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Canada’s highest-interest chequing account

Get up to 3.75% interest on your entire Cash account balance.

Close up of a phone with the Wealthsimple app open, showing account balance, spending activity, and rewards.

Interest rates that grow with your wealth

2.75%

Interest for Core clients

3.25%

Interest for Premium clients

3.75%

Interest for Generation clients

Better than a bank? You decide.

Auto-invest your pay

Direct deposit into your Cash account, and automatically buy stocks, ETFs, or crypto. As soon as your pay hits, the money will be invested.

Direct deposit perks

Get extra perks — like auto-investing, faster access to your paycheque, and 0.5% more interest (up to 3.75%) — with qualifying direct deposits. T&Cs apply.

Steadfast interest rates

Our rates aren’t promotional or subject to opening additional accounts. Instead, we follow the Bank of Canada’s rate. If it rises, we rise too (and vice versa).

Ready to break up with your bank?

Open an account in minutes. You can start spending, saving, and earning right away — no branch visits required.