Wealthsimple Crypto Fee Schedule

Effective October 23, 2025

Trading Fee

Wealthsimple charges a trading fee on each order based on the value of the crypto bought, sold or swapped by the order. The initial trading fee (the “Baseline Trading Fee”) charged varies by your client tier: 

• Core - 2.0%

• Premium - 1.0%

• Generation - 0.5%

However, if you trade over a certain dollar value of crypto during a 30-day rolling period (a “Volume-Based Pricing Threshold”), you will be eligible for reduced trading fees (the “Volume-Based Trading Fee”). Only previously executed transactions will be included in the calculation of the Volume-Based Pricing Threshold. The value of a new crypto transaction will not be incorporated in the Volume-Based Pricing Threshold (see example below).

It is important to note that you will be charged the lower fee between your Baseline Trading Fee and your Volume-Based Trading Fee, meaning that regardless of how much you trade, you will not pay more than your Baseline Trading Fee. A Premium client, for example, will pay the 1% Baseline Trading Fee or less, if a Volume-Based Trading Fee applies.

No trading fee is charged when you buy or sell USD Coin (USDC) using U.S. dollars (USD) in your Crypto account.

Volume-Based Trading Fee

These rates only apply to trading (buys, sells or swaps) of crypto and are not applicable on staking fees.

Example Trading Fee Calculations

It is October 23 and you’ve traded $0 worth of crypto in the last 30 days, the Baseline Trading Fee for your client tier will apply, as any new orders you enter now will not count toward the Volume-Based Pricing Threshold. If you want to buy $5,000 CAD worth of crypto on October 23, you will pay:

• Core - $100 (2% Baseline Trading Fee)

• Premium - $50 (1% Baseline Trading Fee)

• Generation - $25 (0.5% Baseline Trading Fee)

If you then decided to sell $2,000 CAD worth of crypto on October 24, the trading fee will be as follows:

• Core - $30 (1.5% Volume-Based Trading Fee, as the October 23 trade counts towards the Volume-Based Pricing Threshold)

• Premium - $20 (1% Baseline Trading Fee)

• Generation - $10 (0.5% Baseline Trading Fee)

For an order to buy $100,000 worth of crypto on October 25, the trading fee will be as follows:

• Core - $1,500 (1.5% Volume-Based Trading Fee, as the new trade doesn’t count towards the Volume-Based Pricing Threshold)

• Premium - $1,000 (1% Baseline Trading Fee, as the new trade doesn’t count towards the Volume-Based Pricing Threshold)

• Generation - $500 (0.5% Baseline Trading Fee)

For an order to swap crypto assets for a value amount of $10,000 on October 26, the trading fee will be as follows:

• Core - $50 (0.5% Volume-Based Trading Fee)

• Premium -  $50 (0.5% Volume-Based Trading Fee)

• Generation - $50 (0.5% Baseline Trading Fee)

For an order to buy $30,000 CAD worth of crypto on November 26, the trading fee will be as follows:

• Core - $600 (2% Baseline Trading Fee, as the 30-day period reset on November 25)

• Premium - $300 (1% Baseline Trading Fee, as the 30-day period reset on November 25)

• Generation - $150 (0.5% Baseline Trading Fee)

All examples are for illustrative purposes only, and presume no additional trading activity in between the dates and examples listed above.

When you place an order, Wealthsimple obtains prices from Wealthsimple’s liquidity providers. Where liquidity providers provide prices in USD, Wealthsimple converts this price to Canadian dollars (CAD) for trades placed in CAD. You must have a CAD balance in your Crypto account to place an order in CAD. For trades placed in USD, if you have a USD balance in your account, no currency conversion will be done at the time of the transaction and the USD price will be provided as-is. The applicable trading fee is charged based on either the converted CAD price or the original USD price. Orders placed in USD will count towards the Volume-Based Trading Threshold.

When your orders are settled in CAD, Wealthsimple will, as required, convert funds between CAD to USD using its corporate exchange rate. Wealthsimple earns income on the corporate exchange rate, but this cost is included in the trading fee described above. For trades settled in USD, no currency conversion will take place.

Wealthsimple may provide you with the ability to purchase certain crypto assets using another crypto asset (swaps). Trading fees for these swap trades are paid using the crypto asset currently owned by you.

Due to rounding of monetary amounts, the amount of the trading fee charged may not precisely equal the percentage fees set out above. The minimum trading fee for an order is $0.01. The quantity of crypto bought or sold by an order may be rounded depending on, among other factors, the price and technical requirements from liquidity providers. Quantities of crypto will be shown to at most six decimal places.

Staking Fee

If you stake crypto, Wealthsimple charges you a fee equal to a percentage of staking rewards received. Staking rewards may vary by token.  

Wealthsimple’s staking fee vary by your client tier, as set out below:

Staking Fee

• Core - 30%

• Premium - 30%

• Generation - 15%

Please note that the third-party validators to which your tokens are staked also charge fees that are applied to staking rewards. For some tokens, a validator can set a “validator commission” rate and automatically receive a portion of your rewards as the “validator commission” when rewards are issued by the blockchain. For these tokens, Wealthsimple’s fee is deducted from the full amount of staking rewards received by Wealthsimple on your behalf. For other tokens, when staking rewards are received by Wealthsimple, Wealthsimple will first deduct the validator’s fees to pay the validator on your behalf. Wealthsimple then deducts its staking fee from the remaining rewards when they are distributed to you. 

The validator fees/commissions for each token are set out below:

• Solana (SOL): Varies by validator. See Solana (SOL) Crypto Asset Statement.

• Ethereum (ETH): Approximately 5%

• Cardano (ADA): Varies by validator. See Cardano (ADA) Crypto Asset Statement.

• Polkadot (DOT): Varies by validator. See Polkadot (DOT) Crypto Asset Statement.

Please note that account statements and fee reports issued by Wealthsimple only show Wealthsimple’s staking fee, not validator fees/commissions.

Example Staking Fee Calculation

For illustrative purposes, if you stake 100 SOL, the network issued rewards of 5%, the validator fee/commission is 10%, and Wealthsimple’s fee is 30%, you should receive approximately 3.15 SOL if you are a Core or Premium client: 

• Gross rewards (5%): 5 SOL

• Less Validator fee/commission (10%): (0.5) SOL

• Subtotal: 4.5 SOL

• Less Wealthsimple staking fee (30%): (1.35) SOL

• Net rewards to client: 3.15 SOL

• Total fees: 1.85 SOL

If you are a Generation client, you should receive approximately 3.825 SOL and total fees would be 1.175 SOL.

This example is for illustrative purposes only and does not take into account, among other factors, variability in reward rates over time or the compounding of rewards.

Network Fees

All blockchain transfers require the payment of network fees (which may be referred to as miners’ fees, gas fees, transfer fees or otherwise) to the blockchain network. Network fees are outside the control of Wealthsimple, and are generally determined by the network’s use and capacity at any given time. When you send crypto, Wealthsimple will provide you with an estimate of the network fee before the crypto is sent. Once the crypto is sent, you will pay the network fee actually charged by the blockchain network.

When sending network tokens on a blockchain network, fees are typically charged in that network's native asset. Wealthsimple will provide you with a fee estimate in your transfer token's equivalent value. The final fee to be paid is calculated at withdrawal using current market rates. If you're sending your entire balance, Wealthsimple will handle any fee difference between estimated and actual fees to ensure a complete transfer.

USD Account Subscription Fees

Wealthsimple charges a subscription fee when you open a USD Account for self-directed trading of securities. If you have a subscription fee charge to your Crypto account, you have specified your Crypto account for billing purposes. The USD Account Fee will be debited from the account you specified on a monthly basis as of the date on which you opened the USD Account and each month thereafter. For further information, please refer to the Wealthsimple Investments Inc. Fee Schedule for Self-Directed Accounts.

By-request Transactions or Extenuating Circumstance Fees

The following are transactional fees that only apply if you request the associated service and the request is approved by a Wealthsimple representative.

Description & Amount

Special Requests & Investigation $75 per hour

Note: The above list of fees is accurate as of October 23, 2025. Fees are subject to change, with notice in accordance with applicable requirements.