Notarised Gift deed for the lump sum of 45M sent to my account for tuition and upkeep
+ Notarized financial support letter
+ Her tax documents
+ Her Employment letter
+ Letter of Explanation stating that I switched to commercial bank, the exchange rates at the time of deposit, the total amount and the source of funds. Also I stated the lump sum deposits are gift
+Statement of Purpose which was written by BorderPass which I used to submit my application as they were recommended by my school
+ MyBankStatement Ticket for the GTBank savings I used
+ Tuition deposit paid receipt
+ Notarized Affidavit of Return stating my Dad's land assets which i would inherit when I compete my diploma
+ Copies of the land Assets & My Dad's ID

Goodluck to everyone waiting for their decision. Best wishes on receiving positive outcomes!

Essential01:
PLEASE HELP ME

I HAVE MY STUDY PERMIT AND IM IN CANADA. HOW CAN I APPLY FOR MY WIFE AND CHILDREN? WIFE CANNOT WORK, I HAVE A CHILD 1 YEAR AND 5 YEARS

sternakin:
Invite them to visit you if your wife is not eligible to apply for work permit as your spouse

mcsugk:
Please after my medical, how long will it take for my visa to be approved..
They ask me to come for medical test..
Also is it advisable to still leave my POF to keep running until after getting my visa?

mcsugk:
Please after my medical, how long will it take for my visa to be approved..
They ask me to come for medical test..
Also is it advisable to still leave my POF to keep running until after getting my visa?

mcsugk:
Please after my medical, how long will it take for my visa to be approved..
They ask me to come for medical test..
Also is it advisable to still leave my POF to keep running until after getting my visa?

AyoTeeeee:
So sorry about this. Unfortunately I got the same response few days ago, after attaching relevant documents, leave of absence at my work place, paying my first year school fees and having about 35,000usd + 10m in my bank accounts which is enough for my living allowance and payment of my 2nd year fees.
I was refused on the basis of not providing enough evidence on the lump sum in my account. It’s so frustrating sha

lara4success:
Thanks to JMG12 and others for your responses. I don’t know how to reply to each message hence this method.

I addressed everything mentioned by JMG12
unfortunately, I don’t have the officer’s note to understand the real reasons for refusal . The note didn’t come with the letter. What came with it was for me to send a mail for my preferred language to receive the note . I wonder why that when everything I submitted was in English

For further clarification: I added the following in my application that was refused

- my manager’s letter of continuity and work ID
- My husband’s work ID and letter of support taking care of the kids in my absence
- my company’s profile , showing the storefronts of all my outlets , addresses and website
- I am pursuing the program as a business person because I already have a Doctorate Degree.
- I am sponsoring myself because I believe I have the capacity so I didn’t use ny husband as the sponsor, maybe I should have used him as a co- sponsor

Pls how do I get the officers notes because it’s important in case I want to request a reconsideration

Help this helpless Lady oooo
-

Kamsy2220:
When did you apply?

abimonile97:
Hello house, please i need your advice.

My long awaited second study visa application was refused after waiting for 50 days. Application submitted date 16 July, Refusal date 5th September.

while waiting, i already deferred my admission to Jan 2026 intake New LOA submitted through web form.

1st Application~ Was refused because there was a mistake in my my bank statement Ticket.

Second Application~ The issues on the first application was addressed, but yet was refused for another reasons.

Reasons for Second application Refusal~• 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). Previous refusal noted. Partial tuition payment noted. Proof of funds
on file provided. Financial information is not supported with sufficient evidence for the bank
statement balances on file. Limited evidence pertaining to the source on stated funds. Bank
statement shows lump sum deposits and there is insufficient evidence showing how these
savings were accumulated. In the absence of satisfactory documentation showing the source of
these funds, I am not satisfied that the applicant has sufficient and available financial resources to
pay the tuition fees for the program of studies that they intend to pursue and to pay for living
expenses while in Canada. 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.

My Mom is my sponsor, she has a Registered Business

Documents submitted~ CAC business Registration, Tax clearance certificate and an affidavit of sponsor/support.

For the lump Sum, she sold some of her property valued 20m and just affidavit for transfer of ownership was submitted.

FOR CONTEXT, I plan to reapply this September when i get receive my PAL for 2026.

Please what can i do differently this time to make the application stronger? Any advice from the house please Help.

Thank You.

Amycanada:
Good evening house, please I’d like to confirm if this will work:

I’ll be given a fixed deposit certificate showing that i have been running a fixed deposit (stanbic ibtc mutual investment fund), and that I am now liquidating it. Afterwards, the funds will be transferred to my personal account (Access bank) about one week before I submit my Study Permit application.

Whatelse do I need to do to solidify the process...Or what can I do at this point...I'm applying for study permit for Winter 2026.

Secondly, if after one year program in Canada and I decide to do another program, will I still show POF for the new program?

Please, someone should answer me🙏🙏

mcsugk:
Hope someone won’t fail medical test because of eye defect in one part of the eye's

MsLavender:
Good evening everyone, my study permit for fall was approved yesterday but I want to defer my admission to winter since I can no longer resume for fall. should I submit my passport immediately or wait? And when I get my new LOA, what am I supposed to do? Thank you.

amnotapervert:
Hhahahah No I do not think so

but how bad was it that you are worried ?

MsLavender:
Good evening everyone, my study permit for fall was approved yesterday but I want to defer my admission to winter since I can no longer resume for fall. should I submit my passport immediately or wait? And when I get my new LOA, what am I supposed to do? Thank you.

Ochw:
Good evening all.
Initially, I was admitted to a 2-year program starting September 2025 but deferred to January 2026 due to unforeseen circumstances. Now my program is only available in September, so I took a one-year PG certificate with no co-op and 1 year pgwp. My concern is whether I can find a job within dat year, especially since I hear it's hard to get work in Ontario. For those who experienced this, what advice do you have? How did you find a job quickly after graduation? One year fees was before I deferred.

Profgordons:
Avoid a one year program like a plague, it passes faster than you can imagine.

amnotapervert:
Good morning,

Please I want to clarify, should funds in saving accounts be moved into mutual funds accounts or mutual funds liquidated to savings account?

Or it doesn’t matter?
In stating it in the SOP, should funds be stated individually (mutual funds and savings)
Or together in one account?

Good evening 👋

Let me break this down for you clearly:

1. Using Fixed Deposit as Proof of Funds (POF)

Yes, a fixed deposit / mutual investment fund certificate can work, but IRCC is very particular about liquidity. A few things to ensure:

Evidence of history – show that the fixed deposit account has been active for some time (not just recently created for visa purposes). Provide the certificate + account statement covering the period.

Liquidation proof – if you’re liquidating, get an official letter/statement from Stanbic IBTC confirming liquidation and transfer of funds into your personal (Access Bank) account.

Bank statement (main account) – make sure your Access Bank account shows the inflow from Stanbic and that the balance reflects the required POF. Include 6 months’ statement to prove financial consistency.

Letter of explanation (LOE) – attach a simple explanation in your study permit application: explain that you had the funds invested in a fixed deposit for safekeeping and have now liquidated them to make funds available for your studies.

At this point, the key is to make your Access Bank account look strong and reliable*at the time of application. Immigration officers want to see you have funds readily available, not locked away.

2. Strengthening Your POF

To solidify:

Get official bank reference letters from both Stanbic IBTC and Access Bank confirming account ownership, balances, and dates.
Ensure no sudden suspicious large deposits shortly before application (except the liquidation inflow, which you’ll explain).
if possible, add sponsor’s affidavit (if applicable) or show multiple sources (e.g., partial family support, scholarship, etc.) to diversify.

3. If You Do Another Program After 1 Year ( FYI do not tell IRCC you want to do another program after 1 year for now)

Yes — if you enroll in another program after your first year, you’ll need to show proof of funds again when applying for a new study permit or extension (unless you already qualify for PGWP and plan to work instead).

Example: If you finish a 1-year program and apply for another program, IRCC expects to see POF for that new program (tuition + 1-year living expenses).
If you transition directly to PGWP, you don’t need POF anymore.

amnotapervert:
medical exams are for everyone (you and all dependants), but biometrics are only for applicants 14–79 years old


IMO when applying for visa with Dependant Just make sure you have the POF and Income to move to Canada with your dependants

amnotapervert:
medical exams are for everyone (you and all dependants), but biometrics are only for applicants 14–79 years old


IMO when applying for visa with Dependant Just make sure you have the POF and Income to move to Canada with your dependants

mcsugk:
Hahahahhaha
It’s not that bad.
Do you know approximately how long it takes to get approval after the medical test?

mcsugk:
Hahahahhaha
It’s not that bad.
Do you know approximately how long it takes to get approval after the medical test?

ifeanyija:
can we do medical now or wait for request, because ,we are not in Lagos or abj, I have to go again for biometric

Ochw:
Good evening all.
Initially, I was admitted to a 2-year program starting September 2025 but deferred to January 2026 due to unforeseen circumstances. Now my program is only available in September, so I took a one-year PG certificate with no co-op and 1 year pgwp. My concern is whether I can find a job within dat year, especially since I hear it's hard to get work in Ontario. For those who experienced this, what advice do you have? How did you find a job quickly after graduation? One year fees was before I deferred.

Ochw:
Good evening all.
Initially, I was admitted to a 2-year program starting September 2025 but deferred to January 2026 due to unforeseen circumstances. Now my program is only available in September, so I took a one-year PG certificate with no co-op and 1 year pgwp. My concern is whether I can find a job within dat year, especially since I hear it's hard to get work in Ontario. For those who experienced this, what advice do you have? How did you find a job quickly after graduation? One year fees was before I deferred.

amnotapervert:
what kind of approval medical approval or study permit approval ?