How to activate your Wealthsimple Card (Prepaid Mastercard / Visa Credit Card)
Activate your Wealthsimple card (prepaid Mastercard / Visa credit card) online, in the app or by phone — what you need, step-by-step instructions and fixes if activation fails.
Quick answer: Activate your Wealthsimple Card (Prepaid Mastercard / Visa Credit Card) in the Wealthsimple app or by phone at +1 877-868-0854. Have ready: The Wealthsimple mobile app (the Visa credit card can't be activated from a computer); Your physical card. Use only wealthsimple.com or the official app, never a link sent by text or email.
What you need
- The Wealthsimple mobile app (the Visa credit card can't be activated from a computer)
- Your physical card
Activate your Wealthsimple Card (Prepaid Mastercard / Visa Credit Card) online
- Wealthsimple cards are activated in the mobile app, not on a computer
- Credit card: scan the QR code in the card envelope or use the app
- Prepaid card: activate in the app, set a PIN, then do a balance check or withdrawal at an ATM to sync the PIN
Activate in the Wealthsimple app
- Open the Wealthsimple app
- Choose to activate your new card (or scan the QR code in the envelope for the credit card)
- Follow the prompts and set your PIN
- Prepaid card: do one ATM transaction to sync the PIN
Activate by phone
Call +1 877-868-0854 (Number given in Wealthsimple's help centre for trouble activating the prepaid card) and follow the automated prompts. You will usually be asked for the card number and a piece of identity information such as the last four digits of your SIN or date of birth.
After you activate
- Add funds before spending (prepaid)
- Add the card to Apple Pay or Google Pay; the virtual card works as soon as your chequing account is open
- Set up alerts
If your Wealthsimple (prepaid issued by Peoples Trust Company; credit card issuer per card agreement) card won't activate
- Trying to activate the credit card on a laptop: Wealthsimple says it's app-only
- PIN not working in store: sync it with an ATM balance check first
- Prepaid card won't activate: call +1 877-868-0854
Wealthsimple Card (Prepaid Mastercard / Visa Credit Card) activation FAQs
How do I activate my Wealthsimple Card (Prepaid Mastercard / Visa Credit Card)?
You can activate it in the Wealthsimple app, at an ATM with your PIN. Online or in-app activation is usually fastest: sign in, choose the new card, and confirm the details requested.
Is there a phone number to activate a Wealthsimple (prepaid issued by Peoples Trust Company; credit card issuer per card agreement) card?
Yes — Wealthsimple (prepaid issued by Peoples Trust Company; credit card issuer per card agreement) lists +1 877-868-0854 for card activation (Number given in Wealthsimple's help centre for trouble activating the prepaid card). Only call numbers printed on your card, its sticker or wealthsimple.com.
Can I use my Wealthsimple (prepaid issued by Peoples Trust Company; credit card issuer per card agreement) card before activating it?
Generally no. A new card is blocked until it is activated, although some issuers activate a replacement automatically the first time you use it with your PIN, and some let you use a virtual card number in the app straight away.
Does activating a Wealthsimple Card (Prepaid Mastercard / Visa Credit Card) affect my credit score?
No. Activation is not a credit check. Any hard inquiry happened when you applied; activating simply switches the card on. Not activating a new account does not close it, so it can still appear on your credit report.
Why won't my Wealthsimple (prepaid issued by Peoples Trust Company; credit card issuer per card agreement) card activate?
Trying to activate the credit card on a laptop: Wealthsimple says it's app-only PIN not working in store: sync it with an ATM balance check first
Is it safe to activate my card online?
Yes, provided you are on the issuer's real website (wealthsimple.com) or official app. Type the address yourself rather than following links in texts or emails. Your bank will never ask for your full PIN or a one-time passcode by phone or text.
Wealthsimple (prepaid issued by Peoples Trust Company; credit card issuer per card agreement) cards we review
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
WealthsimpleVisa Infinite + 4297 1375 4861 5284 VALID THRU 09/32JORDAN TAYLOR Wealthsimple Visa Infinite + CardWealthsimple clients wanting simple 2% cash back |
C$240/yr | Unlimited 2% cash back on all purchases | None | None | $80,000 personal or $150,000 h… | — |
WealthsimpleVisa Infinite 1% beta 4729 4743 3368 0340 VALID THRU 02/31ALEX MORGAN Wealthsimple Visa Infinite 1% Card (beta)Wealthsimple clients wanting a no-fee card |
None | 1% cash back on all purchases | None | Optional: no-FX-fee can be… | $60,000 personal or $100,000 h… | — |
Sources: help.wealthsimple.com · help.wealthsimple.com. Steps change; if your screen looks different, follow the official instructions.