Open BMO Student GIC via Unlimit Mobile Referral & Get
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Earn
120
CAD
✈️ Apply before you start your journey to Canada — open your GIC from home, land with funds ready.
How to open BMO Student GIC through Unlimit Mobile
From registration to GIC certificate — complete walkthrough
Why BMO
Why Choose BMO Student GIC?
Canada's most trusted banking partner for international students
Proof of Financial Support
GIC replaces ITR, bank statements, and property documents as proof for your study permit under the Student Direct Stream.
One Document. Full Proof.
A single GIC covers your entire financial requirement — no bundling of papers, no notarisation needed.
Bank Account in Minutes
Apply from home, get your Canadian account number instantly. Wire up to CAD 75,000 before you land.
Dual Payment Accepted
Parents can jointly contribute — wire from student + parent accounts simultaneously for faster processing.
GIC Interest from Day 1
Earn ~1.50% p.a. interest immediately. No waiting for physical arrival to start accumulating returns.
Pre & Post Arrival Support
From GIC issuance to branch activation — full support before and after you land in Canada.
Claim Your Bonus
How to claim your 120 CAD in Unlimit Mobile plans
Register via Unlimit Mobile
Fill the form on this page with your Unlimit Mobile registered email.
Fund your BMO GIC
Wire minimum CAD 23,050 to activate your BMO Student GIC.
Submit your claim
Share your BMO account number and Unlimit Mobile email for verification.
120 CAD in 15 working days
Your 120 CAD worth of Unlimit Mobile coins is credited after successful verification.
Redeeming Your 120 CAD
How your Unlimit Mobile free plans work
You will get 120 CAD in form of Unlimit Mobile coins. You can pay up to 50% of your monthly mobile plan cost from Unlimit Mobile coins.
Example — CAD 40 monthly bill
Use your Unlimit Coins to reduce your bill and pay the remaining amount by cash/card.
India & Philippines
The 120 CAD Unlimit Mobile bonus is available to residents of India and the Philippines who register through the Unlimit Mobile referral link.
Frequently Asked Questions
It breaks down as: CAD 22,895 Student GIC amount + CAD 150 non-refundable program & incoming wire fee + CAD 5 buffer. The $22,895 reflects IRCC financial requirements for students outside Quebec.
Currently, Student GIC for Quebec is not available under BMO NewStart Pre-Arrival Program. Students can opt for the Banking Only solution and deposit equivalent funds to receive a Deposit Confirmation Letter (DCL).
Refunds take 2–4 weeks. Submit a duly filled refund form, IRCC visa rejection letter, passport copy, and GIC Certificate to refunds.newstart@bmo.com via BMO Secure Message Centre.
Effective July 9, 2025, BMO uses a secure email platform with MFA. Your welcome letter, account details, and GIC certificate are all delivered here. Access is valid for 90 days.
Yes — via the Dual Payment option. Both accounts must wire simultaneously after ID approval.
Wire transfer fee: CAD 16 per payment. One-time program fee: CAD 134 (GIC setup only). Banking-only applications pay the wire fee but not the CAD 134.
Open BMO Student GIC. Get 120 CAD in free mobile plans.
Secure your Canadian student visa GIC — apply online today and claim your reward.