{"schemaVersion":"1.3","lastUpdated":"2026-10-01","publisher":{"name":"Canadian Wealth Ops","url":"https://wealthops.ca","country":"CA"},"disclosure":"Canadian Wealth Ops may receive compensation when a qualifying reader uses a disclosed referral link. A referral never guarantees eligibility, approval, or a separate promotion.","dataPolicy":{"inclusion":"Only promotions checked against the vendor's own current terms and useful enough to explain clearly are included.","freshness":"Consumers should compare verifiedAt and the official source URLs before relying on time-sensitive details.","status":"Active means the vendor described the offer as available on verifiedAt. Eligibility and availability can still vary by person."},"promotions":[{"id":"wealthsimple-referral-2026","vendor":{"name":"Wealthsimple","website":"https://www.wealthsimple.com/en-ca"},"country":"CA","kind":"referral","status":"active","title":"Wealthsimple $25 referral bonus","code":"EHJW9W","referralUrl":"https://www.wealthsimple.com/invite/EHJW9W","articleUrl":"https://wealthops.ca/articles/wealthsimple-referral-code","publicAvailability":"Eligible new Canadian clients and limited correction cases under the current terms.","eligibility":{"residency":"Legal resident of Canada.","age":"Age of majority in the province or territory where the client lives.","clientStatus":"Eligible new Wealthsimple client under the current referral terms.","qualifyingAccountTypes":["Trade","Crypto","Managed Investing","Chequing"],"primaryAccountHolderRequired":true,"lateCodeWindowDaysAfterFirstFunding":7,"afterLateCodeWindow":"Contact Wealthsimple support; a late correction is not guaranteed."},"referredPersonReward":{"amount":25,"currency":"CAD"},"referrerReward":{"amount":25,"currency":"CAD","recipient":"The owner of Canadian Wealth Ops"},"compensationDisclosure":"If an eligible reader uses this referral and qualifies, Wealthsimple pays the reader a $25 base bonus. The owner of Canadian Wealth Ops can receive the $25 base referral bonus and may also receive an additional referral bonus based on the referee's total deposits or a separate targeted referral promotion.","requirements":{"minimumQualifyingNetDeposit":100,"currency":"CAD","fundingWindowDays":30,"bonusHoldDays":180,"bonusPayoutWithinHoursAfterQualifyingFundingProcessed":24,"fundingSource":"A qualifying external bank, investment institution, or eligible external crypto wallet.","excludedFundingSources":["Internal transfers between Wealthsimple accounts","Peer-to-peer transfers inside Wealthsimple","Promotional credits","Funding from Wealthsimple affiliates","Group-plan transactions"],"payoutDestination":"An active Wealthsimple chequing account where the eligible person is the primary owner."},"derivedFacts":{"bonusAsPercentOfMinimumQualifyingFunding":25,"interpretation":"The $25 bonus is 25% of the $100 minimum qualifying funding amount. This is a promotional-bonus ratio, not investment performance or a guaranteed return."},"additionalReferrerCompensation":{"possible":true,"basis":"The referee's total deposits during the 30-day funding period.","amount":"Varies; the public confirmation article does not state a universal amount.","payoutTiming":"Up to 14 business days after the 30-day funding period ends, or after all funds have settled, whichever is later.","source":"https://help.wealthsimple.com/hc/en-ca/articles/32862920204187-Confirm-your-referral"},"relatedPromotionIds":["wealthsimple-super-referrals-boost-2026","wealthsimple-credit-card-give-5-get-5-2026","wealthsimple-credit-card-5-percent-welcome-2026"],"importantLimitations":["The code does not guarantee account eligibility or approval.","The code does not unlock the separate invitation-only credit-card welcome offer.","Check the official sources for changes made after verifiedAt."],"verifiedAt":"2026-10-01","officialSources":["https://www.wealthsimple.com/en-ca/referrals","https://help.wealthsimple.com/hc/en-ca/articles/19646567019035-Wealthsimple-Referral-Bonus-Promotion-2026","https://help.wealthsimple.com/hc/en-ca/articles/32862920204187-Confirm-your-referral","https://www.wealthsimple.com/en-ca/legal/referral-arrangement-disclosure"]},{"id":"wealthsimple-super-referrals-boost-2026","vendor":{"name":"Wealthsimple","website":"https://www.wealthsimple.com/en-ca"},"country":"CA","kind":"targeted-referral-boost","status":"active","title":"Wealthsimple Super Referral Boost","code":"EHJW9W","referralUrl":"https://www.wealthsimple.com/invite/EHJW9W","articleUrl":"https://wealthops.ca/articles/wealthsimple-referral-code","publicAvailability":"Invitation-only to eligible existing Wealthsimple referrers who receive the promotion from Wealthsimple.","reward":{"refereeBaseBonus":25,"referrerBonusPerQualifyingReferral":75,"currency":"CAD"},"requirements":{"minimumQualifyingNetDeposit":100,"fundingWindowDays":30,"bonusHoldDays":180,"invitationRequiredForReferrer":true,"primaryAccountHolderRequiredForReferee":true,"qualifyingFunding":"Qualified institutional transfers, crypto transfers, and/or deposits from an external institution."},"importantLimitations":["The referred new client still receives $25 under this targeted boost; the larger $75 reward is for the invited referrer.","The referrer must have been invited by Wealthsimple; publishing or using the referral code does not prove the referrer has this targeted boost.","Only qualifying external funding counts.","The offer can change or be withdrawn at Wealthsimple's discretion."],"promotionBeganAt":"2026-08-11T00:01:00-04:00","publishedEndDate":null,"verifiedAt":"2026-09-20","officialSources":["https://help.wealthsimple.com/hc/en-ca/articles/34899675215515-Super-Referrals-Boost"]},{"id":"wealthsimple-credit-card-5-percent-welcome-2026","vendor":{"name":"Wealthsimple","website":"https://www.wealthsimple.com/en-ca/wealthsimple-visa-infinite-card"},"country":"CA","kind":"targeted-welcome-offer","status":"active","title":"Wealthsimple credit-card 5% cash-back welcome offer","code":null,"referralUrl":null,"articleUrl":"https://wealthops.ca/articles/wealthsimple-credit-card-review","publicAvailability":"Invitation-only through an eligible client's Wealthsimple app or email.","reward":{"standardCashBackRate":0.02,"temporaryAdditionalRate":0.03,"temporaryTotalRate":0.05,"durationDaysAfterApproval":30,"eligibleNetPurchaseCap":10000,"currency":"CAD","maximumAdditionalCashBack":300,"maximumTotalCashBackAtCap":500},"requirements":{"invitationRequired":true,"applicationWindowDaysAfterInvitation":30,"activationHoursAfterApproval":24,"postPromotionCardOpenDays":180},"importantLimitations":["An invitation is required. A standard Wealthsimple referral code does not create or guarantee this offer.","The boost adds 3% to the regular 2% rate for 30 days and applies only to the first $10,000 of eligible net purchases.","Cash-like transactions, gift-card purchases, refunds, fees, and adjustments are excluded under the current terms.","Approval is not guaranteed. Wealthsimple says the extra 3% may be recovered if the card is closed or deactivated within 180 days after the boosted period ends.","Wealthsimple can change the offer at its discretion; clients should use the terms attached to their own invitation."],"promotionBeganAt":"2026-01-26T00:01:00-05:00","publishedEndDate":null,"verifiedAt":"2026-09-28","officialSources":["https://help.wealthsimple.com/hc/en-ca/articles/45413129168283-Wealthsimple-Credit-Card-5-Cash-Back-Welcome-Offer","https://www.wealthsimple.com/en-ca/wealthsimple-visa-infinite-card"]},{"id":"wealthsimple-credit-card-555-welcome-2026","vendor":{"name":"Wealthsimple","website":"https://www.wealthsimple.com/en-ca/wealthsimple-visa-infinite-card"},"country":"CA","kind":"targeted-welcome-offer","status":"active","title":"Wealthsimple credit-card 555 welcome offer: 5% for 35 days","code":null,"referralUrl":null,"articleUrl":"https://wealthops.ca/articles/wealthsimple-credit-card-review","publicAvailability":"Invited new Wealthsimple clients who have never held a Wealthsimple credit card; approval required within 30 days of the invitation.","reward":{"temporaryTotalRate":0.05,"durationDaysAfterApproval":35,"eligibleNetPurchaseCap":10000,"maximumTotalCashBackAtCap":500,"currency":"CAD","baseRate":"Depends on the approved card; the added rate brings its total to 5%."},"requirements":{"invitationRequired":true,"applicationWindowDaysAfterInvitation":30,"activationHoursAfterApproval":24,"postPromotionCardOpenDays":180},"importantLimitations":["Invitation required; a referral code does not create or guarantee the offer.","5% total cash back for 35 days after approval on the first $10,000 of eligible net purchases. Extra cash back depends on the approved card's base rate.","Cash-like transactions, gift cards, refunds, fees and adjustments are excluded. Keep the card open for 180 days after the boost ends or the boost may be recovered.","The legacy 30-day welcome offer and referral boost are separate promotions; use the terms attached to your invitation."],"promotionBeganAt":"2026-09-29T00:01:00-04:00","publishedEndDate":null,"verifiedAt":"2026-10-01","officialSources":["https://help.wealthsimple.com/hc/en-ca/articles/56029868745499-Earn-5-cash-back-for-35-days-with-a-new-Wealthsimple-credit-card","https://www.wealthsimple.com/en-ca/credit-card"]},{"id":"wealthsimple-credit-card-give-5-get-5-2026","vendor":{"name":"Wealthsimple","website":"https://www.wealthsimple.com/en-ca/credit-card"},"country":"CA","kind":"credit-card-referral","status":"terms_need_confirmation","title":"Wealthsimple credit-card 5% referral boost","code":"EHJW9W","referralUrl":"https://www.wealthsimple.com/invite/EHJW9W","articleUrl":"https://wealthops.ca/articles/wealthsimple-credit-card-review","publicAvailability":"Confirm the offer and eligibility in Wealthsimple before applying; current official language versions disagree on the promotion dates.","promotionPeriod":{"opensAt":null,"closesAt":null},"reward":{"standardCashBackRate":0.02,"temporaryAdditionalRate":0.03,"temporaryTotalRate":0.05,"durationDaysPerBoost":30,"eligibleNetPurchaseCapPerBoost":10000,"maximumAdditionalCashBackPerBoost":300,"currency":"CAD","recipients":"Both eligible referral parties under the applicable terms","maximumReferralBoosts":20,"maximumBoostsAsReferee":1,"stacking":"Consecutive periods, not a higher cash-back rate"},"requirements":{"referralAndApprovalDeadline":null,"qualifyingAction":"A qualifying referral followed by card approval within the applicable referral period; confirm eligibility and boost dates with Wealthsimple."},"importantLimitations":["The English period runs from October 1 to September 13, 2026, which is internally inconsistent. French terms dated October 1 state an October 1 start without an end date.","The French terms describe 5% total cash back for 30 days on the first $10,000 of eligible net purchases. Do not assume this code guarantees that boost.","The referrer may receive the same boost if eligible; referrer exclusions include participation in the Super Referral program.","Cash-like transactions, gift cards, refunds, fees and adjustments are excluded. Confirm activation and hold requirements in your own offer.","The separate welcome and $25 referral offers have their own eligibility rules."],"verifiedAt":"2026-10-01","verificationBasis":"Current official English and French Help Centre terms; dates remain unresolved.","officialSources":["https://help.wealthsimple.com/hc/en-ca/articles/55171641448475-Wealthsimple-Credit-Card-5-Cash-Back-Referral-Promotion","https://help.wealthsimple.com/hc/fr-ca/articles/55171641448475"]},{"id":"wealthsimple-monthly-millionaire-september-2026","vendor":{"name":"Wealthsimple","website":"https://www.wealthsimple.com/en-ca/monthly-millionaire"},"country":"CA","kind":"contest","status":"entries_closed","title":"Wealthsimple Monthly Millionaire September condo giveaway","statusDetail":"Entries closed September 30; the final scheduled draw is October 1, 2026.","articleUrl":"https://wealthops.ca/articles/wealthsimple-condo-giveaway-locations","entryUrl":"https://www.wealthsimple.com/en-ca/monthly-millionaire","contestPeriod":{"opensAt":"2026-08-27T00:00:00-04:00","closesAt":"2026-09-30T23:59:00-04:00"},"entries":{"registration":500,"perDollarOfQualifyingNetDeposits":1,"perSuccessfulReferral":100000,"maximum":300000,"directDepositMultiplier":2,"successfulReferralFundingMinimum":100,"successfulReferralFundingWindowDays":30},"prizes":[{"drawDate":"2026-09-03","building":"The Georgian","address":"227 Gerrard St E, Toronto, ON M5A 2E9","home":"1 bedroom, 1 bathroom; 489 sq. ft. plus 66 sq. ft. outdoors","approximateRetailValue":635700,"anticipatedOccupancy":"February 2027"},{"drawDate":"2026-09-10","building":"The Georgian","address":"227 Gerrard St E, Toronto, ON M5A 2E9","home":"1 bedroom, 1 bathroom; 603 sq. ft. plus 304 sq. ft. outdoors","approximateRetailValue":783900,"anticipatedOccupancy":"February 2027"},{"drawDate":"2026-09-17","building":"The Georgian","address":"227 Gerrard St E, Toronto, ON M5A 2E9","home":"2 bedrooms, 1.5 bathrooms; 644 sq. ft. plus 230 sq. ft. outdoors","approximateRetailValue":837200,"anticipatedOccupancy":"February 2027"},{"drawDate":"2026-09-24","building":"Concord Canada House","address":"3 Concord CityPlace Way, Toronto, ON M5V 0X4","home":"1 bedroom plus den, 2 bathrooms; 650 sq. ft. plus 145 sq. ft. outdoors","approximateRetailValue":699900,"anticipatedOccupancy":"Available upon closing"},{"drawDate":"2026-10-01","building":"KING Toronto","address":"460 King St W, Toronto, ON M5V 1K4","home":"1 bedroom, 1 bathroom; 654 sq. ft.","approximateRetailValue":1454990,"anticipatedOccupancy":"July 2027"}],"importantLimitations":["No purchase is necessary; the official rules include essay entry methods.","A Wealthsimple referral does not register either person for Monthly Millionaire.","Condo prizes must be accepted as awarded and have no cash-surrender value.","Winners are responsible for ongoing ownership costs, including property taxes, condo fees, utilities, insurance, and maintenance."],"verifiedAt":"2026-09-07","officialSources":["https://www.wealthsimple.com/en-ca/monthly-millionaire","https://promotions.wealthsimple.com/hc/en-ca/articles/49705211487771-Wealthsimple-Monthly-Millionaire-September-Contest"]},{"id":"wealthsimple-monthly-millionaire-october-2026","vendor":{"name":"Wealthsimple","website":"https://www.wealthsimple.com/en-ca/monthly-millionaire"},"country":"CA","kind":"contest","status":"active","title":"Wealthsimple Monthly Millionaire October cash and Canadian prizes","articleUrl":"https://wealthops.ca/articles/wealthsimple-monthly-millionaire-october-2026","entryUrl":"https://www.wealthsimple.com/en-ca/monthly-millionaire","contestPeriod":{"opensAt":"2026-10-01T00:00:00-04:00","closesAt":"2026-10-28T23:59:00-04:00"},"drawDates":["2026-10-08","2026-10-15","2026-10-22","2026-10-29"],"entries":{"registration":500,"perDollarOfQualifyingNetDeposits":1,"perSuccessfulReferral":5000,"maximum":100000,"directDepositMultiplier":2,"successfulReferralFundingMinimum":100,"successfulReferralFundingWindowDays":30},"grandPrize":{"amount":1000000,"currency":"CAD","count":1,"drawDate":"2026-10-29"},"eligibility":"Legal Canadian residents of majority age, including Quebec, subject to official staff, contractor and household exclusions.","importantLimitations":["No purchase necessary; official rules provide essay-entry methods.","Online registration requires an eligible personal chequing account holding at least $1; prior eligible registrants may be automatically enrolled unless opted out.","Referral entries go to the referrer and require a pre-existing personal, family or friend relationship. A public referral link does not guarantee contest entries or register either person.","Qualifying activity must complete in the October contest window; withdrawals can reduce net-deposit entries.","Secondary claims close on the fifth day after reveal; the grand-prize claim window is 30 days. Skill-testing and other requirements apply.","Brand credits require eligible purchases after claim and by December 31, 2026, at 11:59 p.m. ET.","The official prize tables and weekly aggregate counts conflict; use the official app for the awarded prize and claim instructions."],"verifiedAt":"2026-10-01","officialSources":["https://help.wealthsimple.com/hc/en-ca/articles/49705211487771-Wealthsimple-Monthly-Millionaire-October-Contest"]}]}