Wealthsimple Crypto Fee Schedule

Last updated: September 24, 2026

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 to you varies depending on whether you have Active Trader status. See our Help Centre article for more information on how to obtain and maintain the Active Trader status. 

If you do not have Active Trader status

You pay a flat 0.5% Baseline Trading Fee on every order. Market orders also carry a price spread, which is the difference between the live market price and the price your order is executed at. The price spread will be included in your quoted price and shown to you before you submit your order. The price spread may vary based on market conditions and other factors. Limit orders are never charged a spread.

If you have Active Trader status

Your Baseline Trading Fee starts at 0.5% and decreases as your trailing 30-day trading volume rises (a “Volume-Based Trading Threshold”). Only previously executed transactions count toward this volume. The order you are about to place is not included. The price spread is always 0%, on every order. 

In addition to the Baseline Trading Fee, a $1 surcharge applies to any individual crypto order under $100 (a “Small Order Surcharge”). This Small Order Surcharge applies whether you have Active Trader Status or not, and applies to both market and limit orders. The $100 threshold and $1 surcharge are denominated in the currency of your order – if you trade in Canadian dollars they apply in CAD, and if you trade in U.S. dollars they apply in USD. 

No trading fee (Baseline Trading Fee or Small Order Surcharge) or price spread applies when you buy or sell a stablecoin using its underlying fiat currency (for example, Canadian dollars (CAD) for CAD Digital (CADD) or US dollars (USD) for USD Coin (USDC)).

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

Example Trading Fee Calculations

Without Active Trader status

You pay a flat 0.50% fee plus a spread that varies with market conditions. The spreads shown below are illustrative purposes only; your actual spread is shown in the order flow before you confirm.

• Buy $5,000: The 0.50% fee and a 1.00% spread together come to 1.50% of the order, so you pay $75.00.

• Buy $40 (small order): The 0.50% fee is $0.20 and a 0.75% spread is $0.30, for $0.50 in fee and spread combined. The $1 Small Order Surcharge that applies to any order under $100 then brings the total to $1.50 — on small orders like this, the surcharge is most of what you pay.

With Active Trader status

With Active Trader status your spread is always 0%, and your fee steps down as your trailing 30-day Volume-Based Trading Threshold grows. Keep in mind that the order you're placing does not count toward your own volume.

• September 24 — buy $5,000: With no trades in the prior 30 days, your trailing volume is $0, so you're in the entry level ($0–$10,000) and pay the 0.50% fee — $25.00.

• September 25 — sell $2,000: Your trailing volume is now $5,000, still within the entry level, so the fee stays at 0.50% — $10.00.

• September 26 — buy $100,000: Going into the order your trailing volume is $7,000, so you're still in the entry level at 0.50% — $500.00. The size of this order doesn't move you up a level; it only counts toward future orders.

• September 27 — swap $10,000: The September 26 buy has lifted your trailing volume to $107,000, putting you in the $100,000–$500,000 level, so the swap is charged 0.25% — $25.00.

• October 28 — buy $30,000: Your trailing 30-day window has rolled over and the September trades no longer count, so your volume is back to $0 and you're in the entry level again at 0.50% — $150.00.

• October 29 — buy $40 (small order): The October 28 buy now sits inside your trailing window, putting you in the $10,000–$100,000 level at 0.35%. The fee is $0.14, plus the $1 Small Order Surcharge for orders under $100 — $1.14.

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

Note that on small orders, the $1 Small Order Surcharge applies under both statuses. On small orders it can make up most of the total cost, as the $40 buy examples show.

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 Trade Accounts.

Note: The above list of fees is accurate as of September 24, 2026. Fees are subject to change, with notice in accordance with applicable requirements.