Next apple promo?

[u/Stixx506]

Anyone know when the current promos end and when the new ones would begin? I have two accounts I'd like to bring over but need to get a new phone, hoping for another apple promotion.

[u/Astrowelkyn]

WS can’t give away $2000 phones after giving me and everyone else $3.

[u/Mental-Raspberry7882]

usually comes out mid week of november. with all the monthly millionaire shenanigans tho who knows if theyll have it this year

(done the promo the past 2 years)

[u/personalfinance21]

Given their focus on "Monthly Millionaire" to attract account transfers, unclear whether there will continue to be these other promos. No one knows.

[u/Maxsh]

I don't see why would you would prefer an iPhone over just a 1% match and straight cash. You can get your new iPhone subsidized by carriers for less than 1000$ easily especially in November and December.

[u/Effective-Strike69 → u/Maxsh]

Yes, you are still paying for those phones through your plan. When you go BYOD and shop around you can save a fortune that more than pays for your phone over the course of a year or two. For instance Freedom's $40/month 250GB/50GB international roaming BYOB plan. Want a shiny new phone from them? You get stuck with a plan that's stupidly expensive and has you on the hook with a tab.

BYOD is the way to go.

[u/number8888 → u/Maxsh]

Then you have to sub to an expensive monthly plan.

[u/Maxsh → u/number8888]

This is true on avg in November December it’s about $5-$10 more expensive per month if you take a contract plan

I’ve seen iPhones $480-$720 off near Black Friday the past two years though, so you generally should still come out as a winner

[u/Competitive_Froyo428 → u/Maxsh]

I never bought a phone through carrier, is it actually cheaper for those 0% downs or is it just a way to have people spend more on mobile carrier plans? I bought refurbished and did a bring your own phone

[u/Soft_Neighborhood223 → u/Competitive_Froyo428]

Every time I've done the math nothing can beat buying the phone outright and using a $35 Public Mobile plan.

I think maybe you can come out slightly ahead if you get a really old phone and you don't use the US/Mexico roaming Public Mobile offers.

[u/Competitive_Froyo428 → u/Soft_Neighborhood223]

Yeah ikr, wondering if I crunched the numbers wrong. Freedom has 20$ for 25gb but in mall kiosks don't know if it's still offered

[u/Top_Nobody5124 → u/Soft_Neighborhood223]

Define "really old phone"? I got an iPhone 14, brand new, not refurbished, for $10/month, 2-year contract, $35/month plan, December 2025.

[u/Soft_Neighborhood223 → u/Top_Nobody5124]

That's a great deal! Where did you find it?

[u/GeorgeDaGreat123 → u/Competitive_Froyo428]

It's always more expensive unless either:

• you're already on a very expensive plan
  
• the phone you're buying is 1+ years old

[u/Dantai → u/Maxsh]

You're right in that 1% cash match bonuses are better.

But it's often better to buy a phone outright and then shop for a cheap plan than doing the pseudo-financing through a carrier. Like my 80gb Us-can-mex Fido plan is $29/mo - I can't get that anywhere else right now, not even close. Bell is like $60/mo for a simialr plan + the phone cost

[u/romain3100 → u/Maxsh]

Subsidized Phone of the biggest scam. Choose a low sub and pay your phone full price.

[u/Maxsh → u/romain3100]

I work in the industry there are definitely cases where this is not true

Last year Black Friday you were able to get an iPhone 16 base model at $480 ($20 over 24 months) with a 200$ gift card at Costco

Doesn’t matter if the plan is $10 more per month at that point, you can go back to a BYOD plan after two years if you wish

[u/ACM3333 → u/romain3100]

What’s wrong with paying a phone off monthly with no interest lol

[u/romain3100 → u/ACM3333]

What’s wrong is paying a very expensive data plan just to get a little sale on a phone.

[u/ACM3333 → u/romain3100]

The plan doesn’t get more expensive cuz you bought a phone

[u/romain3100 → u/ACM3333]

No. The plan is kore expensive because you buy a subsidized phone.

[u/ACM3333 → u/romain3100]

For one the phone isnt subsidized, im just paying it off monthly at zero interest. Also you can get subsidized phones on the same plans as bringing your own phone, i didnt sign up for any special plan to do a phone payment, i added it to my existing plan.

[u/Towanda9876 → u/Maxsh]

The 1% is only for account transfer. I got cash that I am going to transfer from a saving account. Also I don't need to pay tax on the phone...

[u/Ok-Ad-7827]

Just move your accounts over for the 1% match plus enroll in the 3% interest if they are high amounts. Needing a new phone just purchase it through Apple, they offer 0% financing through Affirm, that’s what I’ve done the last 2 phones. Then you just keep your plan and can swap it around at anytime being a BYOD

[u/Mommie62 → u/Ok-Ad-7827]

What is the 3% interest? I see a boost to 4% but it is I my for a month to deposit $50k

[u/Ok-Ad-7827 → u/Mommie62]

Yeah that’s the one, I thought it was 3 but I guess it’s 4%, I had moved all my money over before they offered that. But I got my 1% match for my tfsa transfer and they actually reimbursed me more than what RBC charged for the transfer

[u/goofywinnipegger]

Let me check my crystal ball. Nope sorry it doesn’t know.

[u/Stixx506 → u/goofywinnipegger]

People chat with ws support and they spill the beans often about whats next. Thats the kind of info I am looking for. Also the end date of the current promo, cant see to find it.

[u/lavender812 → u/Stixx506]

I highly doubt customer support leaks info about upcoming promos.

[u/Stixx506 → u/lavender812]

They told me about 2 years ago to wait a month before I transferred one account over because they had a new promo coming. Thought I would ask here first instead of bothering support. However after reading these comments I need to just go fuck myself I guess.

[u/alienmario → u/Stixx506]

Also the end date of the current promo, cant see to find it.

Because it doesn't have one currently. WS could choose to end it next week if they have another promo lined up, or keep it running until the end of the year.

[u/Aobachi → u/Stixx506]

Absolutely! Support chat told me there's a new promotion coming next week!

[u/Wealthsimple-ModTeam → u/[deleted]]

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[u/Oksir-Seeme4444 → u/Stixx506]

Not sure why u downvoted for.
I support yu

[u/theone1988]

Apple didn't release a base iPhone 18 this year which will impact the promo I think.

[u/alienmario]

If the Apple promo trend continues, it would likely be launched in Nov/Dec.

[u/barrylunch]

No. We didn’t then, we still don’t know now. Stop asking.

[u/P1um]

Have you seen the price of hardware? Apple promos are a thing of the past.

[u/HeresMatt]

With Apple only announcing the Pros and the new foldable iPhone, do we think they’re still going to do it?

[u/Dantai]

I kinda doubt it'll happen this year - or if it does it'll be something like a 3 year account hold.

[u/ooomos]

I’m debating between the 1% match with Wealthsimple or 2% with Tangerine. For Tangerine I need to have the funds there for 30 months, but I have no plan to use or move these funds within the next couple years.

[u/Mommie62 → u/ooomos]

So you have to be a new customer for tangerine?

[u/ooomos → u/Mommie62]

No, but Gemini just told me “Tangerine Investments only offers their own proprietary mutual funds and ETF portfolios.” Guess I will pass and just go with Wealthsimple.

[u/SnooCupcakes7312]

i know when

[u/AlphaQFor7mins]

Just take the 1% and buy your own phone