The IRBC referral program

Last updated: July 13, 2026

When you share IRBC with your network, you and the people you refer can both earn bonuses.

You'll each get $250 when your referral deposits $10,000 within the first 90 days. They'll also skip the line with an expedited application review.

Requirements for the referral bonus:

  • The person you refer must be a net new IRBC customer

  • Your referral must open a new account and include your full name in their application.

  • They must deposit and maintain a balance of at least $10,000 in their IRBC account for at least one full business day during their first 90 days.

  • You cannot refer a business that you own

Note: Payouts are typically posted within 1–3 business days.