Can I pay living expenses myself or does it have to be shown as GIC in Canada?

Yes, you can pay your living expenses yourself; it does not have to be shown specifically as a Guaranteed Investment Certificate (GIC).

A GIC is a popular and trusted way to prove funds for living expenses in Canada, but it is not mandatory under the current standard study permit process. You can also show proof of funds through bank statements, fixed deposits, or sponsorship letters, as long as they clearly demonstrate you have enough money to cover your costs.

Using a GIC often makes your application stronger since it is straightforward and officer-trusted. If you choose not to use a GIC, ensure your alternative financial documents are strong and well-prepared to avoid visa delays or refusals.