The officer compared the cost of the trip with the income and assets you evidenced, and looked at how the money in the account behaves. A balance with no history behind it does not read as financial capacity.
IRPR 179(b), refusal reason: personal assets and financial status
I am not satisfied that you will leave Canada at the end of your stay, based on your personal assets and financial status.
Whether the trip is affordable from evidenced income and assets, and whether the money in the account behaves like your money.
(b) will leave Canada by the end of the period authorized for their stay under Division 2;
Immigration and Refugee Protection Regulations, section 179, IRPR 179(b)
Temporary residents must have evidence that they can support themselves and any accompanying dependants while in Canada.
Visitors: proof of funds and financial support (program delivery instructions), Proof of funds
At least 6 months of account details, including balances, helps us understand your financial situation.
Apply for a visitor visa, Bank account statement
Four to six months of statements showing salary arriving, bills going out and a balance that grew is worth more than a larger figure that appeared in one transfer. The officer is reading for a pattern, not a number.
A credit larger than a month of your stated income, in the weeks before the application, with no stated source, is the single most common cause of this reason. Name the source and enclose the evidence: the sale, the loan, the gift with the sender's own statement, the matured deposit.
Statements from the account that will pay for the trip. Payslips and an employment letter stating salary. Notices of assessment or tax filings. Property or investment documents. Where a host in Canada is paying, their letter, their statements and their status.
Reapply. Nothing else is available on this route, and the work is making the money legible rather than larger.
There is no appeal against a visitor visa refusal and no limit on reapplying. A new application is assessed on its own evidence, so it only helps if the ticked reasons are answered and something has changed.
Judicial review asks the Federal Court whether the decision was reasonable. It does not re-decide the application, it needs leave, and it needs a Canadian lawyer. The deadline is 60 days from the decision for an applicant outside Canada.
This route needs a regulated adviser.
IRCC refusal letters tick reasons from a fixed list and cite paragraph 179(b) of the Immigration and Refugee Protection Regulations. The officer's notes in the Global Case Management System give the fuller reasoning and can be requested.
Our software reads the refusal, names the grounds and the route, checks every ground against your documents with the refused ones held open, and writes the reapplication letter that answers each one by its reference. Re-runs and second-refusal handling included for 30 days.