An applicant declared CAD 27,000 when creating their Express Entry profile, but by the time they received the ITA, their actual funds had grown to CAD 29,000, and asked which figure to declare in the PR application.
What the group advised:- You can declare any amount at or above the required minimum for Proof of Funds — it doesn't need to match your original profile declaration exactly, since funds naturally fluctuate over the months between profile creation and ITA.
- Keep a buffer above the minimum to protect against currency fluctuations. If your funds are held in a foreign currency, ask your bank about how conversion rates might affect the CAD-equivalent value by the time it's assessed.
- If you have a valid job offer or are applying under the Canadian Experience Class (CEC), the funds requirement may not apply at all — POF is generally waived for CEC applicants and those with a qualifying arranged employment offer.
Takeaway: declare your current, accurate fund balance (29,000 CAD in this case) rather than the older profile figure, as long as it clears the minimum threshold — and build in a currency buffer if your funds aren't already in CAD.