How much settlement money do I need to show, and can it be gifted?

The required amount depends on your family size and is updated regularly, so check the current figures on canada.ca and your province's website rather than relying on older numbers. Some applicants — for example, those already working in Canada with a valid job offer under certain programs — may be exempt. Gifted funds are generally acceptable if the money is truly yours to keep, backed by a deed of gift and bank records. A "gift" you must secretly repay is a loan, and presenting it as a gift is misrepresentation.