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Not your average chequing account

Everyday essentials with game-changing interest. No monthly fees. Can your bank say the same?1
Open a chequing account for free

4.3 ★
on Trustpilot

4.8 ★
on App Store

4.8 ★
on Google Play

The chequing account that pays up

Unlike others, Wise is built to save you money internationally and earn interest at home.

Earn interest on major currencies

No pay-in terms, no deposit limits. Beat other providers who give you nothing on your everyday balance.1

3.14%
2.22%

Send money instantly with Interac e-Transfer®

Transfer money at home or abroad. 77% of transfers arrive in under 20 seconds, 96% in a day.11

Get paid around the world

Get more than just CAD. Wise gets you paid fast and for free, as if you had chequing accounts in the US, UK and more.1

One card, 150+ countries

Save up to 75% when you spend abroad, without any foreign transaction fees at all.1

Two overlapping green Wise debit cards.

Every bill, one account

Set up automated billing and repeat payments for rent and utilities, no matter what country they're in.

A person in a kitchen holding a phone while managing bills.

Simply convenient

Friends looking at a phone together and smiling
Share spending with family
Four people sharing a Wise account pot
Split any bill or check instantly
A woman scanning a QR code to pay a bill
Separate and organise money

No plans, all premium

Unlike banks, a Wise chequing account is global by default. And it's up to 45% cheaper on FX fees internationally.1
See our pricing

No fee to sign up

Your account is free to open, and we don't charge a monthly fee

Hold 40 currencies for free

No conversion? No fee. And no foreign transaction costs either

Real mid-market exchange rate

Unlike others, we never add anything to the exchange rate1

Built-in security

Safety checks on every transaction
24/7 fraud monitoring, 24/7 human support
Eligible for up to $100,000 CDIC insurance1
See how we're secure

Questions answered