Fees & pricing
With VestAccrue you know the possible costs before you trade. We clearly state the minimum first deposit, the main fees, trading costs, and the conditions for deposits and withdrawals. No monthly subscription, no hidden charges: every applicable fee is shown for your confirmation before a transaction is executed.
Choose the plan that best matches your needs and the features you want. All amounts are in Canadian dollars, and every plan includes the core platform, the AI-assisted automation and a personal account manager.
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An account manager will call you within 24 hours.
Compare the three plans
Basic, Advanced and Premium differ in thresholds and service level, not in core safety features.
| Feature | Basic | Advanced | Premium |
|---|---|---|---|
| Recommended for | Those just getting started | More experienced traders | Users with the highest transaction volume |
| Initial deposit | Minimum starting capital: C$350 | From C$2,000 | From C$6,800 |
| Market monitoring | ✓ | ✓ | ✓ |
| AI-assisted tools | ✓ | ✓ | ✓ |
| Market alerts | Standard | Advanced | Custom |
| Analytics resources | Essentials | Advanced | Full access |
| Learning materials | ✓ | ✓ | ✓ |
| Support | Online | Priority | Individual |
| Personal manager | ✓ | ✓ | ✓ |
| Priority service | — | ✓ | ✓ |
| Monthly fee | C$0 | C$0 | C$0 |
| Platform access | ✓ | ✓ | ✓ |
Note: we do not charge a monthly fee for platform access. The amount stated in each plan is the initial capital allocated to trading activity, not a membership or subscription fee. Trading commissions and other applicable costs are disclosed separately below.
Core fees
| Cost type | Fee / cost |
|---|---|
| Account opening | Free |
| Account maintenance | Free |
| Custody of funds | Free |
| Trading commission | Up to 0.58% per transaction |
| Currency conversion | Up to 1.50% |
| Forex spread | From 0.8 |
| Inactivity fee | Free |
The applicable fee is disclosed before you confirm a trade. Spreads can vary by asset, liquidity, volatility and current market conditions.
Additional costs
| Additional cost | Description |
|---|---|
| Public network fees | May apply to transactions with cryptocurrency assets, charged by the network itself. |
| Payment provider fees | May be charged by a third-party payment provider. |
| Currency conversion | May apply when operating in a currency different from your account currency. |
| Asset- or service-specific costs | May be applied by brokers or other partners depending on the chosen asset or service. |
All applicable fees, if any, are displayed before you confirm a transaction. VestAccrue does not apply hidden charges.
Service fee and spread, in practice
The trading commission (up to 0.58% per transaction) is the platform's compensation for execution. The spread is the difference between the buy and sell price of an asset; it fluctuates with market conditions and is visible on the order preview before you confirm. Forex positions carry a spread from 0.8, and currency conversion applies only when you trade an instrument in a currency other than your account currency.
Deposits and withdrawals
Deposits and withdrawals by Interac e-Transfer, Visa, Mastercard, PayPal, Apple Pay and Google Pay are free of platform charges. Third-party costs, where they exist, are listed in the additional costs table above. Full method-by-method details and processing times are on the Deposit & Withdrawal Methods page.
Timelines and limits
e-Transfer and PayPal withdrawals are normally processed within 24 hours on business days; card withdrawals take 1 to 3 business days and wallet-initiated withdrawals up to 1 to 5 business days, depending on your bank. Withdrawal requests are subject to daily and monthly limits appropriate to your verification level, which your account manager can review with you at any time. First withdrawals typically take longer than later ones because payment method ownership is verified once, then cached.
Important notes
Plan minimums (C$350 / C$2,000 / C$6,800) refer to initial trading capital, not payments to us. We do not earn anything from monthly fees, inactivity fees or account maintenance; the platform's compensation comes from the disclosed trading commission. If a fee ever appears on a confirmation screen that contradicts this page, do not confirm the transaction: screenshot it and write to [email protected]. Trading involves risk, including the loss of the amount invested; fees are charged on activity, not on results.