Pricing
Community Credit is on every plan, including the free one.
Your score, your circles and your savings do not sit behind a paywall. A credit file you cannot build for free is not a credit file, it is a subscription. Paid plans widen what you can report and what you can share.
Free
The wallet, transfers, savings and a limited Credit ID.
- The wallet and the stablecoin wallet
- Send money, Wiremi to Wiremi is instant and free
- Savings goals and locks
- Join and run savings circles
- Community Credit, in full
- Limited Credit ID detail
Passport
Most chosenThe full credit file, activity tracking and a shareable Verify record.
- Everything in Free
- Full Credit ID with the complete factor breakdown
- Activity tracking across every source
- Shareable Verify record for lenders and landlords
- Cross-border credibility
Premium
Higher limits, advanced savings tools and priority service.
- Everything in Passport
- Credibility optimisation
- Advanced savings tools
- Higher limits
- Priority service
Billed from your wallet or a card. Cancelling is a flow in the app, not a support ticket, and your plan runs to the end of the period you already paid for. Prices are in Canadian dollars in Canada, and in US dollars everywhere else.
On every plan
The things that build the file are free.
Circles, savings, transfers and Community Credit itself work on the free plan in full. We would rather you build the record first and decide about a plan later.
Community Credit
The full score, all four sources, every tier and the whole trajectory.
Savings circles
Join one, start one, run it, invite members and vote on changes.
Savings goals
Open, Normal Block and Safe Lock, with every term and preset.
Wiremi to Wiremi
Instant transfers between accounts, with nothing held back.
Other costs
Charges that are not a subscription.
Everything with a price attached, in one place. Each of these is quoted on screen before you commit to it.
Wiremi to Wiremi
Free
Instant, and nothing held back from the amount.
Between your own profiles
Free
Personal to business and back, at no charge.
Cross-border transfer
Quoted per method
The fee and the arrival time are shown before you send.
Circle Credit rate
Capped by tier
12.0% at Anchor, up to 22.0% at Emerging. Wiremi sets it and nobody negotiates.
Early savings termination
Fee, shown up front
Safe Lock cannot be terminated at all, that is the point of it.
Being checked on Verify
Free
The lender or landlord pays. Declining costs you nothing either.
Questions people actually ask
- Do I need a paid plan to build Community Credit?
- No. The score works in full on the free plan, and so do circles, savings and transfers. Paid plans widen what you can report and what you can share through Verify.
- What about Wiremi Verify?
- Verify is a separate service with its own pricing, for the lenders and landlords doing the checking rather than for you. Being checked costs you nothing. Verify pricing.
- How do I cancel?
- In the app, as a flow. You are asked once to confirm, and the plan runs to the end of the period you already paid for.
- Can I pay yearly?
- Yes, and paying yearly takes 15% off the monthly price: $101.90 a year on Passport and $203.90 a year on Premium.
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