An applicant without enough money in their own account asked whether parents can cover proof of funds. The thread's consensus: yes, with the right paperwork and timing.
- Parental support is acceptable — but transfer it properly. Members advised having parents give the money as a formal gift deed, making it unconditionally yours. Your bank can guide you through executing one.
- Season the money. Funds sitting in your account over a period of time look far better than a sudden spike right before you submit proof. If there is a recent large deposit, prepare clear source-of-funds documentation (gift deed, parents' bank records) to explain it.
- The fixed-deposit approach. One member's practical recipe: have parents transfer the required amount into your account, then lock it into a 1-year fixed deposit in your own name. By the time you receive an invitation to apply, a good amount of time has passed and the funds appear stable and genuinely yours.
- Federal vs provincial. Members noted proof of funds is primarily a federal (IRCC) requirement; check your specific provincial stream's rules separately if applying through a PNP.
As always, never misrepresent the source of funds — the documentation exists to show the money is legitimately available to you.