Pricing & benefits

Whether you’re just starting out or you’re an experienced investor, we’re here to help. And as your wealth grows, so do your benefits.

What you get — no matter what

Unmatched value

We keep our fees low, so more money stays in your portfolio – whether you’re an investor, a saver, or both. The more your wealth grows, the more you get out of Wealthsimple.

Investing made simple

Our easy-to-use tools, educational articles, and team of friendly humans are here to help. We’re with you from your first deposit, buying your first home, all the way to retirement.

Effortless money management

Automatically invest a portion of your paycheque, buy your favourite stocks, reinvest your dividends, and more. These features are always working in the background to help you move closer to your goals.

Bring your wealth to a better place

Our team will get to know you and your financial goals, then help you make the move to Wealthsimple.

Contact our team
Photo of a Wealthsimple advisor in the office

Silvi Pukitis Woods, CFA, CFP (Senior Wealth Advisor)

Compare features

Core
$1 in assets
Premium
$100,000 in assets
Generation
$500,000 in assets
Managed investing
benefitCorePlusGeneration

Management fees

0.5%0.4%0.2%*–0.4%

Auto-rebalancing

IncludedIncludedIncluded

Dividend reinvesting

IncludedIncludedIncluded

Auto-deposits

IncludedIncludedIncluded

Personalized portfolios

IncludedIncludedIncluded

Private credit investments

Not includedIncludedIncluded

Private equity investments

Not includedIncludedIncluded

Tax loss harvesting

Not includedIncludedIncluded

Custom portfolios

Not includedNot includedIncluded

Asset location

Not includedNot includedIncluded

CIPF coverage

IncludedIncludedIncluded
Self-directed investing
benefitCorePlusGeneration

Commission fees

$0$0$0

USD accounts

Free 30-day trial
$10/monthIncludedIncluded

Instant deposits

Up to $50,000Up to $50,000Up to $50,000

Recurring investments

IncludedIncludedIncluded

Dividend reinvestments

IncludedIncludedIncluded

Fractional shares

IncludedIncludedIncluded

Real-time quotes

IncludedIncludedIncluded

Price alerts

IncludedIncludedIncluded

Options contract fee

$2 USD/contract$0.75 USD/contract$0.75 USD/contract

Stock lending

Early access
IncludedIncludedIncluded

Foreign exchange fees

1.5%1.5%1.5%

Instant withdrawal fees

2.5%2.5%2.5%

CIPF coverage

IncludedIncludedIncluded
Spend & save
benefitCorePlusGeneration

Cash account interest

4%4.5%5%

Direct deposit

IncludedIncludedIncluded

Auto-invest your pay

IncludedIncludedIncluded

Bill pay

IncludedIncludedIncluded

Monthly account fees

$0$0$0

Account minimums

$0$0$0

Cash back

1%1%1%

Added ATM fees

$0$0$0

Foreign exchange fees

0%0%0%

Cash account CDIC coverage

Up to $300,000Up to $300,000Up to $300,000

Save account CDIC coverage

Up to $100,000Up to $100,000Up to $100,000
Crypto
benefitCorePlusGeneration

Trading fees

2%1%0.5%

Recurring investments

IncludedIncludedIncluded

Price alerts

IncludedIncludedIncluded

Staking yield

Up to 12%Up to 12%Up to 12%

Insurance

IncludedIncludedIncluded
Tax
benefitCorePlusGeneration

Always free filing

IncludedIncludedIncluded

Auto-fill my return

IncludedIncludedIncluded

Crypto tax calculator

IncludedIncludedIncluded

Audit support

$30$30$30
Financial planning & advice
benefitCorePlusGeneration

Educational content

IncludedIncludedIncluded

Goal setting with an advisor

Not includedIncludedIncluded

Dedicated team of advisors

Not includedNot includedIncluded

Comprehensive financial plan

Not includedNot includedIncluded
Account management & support
benefitCorePlusGeneration

Human help

IncludedIncludedIncluded

24/7 help centre

IncludedIncludedIncluded

Priority email service

Not includedIncludedIncluded

Priority phone service

Not includedIncludedIncluded
Perks
benefitCorePlusGeneration

15% off your will

Not includedIncludedIncluded

Medcan Year-Round Care plan

Not included6 months free6 months free

Medcan Comprehensive Care plan

Not includedNot included50% off

Airport Lounge Access

Not includedNot included10 passes/year
Free 30-day trial

USD accounts

Trade in USD commission-free and skip the foreign exchange fees on every trade. Available for $10/month, or complimentary for our Premium and Generation clients.

Start investing in minutes

Open an account, make a deposit, and put your money to work.

FAQs

You’ll automatically become a Premium client when you reach $100,000 with Wealthsimple.

Similarly, you’ll automatically become a Generation client when you reach $500,000 with Wealthsimple.

Your status is determined by whichever is higher — the value of your net deposits, or the value of your entire Wealthsimple portfolio.

So whether you’re a long-time client whose portfolio value has gone up over time (nice), or a brand-new client transferring to us, we want you to have every opportunity to qualify for Premium or Generation.

Almost all your Wealthsimple accounts are included! TFSAs, RESPs, RRSPs, GRSPs, LIRAs, and non-registered accounts — they’re all included, whether they’re Managed investing accounts or Self-directed accounts. So are your Crypto, Save, and Cash accounts.

If both your net deposits and total assets with Wealthsimple fall and stay below the $100,000 or $500,000 minimum you will be subject to a change in status.

You’ll no longer be charged for USD accounts, but you’ll keep receiving the same great benefits. You’ll save $10 a month, and continue on your path to reaching Generation status.

Your Premium and Generation plan comes with the perk of access to one of our experienced advisors. Set up time and get advice to help you meet your financial goals. Contact our team here.

Medcan's Comprehensive Health Plan helps you optimize your health now and in the future with a wide range of services. They include an annual health assessment, diagnostic testing with same-day results, on-demand appointments, travel health support, and genetics and genetic counselling.

For more information about the Medcan perks included with Premium, read here.

For more information about the Medcan perks included with Generation read here.

Once you sign up, you’ll receive the benefits of USD accounts for free. After the 30 day trial, you’ll automatically be billed $10/month for upcoming months.

To exchange CAD to USD, you’ll still be charged a 1.5% currency conversion fee, or you can transfer USD from another account for free.

Our management fees for Generation clients range from 0.4% for clients who have $500,000 with us, to 0.2% for clients who have $10,000,000 with us. To learn which rate you qualify for, reach out to our team of advisors here.