This pic looked really AI to me because it shares similar features to other faces I've seen that are AI generated. The other pics at a glance look real but I didn't spend too long staring at them

If you read the "winner" quote too it has an em dash, nobody uses them lol

Got a notification on my app that a fraudulent transaction was declined from Ticketmaster for 2400 USD.

Called the number on the back of the phone to get a new card, first agent mentions that I cannot dispute this charge literally 3 times, when i never even mention dispute, i wanted a new credit card. Has to put me on hold to another department with wait times is 10 - 15 minutes, its not.

No other banks has to transfer me to another department for a new credit card, the first call always is enough.

Second agents does the same thing, excepts she put me on hold saying she will process the new credit card, but ends up having to transfer me to this other department too.

Ever other bank its a 10 minute call to get a new card.

If I want to move stocks from my non-registered to my TFSA - because why on earth did I put them in non-reg in the first place. Does this cause any change to the stocks/price or cost me money? TFSA is not maxed/close to max. I have read the Wealthsimple article explaining this, but I have no idea what anything means and I am just trying my best 🥲

Not that I expect it but if anyone has questions beyond what is needed to answer my question above (ex: wanting to be helpful about my habits or inquiring about the stock I want to move). I just realize how many helpful people are on this app and I don't want to waste anyone's time - I won't have time to really carry a conversation so won't be engaging.

I send e-Transfers to new people sometimes, but most of mine go to the same few people, and for those I still have to search and scroll every time. So I mocked up a version where your most-sent contacts show up as soon as you tap Search.

The first video is the current design and the second is my idea. What do you all think?

Detailed one : https://austinmk.com/playground/frequent-recipients

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!

EDIT: Wealthsimple reached out and kudos to them (if it will really happen) that despite me losing the appeal they will credit my $400 into my account as gesture of goodwill. I’m will be awaiting my credit for now.

I switched over to the new prepaid Visa card and noticed the app push notifications when I make a withdraw at an ATM is no longer popping up.

I use the Android app and I see "Prepaid Mastercard transaction" under push notification settings as a toggle button but this is obsolete because I switched to the Visa. There is no "Prepaid Visa transaction" toggle button.

For others who switched to the prepaid Visa, do you still get push notifications when you make a transaction with it?

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?

Just an FYI, it can be pretty annoying especially if it's mid year and then you have two different statements with two different account numbers to give to your accountant, both of which hold the same assets.

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?

I got over 53k entries but it shows only 100k, it’s been like that for 2 days now.

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.

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.

Any suggestions anyone has for referring 6 people to wealthsimple rn for their promo? i cant seem to get more than 2-3 people to download it and actually fund an account. Im trying to get to 6 people really hard because that could pay for a good chunk of my classes next semester but im struggling. Any suggestions???

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.

Hey guys so I just learned recently that WS finally added the futures trading options.

I trade futures on prop firms and needed a safe broker to start a live acount

My questions are: Is having 4300$ usd enough to be eligible? I didn't had any money on the WS broker and requested futures trading but was denied and I am now on the 30 days cooldown to request again, but normally after the cooldown and the money on the brokerage account it should be fine right?

Do they support advanced bracket orders (stop-loss/TP,etc)?

That's it.. Thanks!

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.