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BANKING • Jan 22, 2026
Scotiabank Startright is a program to help newcomers and international students get chequing accounts, credit cards, and more.
BANKING • Jan 27, 2026
Compare the best children's savings accounts in Canada, including Tangerine, Scotiabank, and RBC. Find accounts with high interest, no fees,...
PERSONAL FINANCE • Dec 22, 2025
A T1 General Form is Canada's main income tax document. Learn what it is, who needs it, how to fill it out, and how to get your copy from th...
PERSONAL FINANCE • Dec 22, 2025
Discover the best grocery apps for Canadians: earn cash back, compare flyers, plan meals, and get delivery. Save money on groceries with the...
PERSONAL FINANCE • Dec 22, 2025
A T1 General Form is Canada's main income tax document. Learn what it is, who needs it, how to fill it out, and how to get your copy from th...
BANKING • Jan 22, 2026
Scotiabank Startright is a program to help newcomers and international students get chequing accounts, credit cards, and more.
BANKING • Jan 27, 2026
Compare the best children's savings accounts in Canada, including Tangerine, Scotiabank, and RBC. Find accounts with high interest, no fees,...
BANKING • Jan 27, 2026
Find the best bank account for kids in Canada. Compare CIBC Smart Start, Mydoh, Neo Youth, and more. No monthly fees, free transactions, and...
BANKING • Dec 8, 2025
Learn how to read a cheque in Canada. Decode cheque numbers, bank codes, transit numbers, and account details. Includes safety tips and frau...
BANKING • Dec 1, 2025
Find your bank's 3-digit institution number on cheques or statements. See the complete list for Canadian banks: BMO (001), RBC (003), TD (00...
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Banking
Investing
Loans
Mortgages
Personal Finance
Chequing
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Chequing
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Online Brokers
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Chequing
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333 financial products reviewed
Read our balanced reviews and side-by-side comparisons ‒ with objective Genius Ratings strictly based on product features.
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Banking
Insurance
Investing
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Mortgages
Personal Finance
INVESTING • Nov 14, 2025
CIBC Investor’s Edge has the lowest trading fee out of all the big 5 banks, plus extra discounts for students and active traders. We take a closer loo...
GC: $100BANKING • Jan 28, 2026
With the Coast Capital Free Chequing, Free Debit, and More Account, you'll get free unlimited day-to-day transactions** for no monthly fee.
GC: $125BANKING • Jan 28, 2026
The Coast Capital Elevate Chequing Account offers complimentary Coursera** access and identity theft protection, in addition to free unlimited e-Transfers, more included ATM transactions and a credit card rebate.
GC: $125BANKING • Jan 28, 2026
Get access to free ID theft protection and unlimited free e-Transfers with the Coast Capital Unlimited Chequing Account. It’s available in all provinces (except for Quebec) for a lower-than-average monthly fee, or $0 per month with the minimum balance**.
GC: $50BANKING • Jan 27, 2026
The Scotiabank Money Master Savings Account is a basic savings account. You'll earn interest on every dollar, pay no fees, and if you have a Scotiabank chequing account, get access to features like Bank The Rest and Pay Yourself First.
PERSONAL FINANCE • Jan 27, 2026
Saily eSIM gives you access to cheap data plans in over 200 countries, helping you save on roaming plans. Prices start as low as US$3.99 for a 7 day U.S. plan.
INSURANCE • Jan 27, 2026
Lions Peak Insurance is a brokerage that works with some of Canada's best names in industry to provide clients with a tailored life insurance policy t...
INSURANCE • Jan 27, 2026
Serenia Life Financial offers both term and permanent life insurance options for Canadians. You can read about these options and their pros and cons h...
LOANS • Jan 27, 2026
LoanConnect is a Canadian loan search engine that can get you an unsecured personal loan in minutes. With great ratings on both TrustSpot and the Bett...
PERSONAL FINANCE • Jan 27, 2026
Paymi is a cash back site that pays you to shop through their shopping portal. They don't have a lot of partners currently, but what they do offer is ...
GC: $100BANKING • Jan 28, 2026
With the Coast Capital Free Chequing, Free Debit, and More Account, you'll get free unlimited day-to-day transactions** for no monthly fee.
GC: $125BANKING • Jan 28, 2026
The Coast Capital Elevate Chequing Account offers complimentary Coursera** access and identity theft protection, in addition to free unlimited e-Transfers, more included ATM transactions and a credit card rebate.
GC: $125BANKING • Jan 28, 2026
Get access to free ID theft protection and unlimited free e-Transfers with the Coast Capital Unlimited Chequing Account. It’s available in all provinces (except for Quebec) for a lower-than-average monthly fee, or $0 per month with the minimum balance**.
GC: $50BANKING • Jan 27, 2026
The Scotiabank Money Master Savings Account is a basic savings account. You'll earn interest on every dollar, pay no fees, and if you have a Scotiabank chequing account, get access to features like Bank The Rest and Pay Yourself First.
GC: $100BANKING • Jan 27, 2026
There's not much better than unlimited free transactions, but the Scotiabank Preferred Package comes packed with even more perks to seal the deal. These include a bonus interest rate on the top Scotiabank savings account, a first year annual fee waiver on select cards, and points on every day purchases with the Scene+™ program.
GC: $40BANKING • Jan 27, 2026
The Tangerine Chequing Account is one of the best no fee chequing accounts around. Get unlimited transactions, all the Interac e-Transfers you need, and earn an interest rate of up to 0.1% on your balance, rare for a chequing account.
BANKING • Jan 27, 2026
The Motive Savvy Savings Account has one of the best high interest savings account rates in Canada, unlimited transactions and e-Transfers, and free u...
BANKING • Jan 27, 2026
The TD Student Chequing account is designed for students, featuring unlimited transactions, overdraft protection, extra Starbucks points and no monthl...
BANKING • Jan 27, 2026
The RBC High Interest eSavings account offers a flat 0.65% interest rate, along with a special promotional rate of 4.7% for the first three months aft...
GC: $40BANKING • Jan 27, 2026
The Tangerine Savings Account starts you out with a bang - 4.5% for the first 5 months. And if you happen to have a Tangerine Mastercard, you'll unlock a 3rd bonus category simply by getting your cash back deposited in your Tangerine Savings Account.
INSURANCE • Jan 27, 2026
Lions Peak Insurance is a brokerage that works with some of Canada's best names in industry to provide clients with a tailored life insurance policy t...
INSURANCE • Jan 27, 2026
Serenia Life Financial offers both term and permanent life insurance options for Canadians. You can read about these options and their pros and cons h...
INSURANCE • Jan 8, 2026
TD life insurance provides a handful of options for Canadians who like having a big bank back their insurance coverage. They offer 3 types of term ins...
INSURANCE • Jan 5, 2026
Should you get TD travel insurance? Here's the type of insurance coverage you can expect from one of the biggest banks in Canada – and how it compares...
INSURANCE • Jan 5, 2026
With instant quotes, an array of options, 30 day refunds, and different types of life insurances, Sun Life Go covers most of the bases. But is this th...
INSURANCE • Dec 5, 2025
Get travel insurance up to 25% cheaper with SoNomad. Coverage for Canadian residents, Super Visa holders, students, and visitors to Canada.
INSURANCE • Nov 14, 2025
Trupanion pet insurance is one of Canada's biggest pet insurance companies. You can get coverage for medications, illnesses, and much more. Check out ...
INSURANCE • Nov 14, 2025
Allstate Landlord Insurance, also known as Allstate Rental Insurance, is a comprehensive offering that can help you protect your valuable investment p...
INSURANCE • Nov 14, 2025
Cover all your condo essentials with The Co-Operators condo insurance. With 2 types of coverage to choose from – prestige or classic – you get flexibi...
INSURANCE • Nov 14, 2025
Aviva condo insurance will give you comprehensive coverage for your condo – plus bonus discounts so you can save money on your condo insurance premium...
INVESTING • Nov 14, 2025
CIBC Investor’s Edge has the lowest trading fee out of all the big 5 banks, plus extra discounts for students and active traders. We take a closer loo...
INVESTING • Jan 27, 2026
Tangerine GICs provide consistently competitive rates. When coupled with the fact that they have no minimum investment amount, this makes this a legitimate investment option for small budgets or nervous investors.
INVESTING • Jan 27, 2026
BMO offers many lower-risk Canadian GICs from blue chip GICs to top-performing portfolios, as well as U.S. GICs, cashable, non-redeemable, and market-...
INVESTING • Dec 12, 2025
Tangem is a physical crypto wallet and mobile app with high security standards and private, offline key generation. It supports over 16,000 cryptocurrencies.
INVESTING • Dec 8, 2025
With VirgoCX, you can buy and sell cryptocurrencies with no maker or trader fees. Plus VirgoCX doesn't charge any fees for depositing or withdrawing from your account.
INVESTING • Dec 1, 2025
Questrade is one of Canada's top online investment platforms. With very low fees, including no-fee ETF trading, commission-free stock trades, and plenty of investment types, Questrade just about covers it all.
INVESTING • Nov 14, 2025
Compare the features of TD mutual funds in Canada to see if they are the right investment option for you.
INVESTING • Nov 14, 2025
Thinking about how best to invest your hard earned money? Have you heard of robo advisors, but aren’t quite sure what they are or why they’re useful? ...
INVESTING • Nov 14, 2025
Justwealth is a top notch robo-advisor, offering low fees and a variety of different portfolios.
LOANS • Jan 27, 2026
LoanConnect is a Canadian loan search engine that can get you an unsecured personal loan in minutes. With great ratings on both TrustSpot and the Bett...
GC: $100LOANS • Jan 27, 2026
Spring Financial Loans offers loans with an APR as low as 9.99%. You can get a loan of up to $35,000 and pay no penalties if you prepay early.
LOANS • Jan 8, 2026
The Scotiabank personal line of credit offers between $5,000 and $75,000. Interest rates are lower than credit cards, and you get a Visa access card f...
LOANS • Oct 11, 2024
RBC’s line of credit (“the “Royal Credit Line”) offers unsecured and secured personal credit starting at $5,000 with relatively low interest rates and...
LOANS • Oct 8, 2024
Started in 2009, Cashco advertises themselves as a banking service for “underbanked Canadians,” offering service to people who do not qualify for loan...
LOANS • Oct 7, 2024
A Scotiabank personal loan is a good choice if you want a loan from a well-established institution, or if you prefer to keep all your financial dealin...
LOANS • Oct 7, 2024
An RBC personal loan can give you the funds you need for things like home renovations or consolidating debt. But with nearly no information online, ho...
LOANS • Oct 7, 2024
Fairstone offers personal loans to people with fair to good credit. But with high interest rates, are these loans worth it? We take a closer look at F...
LOANS • Oct 7, 2024
Read our Car Loans Canada review and learn more about their features, rates, eligibility criteria, and how they help Canadians get pre-approved before...
LOANS • Oct 7, 2024
Borrowell Canada is a personal loan lender that also offers credit score monitoring. If you're in a tricky financial situation, getting a personal loa...
MORTGAGES • Jan 27, 2026
If you’re in the market for a mortgage in British Columbia, the Coast Capital Closed Fixed Rate Mortgage is worth a look – offering competitive rates, a 120-day rate guarantee, and 1 to 10-year fixed terms to choose from.
MORTGAGES • Jan 5, 2026
If you have at least 20% equity in your home (or a 20% downpayment for a new home), you may be interested in a TD Home Equity FlexLine. This alternati...
MORTGAGES • Oct 2, 2025
RBC offers variable rate mortgages with average rates and no special features, to speak of. On the other hand, they do offer a number of flexible mort...
MORTGAGES • Sep 15, 2025
If you're looking for a new mortgage, to refinance your current mortgage, or to switch your mortgage lender, Breezeful might be able to help. This dig...
MORTGAGES • Dec 17, 2024
Short term open variable mortgages are a niche product that most lenders seem to offer. If you're in the market for this particular type of mortgage, ...
MORTGAGES • Oct 28, 2024
If you're in the market for a variable rate mortgage, you have 2 choices from BMO – one of the biggest banks in Canada. You could get a 5 year variabl...
MORTGAGES • Oct 28, 2024
With BMO mortgages, you get access to a full lineup of mortgages. Wheter you want fixed or variable rates, or an open or closed mortgage, BMO has plenty of different options for you to consider. Plus BMO offers a long 130 day rate guarantee.
MORTGAGES • Oct 28, 2024
If you’re looking to buy a house or renew your mortgage, you may be tempted by a variable rate mortgage. By taking the risk that your mortgage rate co...
MORTGAGES • Oct 28, 2024
If you’re diving into the turbulent world of buying a house (or just renewing your mortgage), you’re probably spending a lot of time thinking about mo...
PERSONAL FINANCE • Jan 27, 2026
Saily eSIM gives you access to cheap data plans in over 200 countries, helping you save on roaming plans. Prices start as low as US$3.99 for a 7 day U.S. plan.
PERSONAL FINANCE • Jan 27, 2026
Paymi is a cash back site that pays you to shop through their shopping portal. They don't have a lot of partners currently, but what they do offer is ...
PERSONAL FINANCE • Jan 27, 2026
On the surface, Buggy looks like an interesting delivery service with its slick website, and even slicker app. But once you scratch the surface, the s...
PERSONAL FINANCE • Jan 27, 2026
KOHO international money transfer is a quick and relatively cheap service for transferring money to people around the world, with excellent exchange rates.
PERSONAL FINANCE • Jan 27, 2026
If you’ve ever had an outstanding tax bill that you want to pay with your credit card, PaySimply may be just what you’re looking for. This third-party...
PERSONAL FINANCE • Jan 27, 2026
Rakuten (formerly Ebates) is a popular cash back site featuring over 700+ top retailers in Canada that give you cash back in your pocket for shopping ...
GC: $35PERSONAL FINANCE • Jan 27, 2026
HelloFresh offers delicious meal options with fresh, pre-portioned ingredients, eliminating the majority of the prep work. Optional add-ons like side dishes and desserts can easily complete your meals.
PERSONAL FINANCE • Jan 27, 2026
UFile lets you file taxes in Canada, starting at just $20.95 for UFile ONLINE. However, students and taxpayers with simple returns can use uFileFree f...
PERSONAL FINANCE • Jan 27, 2026
A Wise Business account lets you transfer funds internationally to more than 160 countries in over 40 currencies, with transparent fees for businesses...
PERSONAL FINANCE • Jan 26, 2026
With CoinTracker, you can get all your crypto-related taxes in one place. Track every type of crypto transaction easily and securely to make your tax filing simple.
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What makes moneyGenius different?
We champion Canadians by helping them save money with our comprehensive how-to guides, objective reviews, and financial tools ‒ always free for everyone.
How can I save money?
For many people who wish to do better with their finances, it’s an eternal question – and it may seem like you’ve heard it all before…
Should you, "Pay yourself first," by putting money into your savings account automatically with every paycheque?
What about the "50/30/20 budget rule," where 50% of your after-tax income is put towards your needs, 30% towards your wants, and 20% towards saving or paying down debt?
Maybe go with the "30-day rule" where you defer all impulse buying for 30 days and if at the end of that period, you still want a particular item, you give yourself permission to buy it. However, if you decide that the item wasn’t worth it, you take the money you would’ve spent on it and put it into savings.
Take the first step
The truth is, there’s no single hard and fast rule or strategy for saving money. You can use them all or create your own.
What matters is you do what fits your circumstances and aligns with your financial goals.
At moneyGenius, we’re committed to helping you find out for yourself what those goals are and then help you accomplish them through informative tips and thorough deep dives on those big and small financial topics that deserve a closer look.
So, how can YOU save money?
These are just 3 of the literally hundreds of ways to start your money-saving journey.
Helping people stretch their dollars is what we love to do ‒ and the best time to start saving is now.
After all, what have you got to lose?
When do I start saving money for retirement?
Right now. The amount of money you need for a comfortable retirement can feel monumental – unless you start learning how to save money early enough. So no matter how old you are right now, start making a plan to put a little bit towards your retirement every month. You can build this up into more complicated investment plans later. For now, start small and start soon.
What are the best ways to save money in Canada?
The best ways to save money in Canada mostly boil down to planning ahead.
Writing down that shopping list before heading out can help you avoid even the most delicious temptations. Comparing your price options online before buying from your go-to store can get you the same item for much cheaper. And finding the right credit card for your spending habits can exponentially increase your annual rewards.
Plan ahead, and you'll have a whole lot more money to plan with.
Why use moneyGenius?
moneyGenius (formerly HowToSaveMoney) is the product of over 12 years of publishing detailed financial guides for Canadians. We publish our financial product reviews and how to save money guides because financial knowledge should be accessible so you can save money without cutting back on what you love.
How are Genius Ratings calculated?
Every product we review for the Money Awards is compared against similar products on the Canadian market. To do so, we first break the product down into its core attributes (including fees, perks, and more) then give each a score out of 5 stars. Those scores are then averaged together to become the final Genius Rating.
What is GeniusCash?
GeniusCash is your extra cash back boost paid out via PayPal or Interac e-Transfer. Every time you apply ‒ and are approved ‒ for select financial products through the moneyGenius or creditcardGenius offers page, you should automatically earn up to $250 cash.
