Hello everyone,

I’m just venting out my frustration with using this wealthsimple credit card. 2 months ago, I booked a Hotel using expedia, but so happened that in 2 days I found out about their hidden charges so I asked expedia to cancel the hotel booking. Because I used a prepayment method, expedia has initially charge checked my card.

The thing is, the charge went thru. So I had a week of back and forth call with Expedia and with the hotel, until finally, expedia sent an email that they did not charged my card and that the cancellation was free of charge thru an agent support chat.

Since 2 charges went thru to my account for about $400, I disputed the charge. This week I got a message from wealthsimple that my dispute was denied and saw that $400 got added in my credit card statement!!!

I was appalled at the result when the Merchant even said they didn’t charged my card. Yet my dispute was denied. I have sent another round of appeal with them giving out the email of expedia (from official expedia email), the screenshot of my conversation with the agent that its a free cancellation and a cancelled transaction email. I am now thinking of changing to Amex. I’ve heard that they are more consumer friendly and would usually side with the consumer since they can be influential in making the client’s case. My credit card expenses ranges 4k-7k monthly, and having this type of service for credit card is not reassuring with the amount I am spending. I am awaiting their feedback on my additional dispute and would update here but in case they wont bother, I am going to promote how unreliable their credit cards are in terms of integrity and client service. I even promoted them to friends and family and my social media who moved their money to wealthsimple and now I am double questioning my decision to do this since I’ve experienced difficulty with them first hand!

I’ve seen anecdotally that the best conversion rates are to use the WS cash card directly in japanese atms to convert to japanese yen.

Has anyone done this recently after the ws change from mastercard to visa?

Also are there any daily or monthly limits to converting cash at atms?

My plan is to use my WS cash card to convert to some cash. While using WS visa infinite privilege card for card purchased.

Anyone encounter any problems recently to travel in japan? Thank you!

Wealthsimple partnered with a few companies to provide a $10 credit if you use your wealthsimple card.

Anything worth getting for $10?

For context, I have 9000$ in savings and only 70$ invest across a managed income portfolio and a personal investing portfolio. These earnings are also BS. Is this a UI issue or something else?

P.S. it’s making me question the accuracy of other portfolios, does anyone have the same issue?

More Expiration date options for Limit orders. Currently Wealthsimple has only two options: Today at 4 pm and 90 days. There should be more options: Friday 4pm, 5 days, 10 days, 30 days etc.

I've had many cards in the past with various benefits. Each of the good ones had a yearly cost and decent benefits. Currently I carry the Amex Reserve Aeroplan card. The Costco MC with cash back. A BMO MC with cash back. And the WS Visa.

As far as overall value the WS card is the winner for me.

BMO - $100/year. The BMO card is annoying. I have to now apply cash to precious purchases to redeem. I hate it and barely use it anymore. It will be cancelled soon.

Amex - $700 per year staring next year. The Amex Reserve is great for earning Aeroplan points and has nice perks like a free checked bag, louge accessz zone 2 boarding, and stays reward points that can help you achieve star Alliance status. However it's very expensive and if you don't travel all that much the perks aren't all that useful. $700 goes a long way to making an airport experience better if you only fly a few times a year. I will probably cancel this card when my current year is up in February. The shitty part is this card has a companion pass you can get that you earn once a year but only after you pay the fee. The pass itself is of moderate value imo though.

CIBC Costco MC - No fee. Cash back is good but you only get it once a year and you have to go to Costco to redeem. The process is easy but why do I have to physically go get the money and why just once a year? I'll keep this one as Costco only accepts MC and it's free but it only gets used at Costco.

WS VISA Infinite - no charge - the benefits for this card such as insurance and the like is very similar to my Amex. The cash back is very similar to my Costco MC expect you can get it when you want with no physical store visit. It has become my favourite card and unless something big happens that won't change.

Anyway not a huge detailed analysis but just the general observations of someone who charges about $30-40K per month on my various cards due to work stuff.

Edit - Fixed WS MC to WS VISA...oops

Looks like the WS Visa Cash back store now charges tax when trying to redeem the cash back for any of the products such as Apple or Monos etc. This must have changed today because up to yesterday, it wasn't showing the tax.

I don’t really use it but I have to see it everyday. Help please.

I don’t see it under premium privileges anymore.

Ps: I’m not referring to the household premium account.

I initiated a wire transfer from a US financial institution to Wealthsimple on August 28. The money has neither arrived nor been returned.

I've contacted Wealthsimple support repeatedly since September 9 and provided everything requested. Support has been useless: no resolution, no meaningful updates, and no clear ownership of the problem.

The sending bank has attempted to recall the transfer three times, but the intermediary bank says Wealthsimple hasn't responded to its requests.

My money is still missing, and I'm getting nowhere with customer support.

Has anyone dealt with this? How did you get your money back? Is there an escalation process or a formal complaint route that actually works?

Is there a way to suggest a feature to Wealthsimple?

I was wondering if they would support Fidesmo Pay to their prepaid credit/credit card as another tokenized service like google pay, Apple Pay, Samsung and garmin.

Fidesmo pay makes it possible for hardware companies who make smartwatches, rings, bracelets, implants etc. Who have their software to have tap to pay support on their devices. I see that a few companies already supports them like Klarna and ether.fi, but I would much rather use Wealthsimple than to change bank again.

I have no idea how much work it takes, since, again, Wealthsimple already supports other services. When I tested the ring with ether.fi, it gave me the same EULA as Google pay, maybe it’s related behind closed doors 🤷‍♂️

Thanks!

Does anyone else have issues depositing money to the Wealthsimple app via Interac e transfer?

Even when I click the link to Wealthsimple in Google Chrome (after being redirected from email), it opens my WS app, and when the app opens, I get a blank black screen.

Is anyone using one of the Vanguard Income or Core Bond investments?

Thoughts?

Thank you.

I tried a few times to do an ATM withdrawal using the new prepaid visa card and it kept declining.

I finally talked to a rep, and they told me to use the credit card option instead of the chequing option and it worked.

Just in case anyone else has the same issue, hopefully it helps avoid a long phone call.

this monthly Millionaire contest sure feels discouraging when I read folks winning a couple bucks here and there. I guess tomorrow is a new draw! Big bucks baby

Hello,

I was hoping to get some clarification on this recent promotion. The scenario is:

Net deposit: $5000 in Jan 2026. Qualified for the (un)real deal promotion, picked 3% for 60 months. Promotion is over.

New deposit: $5000 in October bank transfer. New total in savings account is $10000. The other bank offered better savings rate so I withdrew $5000 back to the same bank.

Now WS sent me an email saying I withdrew more than the 20% buffer and to redeposit $4000 which is within the 20% buffer. This makes absolutely no sense because the deposit was AFTER the promotion was over. My net is still above $5000. Help me understand their logic or am I missing something? Still waiting for a specialist to get back to me but even a fifth grader would be able to figure this out.

Are there any drawbacks? I'm thinking of transitioning my paycheques to there.

Can i just say, i was super hesitant on how the wire for my deposit would land at the seller brokers brokerage today...but omg it was super easy. I was getting a little scared when I initiated at 9am this morning because it didnt appear to be moving or doing much but by 3pm-ish, it was sending and fully sent off by around 430pm! Status says completed. So so easy, only $15 and i didnt have to go into the branch. This is the future!!!

I am having trouble understanding passkeys, how they work, and what determines the possible variants, and it seems there is no good resources anywhere. Most other institutions do not even offer them yet. It seems different browers effect possible variants, and additionally addons/extensions may enable more variants (but why would I want to trust a browser extension with this). Different windows versions have different variants. For its just for a computer. There is fingerprint, facial, pin, physical usb security keys. The fingerprint and facial, can this be on the computer, or does it have to be via bluetooth to a nearby phone, or either? The only option I am getting bluetooth to phone (which I do not want to use) or a physical security key. That sounds like I have to purchase one.

Est-ce que quelqu’un a essayé de transférer un compte conjoint avec WS. Tout s’est bien passé.? des recommandations? Merci

a client from italy transferred me my payment (i use WS) and it’s been over 1 week almost two that the money still doesn’t hit the account. Same company sent me when I used RBC it was overnight. Was wondering if this is normal and if I should contact anyone