After receiving an ITA for a family of two, an applicant split funds across their own and their spouse's account and explained in a letter of explanation that the funds were accessible on demand — but still received a proof-of-funds concern from IRCC.
What the thread identified:- The real issue was the total amount, not accessibility. For a family of two, the required proof-of-funds threshold at the time was 17,127 CAD, and the applicant had shown a combined total of only 15,417 CAD across both accounts — a genuine shortfall, not a documentation problem.
- IRCC was not questioning whether the funds were accessible (the letter of explanation about access wasn't the issue) — so there was no need to move funds into a single joint account; the fix was to increase the total shown to meet the threshold.
- Proof of funds requirements vary by program: a separate point raised in the thread was that proof of funds is generally NOT required for Canadian Experience Class or for Provincial Nominee Program candidates with a valid job offer, unlike other Express Entry streams — worth confirming which stream applies to you before assuming POF is mandatory.
Takeaway: when IRCC flags proof of funds, first check the math against the current published threshold for your family size before restructuring accounts, and confirm whether your specific program even requires POF.