No.
I would agree with you. There is no legislation at the moment to ban fees, yet Wealthsimple has chosen not to levy those fees.
Our execution is exclusively digital unless the other institution requires it, which is just a couple of percentages of the time. In terms of inbound transfers, 45% of the inbound transfers that we get are by fax, mail and paper cheque. We think that if other institutions want to use those outdated methods, they should be responsible for the cost, not their clients.