PaySmarter

Wealthsimple offer · Canada · Updated October 16, 2026

Wealthsimple Offer & Bonus

New Wealthsimple clients can earn a $25 referral bonus from Wealthsimple when they join through a referral and meet Wealthsimple's conditions.

Get Started with Wealthsimple See Stack Your Rewards

Referral Bonus Available

  • $25 referral bonus, paid by Wealthsimple
  • For qualifying new clients
  • Referral code Q2FFAQ
Editorially independentNo paid placementsNet value after feesUpdated October 16, 2026See methodology →

PaySmarter promotion · Aug 28 – Oct 31, 2026

Add Wealthsimple and increase your PaySmarter bonus from $20 to $40

Wealthsimple is the optional third step — it isn’t required for the $20 PaySmarter bonus, but it upgrades it to $40.

  • $25 Wealthsimple referral bonus (existing partner reward)
  • Fund $100+ by October 31, 2026 to qualify for the $40 PaySmarter tier
  • Chexy + Neobanc alone still unlock the $20 PaySmarter bonus
See how the rewards stack

Sign up and complete all qualifying activity by October 31, 2026.

The PaySmarter bonus is on top of the existing referral rewards offered by Chexy, Neobanc and Wealthsimple. Partner rewards are provided by each platform and subject to their own terms.

Already Started Your Signup?

If Wealthsimple asks for a referral code during registration, use:

Entering the code doesn't guarantee a reward — Wealthsimple's eligibility and funding conditions still apply.

Current offer summary

Is there a bonus, and do I need a code?

Referral Bonus
Active
Reward Amount
$25
Paid By
Wealthsimple
Eligibility
New clients
Referral Code
Q2FFAQ
Last Verified
October 16, 2026

How the offer works

From signup to bonus in four steps

  1. 1

    Confirm you're new to Wealthsimple

    Referral bonuses are for qualifying new Wealthsimple clients.

  2. 2

    Sign up through the PaySmarter link

    If Wealthsimple asks for a referral code, enter Q2FFAQ.

  3. 3

    Fund your new account

    Meet the funding conditions in Wealthsimple's referral terms shown at signup.

  4. 4

    Receive your referral bonus

    Wealthsimple pays the bonus once its own conditions are met.

Stack Your Rewards

Two separate rewards

Wealthsimple referral

$25

Paid by Wealthsimple under its own terms.

PaySmarter bonus (campaign)

$20 → $40

Completing Wealthsimple with Chexy and Neobanc raises the PaySmarter bonus to $40, replacing the $20. Requires $100+ funding by October 31, 2026 and verification.

Interested in earning an additional PaySmarter bonus? See whether you qualify for Stack Your Rewards.

Already using Wealthsimple?

What existing clients can still do

Existing clients usually can't claim the new-client referral bonus. You can still compare the Wealthsimple Visa Infinite, and check the Chexy offer and Neobanc offer, or browse all current offers.

FAQ

Wealthsimple referral & offer FAQ

Q2FFAQ. If you sign up through the PaySmarter link and Wealthsimple asks for a referral code, enter Q2FFAQ. Entering a code alone doesn't guarantee a reward — Wealthsimple's conditions still apply.

The $25 referral bonus is for qualifying new Wealthsimple clients. Wealthsimple sets the eligibility rules and can change them — confirm them on Wealthsimple's signup screen.

Yes. Referral bonuses are generally limited to people who are new to Wealthsimple. Existing clients are usually not eligible.

Wealthsimple's referral rewards are tied to funding a new account; its terms set the exact amount and timing. For Stack Your Rewards, the account must be funded with at least $100 by October 31, 2026.

Wealthsimple is the optional third step of Stack Your Rewards. Completing it alongside the Chexy and Neobanc steps raises the PaySmarter bonus from $20 to $40 — the $40 replaces the $20, it isn't added on top. You can claim the Wealthsimple offer on its own without joining the campaign.

Wealthsimple shows its referral terms during signup. The PaySmarter bonus terms are on the Stack Your Rewards page.

Related resources

Related Resources

Stack Your Rewards — up to $135

Chexy, Neobanc and Wealthsimple referral rewards plus an extra $20–$40 PaySmarter bonus.

See the promotion

Chexy Offer & Referral Bonus

Current Chexy referral code, signup bonus and Aeroplan promotion for Canadians.

See the offer

Neobanc Offer & Referral Bonus

Current Neobanc referral code, cashback offer and signup bonus for Canadians.

See the offer

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Canadian-Specific Analysis
Affiliate disclosure. Some links on PaySmarter.ca are referral links. If you sign up, we may receive a commission at no cost to you. Our editorial verdicts, scores and recommendations are decided independently and never influenced by partners.
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