Simplii Financial customer service is available by phone and live chat during extended business hours. The main phone number is 1-888-723-8881, available Monday to Friday 8:00 AM to midnight ET and Saturday to Sunday 8:00 AM to 8:00 PM ET.
Simplii does not offer 24/7 phone support. For urgent after-hours situations, lock your card in the app and call when service opens.
Simplii Financial Contact Information
| Channel | Contact | Hours |
|---|---|---|
| Phone (main) | 1-888-723-8881 | Mon–Fri 8:00 AM–midnight ET; Sat–Sun 8:00 AM–8:00 PM ET |
| TTY / TDD | 1-877-909-0889 | Same as phone hours |
| Live chat | simplii.com or app | Same as phone hours |
| Secure message (in-app) | Simplii app → Messages | 24/7 submission; replies during service hours |
| Social media | @SimpliiFinancial | Not for account inquiries |
Simplii vs Competitors: Service Hours
| Bank | Weekday Phone | Weekend Phone | 24/7? |
|---|---|---|---|
| RBC | 24/7 | 24/7 | ✓ |
| TD | 24/7 | 24/7 | ✓ |
| CIBC | 24/7 | 24/7 | ✓ |
| Scotiabank | 24/7 | 24/7 | ✓ |
| BMO | 24/7 | 24/7 | ✓ |
| Simplii Financial | 8 AM–midnight ET | 8 AM–8 PM ET | ✗ |
| Tangerine | 8 AM–midnight ET | 9 AM–6 PM ET | ✗ |
| EQ Bank | 8 AM–midnight ET | 9 AM–6 PM ET | ✗ |
Simplii’s weekend hours (8 AM–8 PM) are slightly broader than EQ Bank and Tangerine (9 AM–6 PM), but all three online banks share the same limitation: no 24-hour emergency phone line. The Big Five all maintain 24/7 phone lines, which is the primary service disadvantage of digital banking.
What You Can Do Without Calling
Most Simplii account management is fully self-serve:
| Task | Self-Serve |
|---|---|
| Account balances and history | ✓ (app or web) |
| Interac e-Transfer | ✓ |
| Bill payments | ✓ |
| Mobile cheque deposit | ✓ |
| CIBC ATM cash/cheque deposit | ✓ |
| Link external account | ✓ |
| Card lock/unlock | ✓ (app → Manage Cards) |
| Void cheque / direct deposit form | ✓ (Account Details) |
| Open TFSA or RRSP GIC | ✓ (online) |
| Credit card management | ✓ (Simplii app) |
| After-hours urgent card issue | Lock via app; call next business day |
Lost or Stolen Simplii Card: Step-by-Step
- Open the Simplii app → go to Manage Cards → toggle to Locked immediately
- Review recent transactions for any unauthorised activity — note amounts, dates, and merchants
- Call 1-888-723-8881 during service hours to formally report the card and initiate a dispute if needed
- Request a replacement card — typically delivered within 5–7 business days
- For fraudulent charges, Simplii will open a chargeback or dispute on your behalf
Note: Simplii vs CIBC Customer Service
Simplii is a CIBC division, but the customer service operations are separate:
| Scenario | Correct Contact |
|---|---|
| Simplii chequing or savings question | Simplii: 1-888-723-8881 |
| Simplii Cash Back Visa question | Simplii: 1-888-723-8881 |
| CIBC chequing or credit card question | CIBC: 1-800-465-2422 |
| Lost Simplii debit card (after-hours) | Lock in Simplii app; call Simplii next day |
CIBC branch staff generally cannot assist with Simplii account management, and CIBC’s 24-hour line is for CIBC account holders. Using the CIBC line for Simplii issues will typically result in a referral back to the Simplii number.
Complaint Escalation
| Step | Contact | When |
|---|---|---|
| 1 | Phone 1-888-723-8881 or live chat | First contact |
| 2 | Simplii written complaints team (via secure message) | If phone/chat unresolved |
| 3 | OBSI: 1-888-451-4519 / obsi.ca | Independent; free; after final response or 90 days |