Stack Your Rewards. Get Up to $135.

No. Each partner reward requires that partner's qualifying activity, and the PaySmarter bonus is paid only after PaySmarter verifies the qualifying activity for every required step.

No. $40 is the total PaySmarter bonus when Wealthsimple is also completed — it replaces the $20.

No. Chexy and Neobanc unlock the $20 bonus on their own. Wealthsimple is optional.

Chexy, Neobanc and Wealthsimple pay their own referral rewards under their own terms. PaySmarter pays only the PaySmarter bonus.

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

• The promotion runs from August 28, 2026 to October 31, 2026.
• All required sign-ups and all qualifying activity must be completed by October 31, 2026. There is a single deadline for the entire promotion.

• You must sign up for Chexy through the designated PaySmarter referral link during the promotion period.
• You must complete your first qualifying Chexy payment by October 31, 2026.
• There is no minimum payment amount for the Chexy qualification.

• You must sign up for Neobanc through the designated PaySmarter referral link during the promotion period.
• You must complete your first qualifying Neobanc payment of at least $1,000 by October 31, 2026.

• For the $40 PaySmarter tier you must also become a qualifying new Wealthsimple client through the designated PaySmarter referral link during the promotion period.
• You must fund your Wealthsimple account with at least $100 by October 31, 2026.
• Wealthsimple is not required to receive the $20 Tier 1 PaySmarter bonus.

• Tier 1: $20 when the Chexy and Neobanc requirements are completed.
• Tier 2: $40 when the Chexy, Neobanc and Wealthsimple requirements are completed.
• The $40 is the total PaySmarter bonus and replaces the $20 Tier 1 amount. It is not an additional $40 on top of the $20.
• One PaySmarter promotional bonus per eligible person.
• The PaySmarter bonus is available to new customers of the applicable partner platforms who complete the qualifying activity within the promotion period.

• Chexy, Neobanc and Wealthsimple referral rewards are separate partner offers, provided by those platforms.
• Partner rewards are subject to each partner’s own terms, eligibility requirements and program restrictions, which may change at any time.

• Chexy, Neobanc and Wealthsimple are independent third-party companies and are not responsible for, sponsors of, administrators of, or parties to this PaySmarter promotional offer, unless expressly stated otherwise. The PaySmarter bonus is offered and administered solely by PaySmarter.
• Any referral bonuses, rewards, account-opening requirements, eligibility requirements, payment requirements or other benefits provided directly by Chexy, Neobanc or Wealthsimple are separate from the PaySmarter promotion and are subject to the applicable terms and conditions of those respective companies.
• PaySmarter is solely responsible for determining eligibility for and administering the PaySmarter bonus. Questions concerning a platform’s own products, services, referral program, rewards or account eligibility should be directed to the applicable platform.

• PaySmarter bonuses are paid by Interac e-Transfer after eligibility has been verified.
• The eligible bonus is sent to the email address associated with the promotion registration. You are responsible for accepting the e-Transfer before it expires; unaccepted transfers may be cancelled and reissued at PaySmarter’s discretion.
• PaySmarter reserves the right to verify qualifying activity before issuing a bonus, and to request reasonable proof of qualifying sign-ups and payments.
• Activity that is failed, cancelled, reversed, refunded, duplicated, fraudulent or otherwise invalid does not qualify, and any bonus paid in connection with such activity may be reclaimed.
• PaySmarter may modify, suspend or terminate the promotion at any time, including where required by a partner program’s restrictions or where a partner program’s terms change.