Every year, thousands of Nigerians require Proof of Fund (POF) for different purposes — from studying abroad, securing immigration visas, to winning business contracts and tenders.
In all these cases, you must provide verifiable financial evidence that you have the required funds. But the process can be stressful, confusing, and time-sensitive.
That's where POF NG comes in. We provide legitimate, verifiable Proof of Fund and investment certificate documents tailored to your specific needs:
If you are applying for a Canadian Study Permit, Express Entry, or Visitor Visa from Nigeria, showing strong financial ties is non-negotiable. Many applicants ask: "Can I use a Fixed Deposit as Proof of Funds for Canada?"
The short answer is yes, but it comes with a massive warning label. Using a fixed deposit incorrectly is one of the most frequent reasons the IRCC (Immigration, Refugees and Citizenship Canada) refuses visas for "insufficient liquidity."
Here is exactly how the IRCC views fixed deposits and what you must do to ensure your visa is approved.
Want to avoid IRCC rejection over locked funds? Get 100% liquid cash in a commercial bank account through Proof of Fund NG. Call: 08103669924 | WhatsApp: Chat with us instantly
The IRCC "Liquidity" Rule
The golden rule of Proof of Funds for Canada is that the money must be unencumbered and immediately accessible (liquid).
The IRCC needs to know that the moment you land in Toronto, Vancouver, or Calgary, you can easily withdraw that money to pay for rent, food, and tuition.
Why Fixed Deposits Often Fail
When you present a standard Fixed Deposit Certificate, you are showing the embassy that your money is "locked away" for a specific tenure (e.g., 6 months or 1 year) to earn interest.
If your fixed deposit maturity date is after your intended travel date, the visa officer will argue that you cannot access the money when you actually need it, leading to a refusal.
How to make a Fixed Deposit work (The Hard Way): If you insist on using a fixed deposit, you must obtain a specialized letter from your bank manager explicitly stating that the fixed deposit can be liquidated at any time without restriction (even if it means losing the accrued interest). Without this specific encumbrance-free wording, the IRCC will likely reject it.
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The Safest Alternative: Liquid Cash in a Savings/Current Account
Why risk a complex fixed deposit explanation when the IRCC strongly prefers a standard, liquid savings or current account?
A standard bank statement from a recognized commercial bank leaves zero room for the visa officer to doubt your liquidity. It clearly shows the money is available right now.
Stop risking your Canadian visa approval with locked fixed deposits! Proof of Fund NG provides 100% liquid, verifiable bank statements from top commercial banks. Call: 08103669924 | WhatsApp: Message us now
How Proof of Fund NG Secures Your Canada Visa
Instead of battling your bank for specialized letters to prove your fixed deposit is liquid, you can use Proof of Fund NG to present a flawless financial profile.
- Real Liquid Cash: We deposit actual, unencumbered cash into a Tier-1 commercial bank account (like Globus, Zenith, or Parallex) in your name.
- 100% IRCC Compliant: Because the money is in a standard account, the IRCC sees it as immediately accessible liquid funds.
- Fast Processing: Your account is funded within 24 to 48 hours, meaning you don't have to wait months for a fixed deposit to mature just to print a statement.
Ready to proceed?
Call or WhatsApp us immediately to get your liquid account funded:
Call us directly: 08103669924
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Proof of Fund NG is your trusted partner for fast, secure, and hassle-free Proof of Funds in Nigeria.
Prefer an in-person meeting? You can also visit us at our office: 161C Raufu Taylor Close, Off Idejo Street, Victoria Island, Lagos.
Victoria Ajetomobi
Victoria is an expert study abroad and visa consultant with years of experience helping Nigerian students and professionals navigate complex proof of funds requirements.
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