If your invitation names the Federal Skilled Worker Program (FSW), your experience may come from anywhere in the world, and your e-APR has to show it clearly to an officer in Canada. That usually means three extra pieces of work: your education, your foreign reference letters and your proof of funds. None of them is hard once you know exactly what IRCC asks for. Read this with our main e-APR guide, which covers the forms, police certificates, medical exam and fees.
What you need to prove
| Requirement | What IRCC asks for |
|---|---|
| Work experience | At least 1 year of continuous paid work (1,560 hours) in the last 10 years, in Canada or abroad, in your primary occupation (TEER 0, 1, 2 or 3) |
| Language | CLB 7 (NCLC 7) in all four abilities in your first official language, with results less than 2 years old when you apply |
| Education | A Canadian credential, or a completed foreign credential with an ECA for immigration purposes |
| Selection factors | At least 67 out of 100 points on the FSW grid (separate from your CRS score) |
| Settlement funds | Proof of funds, unless you are authorized to work in Canada and have a valid job offer |
| Where you will live | Outside the province of Quebec |
Your educational credential assessment
An ECA confirms that your foreign degree, diploma or certificate is valid and equal to a Canadian one. As the principal applicant under FSW, you need one if you studied outside Canada. It must be an ECA for immigration purposes, and it must be less than 5 years old both when you completed your profile and when you submit your e-APR. If you apply with an expired ECA, IRCC will refuse your application.
| Organization | Designated |
|---|---|
| Comparative Education Service, University of Toronto School of Continuing Studies | April 17, 2013 |
| International Credential Assessment Service of Canada | April 17, 2013 |
| World Education Services | April 17, 2013 |
| International Qualifications Assessment Service (IQAS) | August 6, 2015 |
| International Credential Evaluation Service, British Columbia Institute of Technology | August 6, 2015 |
| Medical Council of Canada (required for specialist physicians and family physicians, NOC 31100, 31101, 31102) | April 17, 2013 |
| Pharmacy Examining Board of Canada (required for pharmacists who need a licence, NOC 31120) | January 6, 2014 |
| Canadian Architectural Certification Board (required for architects who need a licence, NOC 21200) | May 20, 2024 |
- Enter your ECA reference number in your e-APR: IRCC validates it directly with the organization that issued it.
- Upload proof of the credential itself, such as your degree or diploma, and transcripts if you have them.
- Keep your ECA report handy: IRCC’s instructions say a scan is not required at submission but may be requested later.
- Claiming points for two or more credentials? You need an ECA for each one, and at least one must be for a program of 3 years or more.
- Claiming points for your spouse’s education? They need their own ECA too.
Reference letters for work abroad
For every job you declared, IRCC asks for a reference or experience letter from the employer. The rules are the same wherever you worked:
| Item | Details |
|---|---|
| Format | An official document on company letterhead |
| Your name | As it appears in your passport |
| Company contact details | Address, telephone number and email address |
| Signature | Name, title and signature of your immediate supervisor or a personnel officer |
| Every position you held | Job title, duties and responsibilities for each role |
| Dates and status | The dates you worked there, and whether you still do |
| Hours | Number of hours worked per week |
| Pay | Annual salary plus benefits |
- The duties should show that you did the actions in the NOC lead statement and most of its main duties, for the NOC you chose as your primary occupation.
- If a letter is not in English or French, upload a certified translation together with a scan of the original. If no certified translator is available, the translator can swear an affidavit instead.
- A translation cannot be done by you, a family member, or your representative, even if they are a translator or lawyer.
- Self-employed? IRCC asks for articles of incorporation or other proof of ownership, proof of self-employment income, and documents from clients showing the services and payments. Self-declared duties or affidavits are not accepted.
Proof of funds: how much you need
Proof of funds shows you can support yourself and your family when you arrive. IRCC bases the amounts on 50% of the low income cut-off and says it updates them every year. On November 8, 2026, its page still showed this table, marked as updated July 7, 2025.
| Family members | Funds you need |
|---|---|
| 1 | $15,263 |
| 2 | $19,001 |
| 3 | $23,360 |
| 4 | $28,362 |
| 5 | $32,168 |
| 6 | $36,280 |
| 7 | $40,392 |
| Each additional person | $4,112 |
Count yourself, your spouse or common-law partner, your dependent children, and your spouse’s dependent children. Include them even if they are Canadian citizens or permanent residents, or are not coming with you. If you have more than the minimum, list the full amount.
What counts as funds, and what does not
| Counts | Does not count |
|---|---|
| Money in your own bank and investment accounts that you can legally access in Canada | Equity in property, such as the value of your home |
| Money in a joint account with a spouse who is coming with you | Money borrowed from another person |
| Money in your spouse’s own account, if you prove you have access to it | Money you cannot legally take out or use when you arrive |
The money must be available both when you apply and when IRCC issues your permanent resident visa. Your proof is an official letter from each bank or financial institution where you hold accounts, on its letterhead, showing:
- the institution’s address, telephone number and email address
- your name
- your outstanding debts, such as credit cards and loans
- for each account: the account number, the date it was opened, the current balance and the average balance for the past 6 months
When you do not need proof of funds
You are exempt if you are currently authorized to work in Canada and have a valid job offer. Under FSW, a valid job offer is from one employer, for continuous, paid, full-time work (at least 30 hours a week) that is not seasonal, lasts at least 1 year after you become a permanent resident, is in TEER 0, 1, 2 or 3, and is genuine. Since November 3, 2026, the offer no longer needs an LMIA. The system still shows a funds field, so upload a short letter explaining your exemption with your job offer details.
Frequently asked questions
My ECA will expire next month. What should I do?
It must be less than 5 years old on the day you submit. Submit before it expires, or contact the organization that issued it: some can re-issue a report, depending on the type of assessment.
Can a relative lend me money for my settlement funds?
No. IRCC says you cannot borrow this money from another person: the funds must be yours, and you must be able to access them legally when you arrive.
My job abroad was in a language other than English or French. Is a translated letter enough?
You need both: a certified English or French translation, and a scan of the original document (or of a certified copy) the translator worked from.
Do I need proof of funds for my family members who are staying behind?
Yes. Family size includes your spouse and dependent children even if they are not coming with you.
You don’t have to face the wait alone.
Thousands of people have shared their real timelines so the next person isn’t left guessing in the dark. Add yours, keep your own application and your family’s together in one place, and see a grounded estimate of how long your decision might take, drawn from people who are walking the same path.
- Share your timeline and help the next applicant find their footing.
- Track your own and your family’s applications together, in one calm place.
- See a realistic estimate of your wait, based on people on the same journey.
It’s free, and what you track stays private to you. Sharing your timeline with the community is always your choice.
IRCC’s current estimate for an application submitted today. It is a guide to plan around, not a promise about your own file. Details
Key takeaways
- Your ECA must come from a designated organization and be less than 5 years old when you submit.
- A single applicant needs $15,263 in settlement funds, under IRCC’s table updated July 7, 2025.
- You are exempt from proof of funds if you are authorized to work in Canada and have a valid job offer.
- IRCC: Federal Skilled Worker Program (opens in a new tab)
- IRCC: Express Entry, educational credential assessment (opens in a new tab)
- IRCC: Express Entry, proof of funds (opens in a new tab)
- IRCC: Express Entry, job offer (opens in a new tab)
- IRCC: Express Entry, language test results (opens in a new tab)
- IRCC: Express Entry, apply for permanent residence (opens in a new tab)
- IRCC program delivery instructions: Express Entry completeness check (opens in a new tab)
- IRCC program delivery instructions: assessing an Express Entry application (A11.2) (opens in a new tab)
Last reviewed: Nov 8, 2026
