“Back home we did this in my street but abroad it’s hard to trust people. This felt familiar but organised. My payout came exactly on the date.”
“I missed doing ajo after relocating because coordinating people here is stressful. I joined this and didn’t have to remind anyone. It just worked.”
“In our church group circle, someone always pays late. Here my turn stayed the same. I used it to restock my small business.”
“I didn’t grow up with group savings so I was skeptical. After one cycle I realized it’s basically scheduled group saving. Very predictable and the best way to save because the group keeps you accountable.”
“I picked a payout date months ahead for travel planning and it landed exactly when promised. That certainty is what sold me.”
WeSpare works like a modern savings group: you join a circle with your preferred payout amount, choose your start and payout date, contribute a fixed amount regularly, and each member receives the full payout when it’s their turn.
The difference is that we structure everything, verify members, use automatic withdrawals, and most importantly, your payout is 100% guaranteed and always on time. No delays, no need to chase people anymore.
You have Public Circles with payout amounts starting from $250 CAD and go all the way up to $12,000 CAD.
Contributions start as low as $25 CAD per week to $1,000 every 2 weeks or month.
Circles range from 4 weeks to 12 months
Yes, WeSpare is a regulated entity operating in Canada as a Money Service Business no C100000437 with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) and the Bank of Canada. WeSpare does not hold your money directly; all contributions are processed and safeguarded in interest-free accounts with Canadian financial institution partners, helping ensure transparency and security at every step.
No. Your payout date stays fixed once you join.
The system covers missed payments, so you still receive your full payout on time.
Fees are spread equally across your contributions. You see the full breakdown before joining.
No. We do not charge interest. Your contribution fee covers our network, payment and platform fees in order to make the service available.
You can choose an earlier payout slot if available. You also unlock earlier payout positions by completing more circles successfully.
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