加拿大留学资金证明要求更新： 9月1日起生活费提高，银行流水要求更明确
Read in English加拿大移民局（IRCC）近日更新了学习许可（Study Permit） 的资金证明要求。
从2026年9月1日起，申请加拿大Study Permit的国际学生 需要按照新的生活费标准证明自己的经济能力。 同时，IRCC最新公布的资金证明指引也进一步明确了 银行流水以及资金来源方面的要求。
生活费标准再次提高
对于魁北克以外的省份和地区， 一位申请人的年度生活费要求将从目前的 $22,895增加至$23,448。
新的标准如下：
| 家庭人数 | 2026年9月1日起所需生活费 |
|---|---|
| 1人 | $23,448 |
| 2人 | $29,192 |
| 3人 | $35,888 |
| 4人 | $43,572 |
| 5人 | $49,419 |
| 6人 | $55,736 |
| 7人 | $62,054 |
| 每增加1人 | +$6,318 |
需要特别注意的是， 这些金额仅仅是生活费， 并不包括学费以及往返加拿大的交通费用。
因此，一个人的Study Permit申请并不是准备 $23,448就足够了。
如果课程超过一年， IRCC还要求申请人说明剩余学习期间的费用将如何支付。
银行流水：IRCC现在明确写出过去6个月
这次更新中另一个非常值得注意的变化， 是IRCC对银行资金证明的说明更加具体。
在目前的官方资金证明页面中， IRCC列出的证明方式包括： 过去6个月的加拿大或海外银行账户Bank Statements， 而且应包括递交申请当月或者前一个月。
更重要的是， IRCC同时要求申请人提供文件说明银行流水中资金的来源， 例如：
- 工作收入；
- 储蓄积累；
- 资金转账；
- 父母或其他资助人的收入和资金来源。
这意味着Study Permit的资金准备， 不能只关注账户最后有多少钱。
“钱够不够”只是第一步
过去很多Study Permit申请人在准备资金时， 最关注的是银行账户余额。
但从IRCC目前的要求来看， 资金审查越来越强调三个问题：
钱够不够？
钱从哪里来？
这些钱是否真正可以用于申请人的学习？
例如，如果申请前突然向账户存入一笔很大的资金， 即使最终余额超过IRCC要求， 也可能需要进一步解释这笔钱来自哪里。
如果由父母或其他人提供资金， IRCC也明确列出了可以提交的材料， 包括资助人的工作情况、收入证明、 双方关系以及具体提供多少资金等。
因此，在申请时不仅要提供银行存款证明， 更重要的是让银行流水、家庭收入、储蓄以及 学费支付情况形成一条合理、可以解释的资金链。
对准备申请学签的申请人的提示
如果计划在2026年9月1日以后递交Study Permit申请， 现在就应该按照新的资金标准准备。
尤其是近期准备申请的学生， 不建议等到递交前才开始整理资金。
提前保留至少6个月的银行流水， 并保存工资、投资、资产变现、 家庭转账等资金来源证明， 会让整个资金解释更加完整。
学签的资金证明正在从简单的“余额证明”， 逐渐转向对申请人及其家庭 真实经济能力和资金来源的整体评估。
对于留学申请来说， 账户里有多少钱仍然重要， 但这些钱是怎样积累起来的， 以及为什么可以合理地用于申请人的学习， 同样重要。
Source: Immigration, Refugees and Citizenship Canada (IRCC), Proof of Financial Support for Study Permit Applications, updated August 2026.
Canada Updates Study Permit Financial Requirements: Higher Living Expenses and Clearer Bank Statement Requirements
Immigration, Refugees and Citizenship Canada (IRCC) has updated its financial support requirements for study permit applicants.
Starting September 1, 2026, international students applying to study in Canada will need to meet higher minimum living expense requirements. IRCC’s updated guidance also provides clearer expectations regarding bank statements and the source of funds.
Higher Living Expense Requirement from September 1
For study permit applications outside Quebec, the minimum annual living expense requirement for a single applicant will increase from $22,895 to $23,448.
The new requirements are:
| Family Size | Living Expenses Required |
|---|---|
| 1 person | $23,448 |
| 2 people | $29,192 |
| 3 people | $35,888 |
| 4 people | $43,572 |
| 5 people | $49,419 |
| 6 people | $55,736 |
| 7 people | $62,054 |
| Each additional person | +$6,318 |
These amounts cover living expenses only. Tuition and transportation costs must be demonstrated separately.
For a single student, this means the applicant generally needs to demonstrate sufficient funds for:
For programs longer than one year, applicants should also explain how they intend to finance the remainder of their studies.
IRCC Now Clearly Refers to Six Months of Bank Statements
Another important part of the updated guidance is IRCC’s clearer expectation regarding banking history.
IRCC now lists bank statements for the past six months, including the month the application is submitted or the month immediately before, as evidence that may be used to demonstrate financial capacity.
Applicants should also provide documents explaining the source of funds shown in the account, such as:
- employment income;
- accumulated savings;
- transfers; or
- financial support from parents or other sponsors.
This means that simply showing a sufficient closing balance may not be enough.
It Is Not Just About How Much Money Is in the Account
When reviewing financial support, three questions are increasingly important:
Is there enough money?
Where did the money come from?
Is the money genuinely available for the student’s education?
For example, a large deposit made shortly before submitting a study permit application may require additional explanation, even if the final account balance exceeds IRCC’s minimum requirement.
Where parents or other individuals are providing financial support, applicants should consider providing evidence of the sponsor’s employment or income, their relationship to the applicant, the source of the funds, and the amount of financial support being provided.
The objective should not simply be to reach a required account balance.
The financial documents should tell a clear and credible story about how the studies will actually be funded.
What Study Permit Applicants Should Do
Applicants planning to submit a study permit application on or after September 1, 2026 should prepare their finances based on the new living expense requirements.
It is also advisable to maintain a clear banking history well before filing the application and retain supporting documents showing where significant funds came from.
Study permit financial preparation is increasingly about more than the final balance in a bank account.
The history, source and genuine availability of the funds can be just as important as the amount itself.
Source: Immigration, Refugees and Citizenship Canada (IRCC), Proof of Financial Support for Study Permit Applications, updated August 2026.