Not your average chequing account
4.3 ★
on Trustpilot
4.8 ★
on App Store
4.8 ★
on Google Play
The chequing account that pays up
Earn interest on major currencies
No pay-in terms, no deposit limits. Beat other providers who give you nothing on your everyday balance.1
Send money with Interac e-Transfer® for free
Unlimited transfers to any Canadian bank, easy. Add money with Interac e-Transfer Autodeposit for free too.1
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
Every bill, one account
Set up automated billing and repeat payments for rent and utilities, no matter what country they're in.
Simply convenient
Share spending with family
Split any bill or check instantly
Separate and organise money
No plans, all premium
No fee to sign up
Your account is free to open, and we don't charge a monthly feeHold 40 currencies for free
No conversion? No fee. And no foreign transaction costs eitherReal mid-market exchange rate
Unlike others, we never add anything to the exchange rate1Built-in security
Questions answered
A Wise chequing account is free to open, and there are no ongoing monthly fees. We charge fees when you send, spend or receive money if there's a conversion, to get a Wise card, or turn on interest. You'll always see our prices clearly.
For a full rundown of our fees, visit pricing.
Where you can use Wise depends on where you live. You can use Wise in most countries around the world if you open a chequing account in Canada.
A Wise chequing account supports over 40 currencies. You can hold, convert, spend and send these currencies, and receive payments from anyone else on Wise too.
You can receive money in 51 currencies from anyone else on Wise. You can receive money from others not on Wise in 23 currencies.
Wise Payments Canada Inc. is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Service Business (MSB) with registration number M15193392. Wise is also a registered payment service provider with the Bank of Canada. Additionally, it is licensed as an MSB in Quebec with Revenu Québec under licence number 902804.