Account economics
Record the actual rate tier, promotional days, fallback rate, annual plan cost and likely withdrawal or transfer costs.
FCAC: savings accountsUse current inputs
Verify the account before entering the numbers.
FCAC says to compare the regular rate after an introductory period, transaction fees, minimum balances and access. Protection depends on the exact institution, product, category and arrangement.
Service and protection
Confirm how money is accessed and which deposit-insurance arrangement applies instead of relying on a logo or generic label.
FCAC: choosing an institutionCurrent Wealthsimple terms
If considering its chequing account, check the product, pricing and legal arrangement directly before a referral review.
Current chequing page · Account agreementCompare one full year of net value.
Use annualized rates from current terms. Promo days receive the promo rate; remaining days receive the base rate. Costs are subtracted. This is a simple-interest planning estimate, not provider-calculated interest.
Account A
Account B
Account A estimated net value—
Account B estimated net value—
The estimate excludes compounding, changing balances, tax, holds and provider-specific daily calculations. It does not verify eligibility or guarantee interest.
Separate the money job from the referral.
Complete every boundary. The result can route away from the commercial path. Answers remain in this browser.
Bremo may receive a personal referral benefit only if a visitor independently passes the separate referral conditions and provider requirements. A plan, explainer open or provider handoff is not an account, funded account, paid conversion or revenue.
Decision sequence
Use the same order every time.
This keeps a temporary rate or referral from substituting for product fit.
Name the money's purpose and when it must be available.
Enter verified promo, base and cost terms for one comparable year.
Check transfer, cash, cheque, branch and support dependencies.
Verify the legal product and deposit-protection arrangement before funding.
Commercial disclosure: Bremo is independent and is not Wealthsimple. The qualified review path leads to Bremo's reviewed personal-referral explainer. Provider terms control product, account, referral, funding and payout eligibility. Educational information, not financial, investment, tax or legal advice.