Blog
Practical Canadian money posts
Focused articles answering specific Canadian PF questions — the kind of stuff you'd Google at 11pm before opening an account.
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How Long Does Wealthsimple Take to Deposit and Withdraw?
Wealthsimple lets you invest deposits instantly up to your limit; free withdrawals take 1–3 business days. See every timeline and how to withdraw.
Updated October 6, 2026
investing
24 posts
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How to Trade on Wealthsimple: Step-by-Step App Guide (2026)
How to trade on Wealthsimple: fund an account, search a ticker, buy for $0 commission, and avoid the 1.5% currency fee on US stocks.
Updated September 23, 2026
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Wealthsimple Account Types (2026): TFSA, RRSP, LIRA, Joint
Wealthsimple account types include TFSA, RRSP, FHSA, RESP, LIRA, RRIF, non-registered, joint and business accounts, all $0 to open. See which fit you.
Updated September 24, 2026
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Does Wealthsimple Trade After Hours? Day Trading Rules 2026
Yes. Wealthsimple trades eligible US stocks 24/5, Sunday 8:00 pm to Friday 8:00 pm ET, and gold and crypto 24/7. See settlement, costs and day-trading rules.
Updated September 24, 2026
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Wealthsimple Options Trading 2026: Fees, TFSA Rules, Setup
Wealthsimple options cost US$0 per contract on US stocks and ETFs, but a CAD account adds a 1.5% FX fee per trade. See the TFSA rules.
Updated September 24, 2026
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Wealthsimple Generation vs Premium Tiers: 2026 Benefits
Wealthsimple Generation starts at $500,000 in assets, with no fee. Compare it with Premium and Core: Chequing rates, managed fees, margin and rewards.
Updated October 6, 2026
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Wealthsimple USD Account: Cost, FX Fees and Who It Suits
Wealthsimple's USD account costs $10 a month on Core and nothing on Premium or Generation. See conversion tiers, break-even math and cheaper options.
Updated September 23, 2026
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Crypto.com Canada Review 2026: Visa Card, Fees, Level Up
Crypto.com Canada review 2026: the free Visa card earns 0% in rewards, paid Level Up tiers from $6.99 a month pay 1.5% to 4.5% back in CRO. Fees and safety.
Updated October 7, 2026
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NDAX Review 2026: Fees, Safety and Withdrawal Costs
NDAX review for 2026: a flat 0.20% trading fee, free deposits, paid CAD withdrawals, and what CSA registration does and doesn't cover for your crypto.
Updated October 7, 2026
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Wealthsimple vs Banks: RBC, TD, BMO, CIBC and Scotia (2026)
Wealthsimple charges $0 commission on stocks and ETFs, while four of the Big 5 bank brokerages still charge per trade. Compare fees, USD and chequing.
Updated September 24, 2026
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Webull Canada Review 2026: Fees, Accounts and Safety
Webull Canada review 2026: $0 commission on Canadian and US stocks and ETFs, a 1.5% currency fee, TFSA and RRSP accounts but no FHSA. Fees and safety.
Updated October 8, 2026
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Is Moomoo Safe in Canada 2026? Yes — CIPF + CIRO Regulated
Is Moomoo safe in Canada? Yes. Its Canadian dealer is CIRO-regulated and a CIPF member, covering up to $1 million per account group. Full breakdown.
Updated October 6, 2026
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Questrade Fees 2026: Every Cost on Every Account Type
Questrade fees in 2026: $0 stock and ETF commissions, no inactivity fee, a 1.5% currency conversion fee and a $150 transfer-out fee. See the full list.
Updated October 6, 2026
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Wealthsimple Fees 2026: What You Pay and What's Free
Wealthsimple charges $0 commission on stocks and ETFs. See what its 1.5% FX fee, USD account, managed and crypto fees cost you.
Updated September 23, 2026
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How to Invest in Index Funds in Canada: ETF Steps (2026)
How to invest in index funds in Canada: open a TFSA or RRSP at a broker, fund it and buy an index ETF such as XEQT (0.19% MER). Steps, costs, mistakes.
Updated October 8, 2026
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How To Invest In Canada 2026: 5 Steps For Beginners
How to invest in Canada in 2026: open a TFSA, fund it, pick a low-cost ETF such as XEQT (0.19% MER) and automate deposits. Five steps with real fees.
Updated October 8, 2026
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How to Open a TFSA in Canada (2026): Steps and Documents
How to open a TFSA in Canada in 2026: who is eligible, the SIN and ID an issuer asks for, how the online application works, and what comes next.
Updated October 11, 2026
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Is Questrade Safe and Legit? CIPF Coverage Explained (2026)
Is Questrade safe? Yes: it's a CIRO-regulated CIPF member, so eligible cash and securities are covered up to $1 million per account group. See the gaps.
Updated September 29, 2026
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Is Wealthsimple Safe? Is It Legit? CIPF and CDIC (2026)
Is Wealthsimple safe? Yes: a CIRO-member dealer with CIPF cover up to $1 million per account group, plus CDIC cover on Chequing via trust. See the gaps.
Updated September 29, 2026
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Norbert's Gambit at Questrade 2026: Skip the 1.5% FX Fee
Norbert's Gambit at Questrade: buy DLR, journal to DLR.U for $9.95, then sell, and skip Questrade's currency conversion fee. Steps and costs.
Updated October 7, 2026
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Norbert's Gambit on Wealthsimple: DLR to DLR.U, Step by Step
Wealthsimple supports Norbert's Gambit: journal DLR to DLR.U and skip the 1.5% fee on conversions under $10,000. Steps, costs and when it pays.
Updated September 24, 2026
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Home Buyers' Plan 2026: RRSP Withdrawal & Repayment Rules
The Home Buyers' Plan lets first-time buyers take $60,000 from an RRSP tax-free. See who qualifies, when repayment starts and how the FHSA fits in.
Updated October 6, 2026
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TFSA Tax Trap 2026: 6 Ways Your TFSA Can Be Taxed
TFSA tax trap rules for 2026: the over-contribution penalty is 1% per month on the excess, plus business, prohibited-investment and US-dividend taxes.
Updated October 6, 2026
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TFSA Withdrawal Rules (2026): When You Can Take Money Out
TFSA withdrawal rules in 2026: how withdrawals affect your contribution room, when re-contribution is allowed, and the most common over-contribution traps.
Updated October 11, 2026
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Wealthsimple Data Breach: What Leaked and the Class Action
Wealthsimple data breach: SINs of under 1% of clients leaked in August 2025; no money or passwords were taken. See the class action status and next steps.
Updated October 6, 2026
banking
5 posts
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Best Canadian Bank & Brokerage Bonuses 2026
Canadian bank and brokerage sign-up bonuses checked October 7, 2026: Wealthsimple's transfer match, Simplii's $350, Tangerine's $250 payroll offer and EQ Bank.
Updated October 11, 2026
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Wise Canada Review 2026: Transfer Fees, Card and Safety
Wise Canada review 2026: sending $5,000 CAD to the US cost $26.51 (US$3,496.42 delivered) in fees on Oct 7. See the card, ATM, CDIC and speed facts.
Updated October 7, 2026
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Is Simplii Financial Safe in 2026? Yes — CIBC-Backed Bank
Is Simplii Financial safe? Yes. It is a trade name of CIBC, a CDIC member, so deposits are insured up to $100,000 per insured category. Full breakdown.
Updated October 6, 2026
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Is Tangerine Safe in 2026? Yes — Scotiabank-Backed CDIC Bank
Is Tangerine safe? Tangerine Bank is a Scotiabank-owned, OSFI-regulated CDIC member, so eligible deposits are insured to $100,000 per category.
Updated October 7, 2026
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Wealthsimple Debit Card (Cash Card) Review: Fees & Limits
The Wealthsimple debit card (the Cash Card) is a prepaid Visa with no monthly or FX fee, refunded ATM fees and no published cash back. See its limits.
Updated October 8, 2026
credit cards
6 posts
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Float Business Credit Card Canada: 2026 Review
Float business credit card review for Canada: $0 Essentials plan, no personal guarantee, and 1% cashback only past $25K monthly spend per card program.
Updated October 7, 2026
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Amex Cobalt Fees Canada 2026: All Costs Broken Down
Amex Cobalt fees in 2026: $15.99 a month ($191.88 a year), a 2.5% foreign currency commission and $0 supplementary cards. Every fee and the points break-even.
Updated October 7, 2026
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Scotia Passport Annual Fee 2026: $150 and Is It Worth It
The Scotia Passport Visa Infinite annual fee is $150 in 2026, with no foreign transaction fee and 6 lounge visits. See the break-even math and rebates.
Updated October 6, 2026
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Apple Card Canada: Not Available — 5 Best Alternatives
Apple Card isn't available in Canada: Apple requires a US address. Compare 5 Canadian alternatives, from 2% on every purchase to no-fee Apple Pay cards.
Updated October 8, 2026
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Is Neo Financial Safe? CDIC, Regulation & Risk (2026)
Is Neo Financial safe in 2026? CDIC trust coverage, regulation, security history, and what happens to your money if Neo fails. Plain-English breakdown.
Updated October 6, 2026
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Wealthsimple Credit Card Review: 2% Visa, Fees and Perks
Wealthsimple credit card: a 2% cash-back Visa, no FX fees, and a $240/yr fee waived at $100,000+ in assets or $4,000/mo deposits. See who it suits.
Updated October 8, 2026
savings
2 posts
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EQ Bank Interest Rate Today: October 2026 Rate Card
EQ Bank interest rate today: 2.75% on the Personal Account with direct deposit (effective Oct. 2, 2026), plus Notice Savings, TFSA and GIC rates.
Updated October 8, 2026
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Is EQ Bank Safe in 2026? Yes — The CDIC Math Explained
Is EQ Bank safe? Yes: EQ Bank is Equitable Bank, a federally regulated CDIC member, so eligible deposits are insured up to $100,000 per insured category.
Updated October 6, 2026
money management
2 posts
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Is KOHO Safe? CDIC, Trust Structure & Risk Explained (2026)
Is KOHO safe? KOHO is not a bank. Funds are safeguarded by Peoples Trust, and only Earn Interest balances are CDIC-eligible, up to $100,000 per member institution.
Updated October 6, 2026
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KOHO Credit Building Review 2026: Is $10 a Month Worth It?
KOHO Credit Building costs $10 a month before plan discounts and reports a no-interest credit line to Equifax and TransUnion. Costs and limits.
Updated October 7, 2026