The RBC NOMI Find & Save account is one of the most unique savings accounts in Canada, taking the idea of automating your savings to the next level thanks to its predictive technology. NOMI will track the cash flow of your RBC chequing account and move over some extra cash it thinks you won't miss to your savings account automatically.
Something people may be concerned about is NOMI not being able to detect unexpected upcoming charges, leaving you to deal with overdraft charges. They do have automatic payment protection which will automatically move money back to your chequing account to cover an upcoming payment, but it won't be able to detect sudden debit purchases, so user discretion is advised.
RBC NOMI Find & Save features
Here's an overview of everything RBC NOMI Find & Save can give you as a savings account.
Why You Want It
Predictive technology funds your savings automatically + Protects against upcoming purchases.
Eligibility
- Be a resident of Canada
- Have an RBC chequing account
Provinces
ALL
Interest Rates
Any balance
0.2%
Features
# Of Free Transactions
0
# Of Free Interac E-Transfers
0
Max Promotion Rate
N/A
Welcome Bonus Value
N/A
Promo End Date
N/A
RBC NOMI Find & Save product rating: 3.9 stars
If you're looking to really automate your savings, the RBC NOMI Find & Save is a futuristic tool that will do all the thinking for you. By moving over up to $75 a day from your chequing to savings, NOMI will make sure you're always on top of your savings goals without you even having to think about it.
But with no way to access the money besides moving it to your RBC chequing account, plus not being able to adjust how much money is moved over automatically, this account can feel a bit restrictive for some people.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
The pros of RBC NOMI Find & Save
As a very innovative savings account, there's a lot to take notice of here.
Pros
Completely automate your savings
Everyone talks about setting up automatic transfers to your investments so you never have to think about it, but RBC NOMI Find & Save takes it to the next level by customizing just how much you can afford to move over for you. That way, you know the account is making sure you're not selling your future self short. It'll move over up to $75 per day based on your personalized transaction patterns it tracks in your RBC chequing account.
Payment protection helps cover upcoming costs
If needed, NOMI will also move money back into your chequing account (up to $1,000 per day) if it detects an upcoming cheque or pre-authorized payment that will put your account into overdraft.
Free to move money between your other RBC accounts
You don't have to worry about ever paying a fee to move your money from your RBC NOMI Find & Save to your connected RBC chequing accounts, no matter what they are or how much you send. And since it's an instant transfer, you can complete the transaction in a few seconds on your phone and be on your way.
The cons of RBC NOMI Find & Save
There are some areas of concern you should know about before diving into this savings account.
Cons
Low interest rate of 0.2%
Though this is a savings account, the low 0.2% interest rate makes it clear that the main attraction is the automation, not necessarily the return on investment. Right now, some of the best high interest savings accounts in the country are hovering around 5%.
Limited access to your money
You can only access your money by transferring it to your RBC chequing account. You're unable to make debit transactions or even Interac e-Transfers directly from the RBC NOMI Find & Save account, which can feel a little restrictive.
Unable to customize the automatic transfer amount
NOMI will determine how much it thinks you can afford to move to your savings account automatically, up to a maximum of $75 per day. This amount can't be adjusted manually, though you can choose to move over more at any time if you want to.
Payment protection doesn't protect against debit purchases
Though you can rest assured any pre-authorized debit or cheque will be taken care of by the automated payment protection feature, if you have to make a debit purchase or other instant transfer from your chequing account that's more than your balance, NOMI won't be able to move the money over in time. That said, it will automatically move money over to cover overdraft protection fees, so you won't get even deeper in a hole.
RBC NOMI Find & Save alternatives
Looking to see how this unique savings account stands up to others on the market? Here's an overview comparison:
 |  | |  | |
|---|---|---|---|---|
| Account | RBC NOMI Find & Save | Scotiabank MomentumPLUS Savings Account | Scotiabank Money Master Savings Account | EQ Bank US Dollar Account |
| Genius Rating | ||||
| Why You Want It | Predictive technology funds your savings automatically + Protects against upcoming purchases. | Get up to 4.75%* interest on your money + No monthly fees. |  $50 GeniusCash + Automatically save with every debit purchase through Bank The Rest. | Earn 2.5% interest + Send international money transfers using Wise. |
| Interest Rates |
|
|
|
|
| # Of Free Transactions | 0 | 0 | 0 | 0 |
| # Of Free Interac E-Transfers | 0 | 0 | 0 | 0 |
| Max Promotion Rate | N/A | 4.75% | N/A | N/A |
| Welcome Bonus Value | N/A | N/A | N/A | N/A |
| Promo End Date | N/A | See Issuer for Details | N/A | N/A |
| Open an account See more RBC products Compare | Open an account See more Scotiabank products Compare | I Want This Deal See more Scotiabank products Compare | Learn More See more EQ Bank products Compare |
FAQ
What is the RBC NOMI Find & Save?
The RBC NOMI Find & Save is an automatic savings account that analyzes your cash flow in your connected RBC chequing account to determine how much money you can safely put away in savings. It'll then automatically move the money over for you.
Can I change how much money NOMI saves per day?
No, you cannot manually adjust how much money NOMI ports from your chequing to savings account. There is a maximum of $75 per day and you can pause the payments for a set amount of time using the app.
How do I add money to my RBC NOMI Find & Save account?
You can transfer money from your RBC chequing account to your RBC NOMI Find & Save for free whenever you want by using the app or online banking portal. Just note the account can't accept Interac e-Transfers directly.
How to turn off RBC NOMI Find & Save transfers?
To turn off the automatic saving feature of RBC NOMI Find & Save, simply go to the "NOMI Find & Save settings" in your app, switch the pause toggle to on, and specify a date you'd like for the transfers to start up again.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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