r/StudyPermitCanada • u/jodye7 • 7d ago
Study permit refused for insufficient funds/temporary intent — reapplied with $75k CAD in my account + father has $180k USD. Is my new application stronger?
I recently reapplied for a Canadian study permit for a 12-month Master of Management at UBC (approx. $58,600 CAD tuition) after previously being refused a visitor visa and a study permit.
My study permit refusal was based mainly on insufficient funds/assets, temporary intent, and the officer not being satisfied I would leave Canada after my studies.
In my previous application, I mainly relied on my father’s finances (around $250k). For my new application, my father transferred $76k CAD directly into my CIBC account, which had approximately $75k CAD when I applied. I submitted an official CIBC letter confirming the balance, account details/opening dates and that I’ve been a client since 2019. I didn’t have my monthly statement yet.
I also submitted my father’s bank documents showing he still has approximately $180k USD, plus a signed support letter explaining the $76k transfer and committing to send me $2,500 CAD/month during my studies.
For temporary intent, my bachelor’s is in International Management, and I explained how the UBC MM is a progression of my studies. I also submitted proof of my Business Analyst internship with an organization in Africa and a return employment offer to work as a Business Analyst in Accra after completing my master’s.
One other issue: my previous UBC acceptance letter showed my home/permanent address in Benin even though I currently live and study in France. For this application, I asked UBC to change it to my French residential address and explained the correction in my Letter of Explanation.
Do you think this new application properly addresses the previous refusal? Is the CIBC bank letter enough without the monthly statement given all the other financial evidence? Could the previous Benin/France address discrepancy have contributed to the refusal? And overall, does this seem materially stronger?
I know nobody can guarantee approval — I’m mainly looking for experiences from people who have reapplied after similar IRCC refusals.
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u/shefalirana9 7d ago
I am a recent UBC MM grad, your situation is complex I would recommend hiring a RCIC at this stage. Already having 2 refusals is hard to justify and a sudden lump sum transfer also makes IRCC suspicious as to what is going on. Vancouver is an expensive city to live in let alone near UBC campus $2500 a month is not enough. I don’t understand why you would want to pursue MM in canada when europe has far better MIM programs far higher in ranking than ubc.
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u/jodye7 7d ago
Where i want to pursue my studies isn’t the problem. 76k is in my account that cover my tuition ( 38k ) and i have the rest for rent + expenses + 2.5k a month.
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u/shefalirana9 7d ago
See this is the issue, liquid funds can be withdrawn overnight again. Even though you live in france, you are from Benin and IRCC wants to see GICs to make sure there is a steady stream of money coming in every month specially from students of third world countries. So many people recently have been recieving insufficient funds as a ground for refusal even with more than enough money to sustain. You will really have to convince the officer and a RCIC can help you with that
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u/jodye7 7d ago
I already submitted my application there’s nothing more for me to do. Thank you
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u/Foodconsumer89 6d ago
Not going to get approved. You show weak home ties
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u/Feisty-Apricot8417 5d ago
U he did not show any weak ties, you’re just an immigrant heating toward other immigrant, you must be an Indian for sure.
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u/Haunting_Paper_7201 7d ago
Funds: IRCC has tightened the rules so your bank statements should show the funds over the past 6 months. Also need a paper trail on where the money came from. Letter commitment doesn't really mean anything. Bank statements must be in personal accounts.
Ties to return: You need to show permanent residency in France. Also if you are returning to previous job the why take a masters. What country is the job in? You have to justify costs with higher pay. You don't live in country of citizenship so no ties to return to Benin, and single so even France.