Wealthsimple Canada

Before you move money to Wealthsimple

Compare the card, banking and investing costs. Check the offers before you join.

New to Wealthsimple?

Get $25 when you join

Join with my link. Add at least $100 from outside Wealthsimple within 30 days. For eligible new Canadian clients.

I get $25 too if we qualify, and may earn an additional referral bonus.

Get $25 with my link See the referral code and rules

Chequing is needed for payout. Keep the $25 bonus at Wealthsimple for 180 days.

Applying for the credit card?

There’s a separate referral offer: eligible new clients can get 30 days at 5% on the first $10,000 of eligible net purchases, then 2%. Card approval and separate rules apply. The Visa Infinite+ costs $240 a year unless waived.

See the 5% card offer

Choosing a credit card

Compare the rewards after fees, then check eligibility and payment details.

Compare five cash-back cardsUse your spending to compare Wealthsimple with Rogers, Scotia, Tangerine and Amex.Check Wealthsimple card eligibilityIncome and other qualifying thresholds, the credit check and approval.Understand TransUnion reportingWhat Wealthsimple says it will report and why your statement-date balance matters.Paying in full comes before rewardsHow purchase interest can outweigh the cash back you earn.

Moving everyday banking

How I use Wealthsimple for income and household bills, including the backup I kept.

Why my paycheque now lands at WealthsimpleWhat changed in my routine and why I kept a traditional bank account.Scheduling daycare and rent paymentsThe recurring e-Transfer that let me remove a calendar reminder.The credit line behind our joint accountWhy I enabled overdraft, what borrowing costs and how the investments are at risk.Compare bank signup bonusesThe deposits, payroll changes and fees behind the advertised reward.

Choosing where to invest

Start with the accounts you need and the way you handle Canadian and U.S. dollars.

Questrade or Wealthsimple for USD investing?Compare USD-account fees, currency conversions and bringing in U.S. dollars directly.Use Norbert’s Gambit at WealthsimpleThe DLR-to-DLR.U steps, journaling fee and processing time.Move a TFSA without using contribution roomWhy a direct transfer differs from withdrawing the money yourself.Why I stayed with Questrade for yearsThe USD-account need it met before my investing pattern changed.

October 2026 contest

$1 million and Canadian prizes

Entries close October 28, 2026 at 11:59 p.m. ET. Draws are October 8, 15, 22 and 29, with the $1 million prize in the final draw. Register separately. Using a referral link doesn’t enter you. No purchase is necessary.

See October dates and rules Compare the October prizes Check the October draw tracker Open Wealthsimple’s contest page

Use your own numbers

Compare a cost or see how regular contributions could grow over time.

Compound Growth CalculatorSee how recurring contributions and time can compound, when growth starts doing more of the work, and how return assumptions change the result.Transfer Match CalculatorCompare the total bonus and payout schedule of three sample transfer-match scenarios.Currency Conversion Cost CalculatorCompare repeated foreign-exchange fees with the annual cost of holding a USD account.

Past offers and contest guides

September 2026 condo prizes and locations September 2026 referral entries The closed 3% transfer match I used