https://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/Recent content in Wealthsimple Cash Review 2026 | Interest Rate, Card & Fees on WealthNorthHugo -- gohugo.ioen-caSun, 03 May 2026 22:31:06 -0400https://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/customer-service/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/customer-service/Wealthsimple customer service is available through in-app live chat and the help centre at help.wealthsimple.com. There is no phone number for retail Cash account holders. As with most Canadian fintechs operating without branches, all support is digital. For card emergencies — lost card or suspected fraud — the in-app card freeze is the first action to take, before any support contact. Wealthsimple Cash Contact Options Channel Contact Availability In-app live chat Wealthsimple app → Help / Profile Business hours (Mon–Fri, approx.https://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/e-transfer-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/e-transfer-limit/Wealthsimple Cash supports Interac e-Transfer for loading and withdrawing funds, direct deposit from employers and government, and (for Wealthsimple investors) instant internal transfers to and from Wealthsimple Trade and Invest. The standard Interac limits apply: $3,000 per transaction and $10,000 per day. All e-Transfers are free on every tier. Wealthsimple Cash e-Transfer Limits Limit Amount Notes Send per transaction $3,000 Standard Interac limit Send per day $10,000 Standard Interac limit Receive per transaction $3,000 Set by sender’s bank Send fee $0 All tiers Receive fee $0 All tiers Internal transfer (to/from WS Trade/Invest) No stated limit Instant Linked bank EFT Up to ~$25,000+ Check app for current limits; 1–3 business days Loading Wealthsimple Cash Method 1: Interac e-Transfer from another bankhttps://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/fees/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/fees/Wealthsimple Cash’s Basic tier is free to hold and use. The Premium ($10/month) and Generation ($20/month) tiers unlock a higher savings rate and better cash back, but the Basic account delivers the no-FX-fee Visa and 1% cash back at no cost. Fee Schedule by Tier Fee Basic Premium Generation Monthly account fee $0 $10 $20 Interac e-Transfer (send/receive) $0 $0 $0 Bill payments $0 $0 $0 Direct deposit $0 $0 $0 Mobile cheque deposit $0 $0 $0 Foreign exchange fee 0% 0% 0% ATM — partner network $0 $0 $0 ATM — non-partner (Canada) Operator fee Possible rebates Possible rebates ATM — international 0% FX + operator fee 0% FX + operator fee 0% FX + operator fee Account closure $0 $0 $0 The 0% Foreign Exchange Fee Every tier — including the free Basic account — pays 0% foreign exchange fee on the Wealthsimple Cash Visa.https://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/savings-rate/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/wealthsimple-cash/savings-rate/Wealthsimple Cash pays a variable interest rate set by Peoples Trust Company, which holds all Cash account deposits. The rate is tiered: Basic (free) earns approximately 3.00–3.50%, while Premium ($10/month) and Generation ($20/month) earn approximately 4.00%+. Interest accrues daily and is paid monthly with no minimum balance. The most important context for this rate: all interest is taxable. Wealthsimple Cash has no registered account option. In a TFSA at a competing institution, the same interest would be tax-free — a meaningful real-dollar difference for Canadians with unused TFSA room.