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W1 HISA Tiered Rates as of July 1 2026 | Wealth One Bank of Canada | Discussion forum

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W1 HISA Tiered Rates as of July 1 2026
June 30, 2026
1:44 pm
bryguy
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August 10, 2022
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I received an email today (June 30th, 2026) from WealthOne that starting tomorrow (July 1st, 2026) they will be introducing Tiered rates for their Non-Registered High Interest Savings Accounts.

It basically rewards higher rates for higher balances. Threshold to get a higher rate than what they are currently offering (2.60%) is $10,000. For myself this is great news as I have a balance (>$25,000) in their top tier rate of 3.00%.

On the negative side, providing less than 12 hours notice is pretty pathetic.

I am attaching a part of the email as a jpeg with the details.

Non-Registered HISA
First tier of 2.60% is up to $9,999.
Second tier of 2.75% is for $10,000 to $24,999.
Third tier of 3.00% is for $25,000+.

Registered HISA
Increasing to 3%, no minimum balance. No tiering.

June 30, 2026
4:14 pm
UkrainianDude
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November 19, 2022
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Trying to send funds from my Wealth Simple account to Wealth One. But after several successful attempts. Got this message: My Wealth Simple daily outbound sending limit is 50k Canadian rupees.
“Unsuccessful - Exceeds Receiving (Deposit) Amount daily limit (code 181). If you require further assistance, please call 1.866.392.1088 or email our technical support at Help@wealthonebank.ca.”
Couldn’t find Wealth One eTransfer receiving limits. Anyone?

June 30, 2026
4:39 pm
Dean
Valhalla Mountains, British Columbia
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UkrainianDude said
Trying to send funds from my Wealth Simple account to Wealth One. But after several successful attempts. Got this message: My Wealth Simple daily outbound sending limit is 50k Canadian Rupees . . .  

There's your problem, right there ⬆️

Send it in Canadian 'Denaros', and it'll work out just fine

    Dean sf-wink

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

June 30, 2026
6:29 pm
Bill
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Email I got referred only to registered RRSP HISA.

Short notice is unusual, maybe they've got a sudden need for deposits.

June 30, 2026
7:46 pm
AltaRed
BC Interior
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Bill said
Short notice is unusual, maybe they've got a sudden need for deposits.  

Or it is not a good omen when an institution has to pay a premium (interest rates) for its borrowings.

June 30, 2026
10:52 pm
Norman1
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Savings account rate changes usually have no notice period.

The tiered HISA rates are for everyone and are not targeted. See Non-Registered High Interest Savings Account Rates.

June 30, 2026
11:11 pm
Norman1
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UkrainianDude said

Couldn’t find Wealth One eTransfer receiving limits. Anyone?

Only found WealthONE's sending limits under Account service fees:

Item
Limit
Outbound Interac e-Transfer 24-hour Maximum $10,000 (in increments of up to $3,000)
Outbound Interac e-Transfer® Weekly Maximum $10,000
Outbound Interac e-Transfer® Monthly Maximum $20,000
Electronic Funds Transfers [EFT] $100,000 outbound to linked account
(in increments of up to $10,000)
Bill Payment $10,000 per payment
Payment to CRA $10,000 per payment
July 1, 2026
4:37 am
hwyc
GTA
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September 30, 2017
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W1's website is updated this morning. The tier rates are for non-registered accounts. RRSP-HISA is now 3%. whereas TFSA-HISA and Business-HISA is still 2.6% and 0.5% respectively.

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