At moneyGenius.ca, we want your financial future to be based on the cold, hard facts, and not some emotional, flashy attempt to sway your opinion. That’s why our rating methodology for every product we feature on our site 100% based on the features a product offers, which means we compare each product 1:1 with similar products on the market.
We let the numbers speak for themselves, and we never let our personal bias, financial partnerships or personal preference for a product get in the way of giving you the clear information you need to make the best decisions for you and your money.
New financial products arrive on the market all the time, and existing ones change as well. That's why we revisit these scores regularly during the year to make sure they are up-to-date, reflect your top concerns, and help you make the best decisions for your money.
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How we calculate our Genius Rating
For each product category, our financial experts created a list of essential features of that category. These include eligibility requirements, fees, special features, and any other factors that are important to consider when looking at that type of product.
These features are then automatically compared against all other reviewed products that fall in the same category using our proprietary algorithm, which evaluates all of these factors fairly and impartially.
Using that comparison, we give each feature a score out of 5 stars that's relative to how the product compares to others in the same category. Those scores are averaged together to get the final Genius Rating.
These features are re-evaluated each time the product is updated to ensure the rating remains accurate. We also do an annual validation of all products to make sure they're all looked at once a year at the very least.
Combine all the products in every category together, and you get 522 features compared across 397 products. That’s a lot of data to manage — but Canadians deserve the best and most unbiased ratings anywhere.
And did we mention we are unbiased?
We're incredibly proud of having the largest, unbiased rating system for financial products anywhere in Canada, and we hope you are too. In 2025, it's harder than ever to sort the truth from the noise, and we work tirelessly to give you the most accessible, plain-language guidance we can. It's what we've done for over a decade, and what we plan to do for many years to come.
How we evaluate product categories
Managing nearly 400+ products across 47 categories and 522 features is no small feat! Here’s how we measure and weight our ratings across our various categories of our products.
Banking
Chequing accounts
Chequing accounts are the workhorses of everyday banking, and we measure them by how well they balance cost with convenience. When we calculate our chequing account ratings, monthly fees are the obvious starting point, but the number of free monthly transactions, free Interac e-Transfers, and free unaffiliated ATM withdrawals in Canada all carry significant weight, since these features determine how much you’ll really pay once you start using the account day-to-day. Reviews from the Google Play Store and Apple’s App Store also factor in, giving us a clear picture of how smoothly you can manage your money through mobile apps.
Beyond the basics, we consider the tools and extras that make a chequing account more than just a place to put your money. Automatic budgeting systems can help track spending without relying on third-party apps, and the number of physical branches still matters for those who value face-to-face banking and teller service. Unique perks add extra points to the score, while unique drawbacks bring it down.
Finally, we weigh the fees that kick in when you go beyond the free limits of your banking plan. Excess transaction fees, Interac e-Transfer charges, and non-affiliated ATM fees (domestic, U.S., and international) all add up quickly if you’re not careful. Overdraft protection costs are also part of the equation, both monthly and per-use. By combining these cost factors with usability and features, we create a weighted ranking that highlights which chequing accounts actually deliver everyday value, and which ones may quietly chip away at your balance.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Minimum Balance To Waive Fee
15.4%
Maximum Credit Card Annual Fee Waiver
15.4%
Maximum Safety Deposit Box Annual Fee Waiver
15.4%
Credit Cards With Annual Fee Waiver
7.7%
Maximum Welcome Bonus
7.7%
Earn Rewards On Debit Purchases
7.7%
Minimum Interest Rate
3.8%
Maximum Interest Rate
3.8%
Free Cheques
3.8%
Free Bank Drafts
3.8%
Max Rebates For Other Accounts
3.8%
Discounts For Seniors
3.8%
Discounts For Youth
3.8%
Other Discounts
3.8%
Monthly Fee
57.6%
Excess Transaction Fee
14.4%
Excess Interac E-Transfer Fee
14.4%
Non-affiliated ATM Fee Within Canada
3.6%
Non-affiliated ATM Fee Within US
3.6%
Global Non-Affiliated ATM Fee
3.6%
Monthly Overdraft Protection Fee
1.4%
Overdraft Protection Fee
1.4%
Available in Quebec
30.8%
Unique Perks
30.8%
Unique Drawbacks
30.8%
# Of Free Monthly Transactions
2%
# Of Free Monthly Interac E-Transfers
2%
Physical Locations
2%
Automatic Budgeting System
1%
# Of Free Monthly Unaffiliated ATM Transactions In Canada
0.5%
Google Play Review
50%
Apple App Store Review
50%
Savings accounts
Savings accounts should help your money grow, be easy to use, and most importantly, not chip away at your growth with fees and charges. To evaluate the ratings for savings accounts. we start by looking at practical day-to-day features. The number of free monthly transactions and free Interac e-Transfers is key, since extra charges can quietly eat into your interest earnings. We also consider whether the account includes built-in savings goal tools — handy for setting aside funds for travel, emergencies, or big purchases.
Costs matter just as much as interest rates. We analyze monthly account fees, as well as transaction-related costs including debit fees, transfer charges between your own accounts, and Interac e-Transfer fees. A great savings account can lose its shine if every move costs you extra, so we give higher marks to providers that keep everyday banking affordable and transparent.
Finally, we weigh unique perks and drawbacks that set accounts apart. Some banks offer automatic round-up savings, bonus interest promotions, or no minimum balance requirements, while others might impose restrictions that limit flexibility. By combining usability, cost structure, and standout features with real-world user feedback, we build a weighted ranking that shows which savings accounts actually help you grow, and which ones might nibble away at your returns with unexpected fees.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Minimum Interest Rate
30%
Balance Required For Maximum Interest Rate
30%
Maximum Interest Rate
10%
Mid Interest Rate
10%
Balance Required For MidInterest Rate
10%
Max Promotion Rate
5%
Welcome Bonus Value
5%
Monthly Fee
50%
Transfer Fee Between User Accounts
25%
Debit Transaction Fee
12.5%
Interac e-Transfer Fee
12.5%
Available in Quebec
32.6%
Unique Perks
32.6%
Unique Drawbacks
32.6%
1%
1%
Savings Goal Ability
0.3%
Google Play Review
50%
Apple App Store Review
50%
Insurance
Car insurance
Car insurance isn’t just about getting the lowest premium. Instead, we rate our auto insurance products by their ability to provide coverage and features that actually meet your needs on the road. We drill down into the features that make policies more forgiving and flexible. Options such as ride-sharing coverage are becoming a must-have for drivers who moonlight with Uber or Lyft.
From there, conviction protection or ticket forgiveness can soften the blow of a speeding ticket, while disappearing deductibles reward safe driving with lower out-of-pocket costs over time. These perks don’t just add peace of mind. They can translate into serious savings if you actually need to file a claim.
Of course, not every insurer is perfect. Unique perks often come with unique drawbacks, and we highlight those trade-offs so you’re not caught off guard. By weighing real-world app performance, coverage extras, and provincial availability alongside the quirks and costs, we create a clear ranking of which car insurance providers offer real value, and which ones may leave you spinning your wheels.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Liability Insurance
7.1%
Accident Benefits / Bodily Insurance
7.1%
Comprehensive Insurance
7.1%
Emergency Road Service
7.1%
Uninsured Motorist Coverage
7.1%
Direct Compensation Property Damage
7.1%
All Perils
7.1%
Specified Perils
7.1%
Accident Forgiveness
7.1%
Replacement Value For Total Loss
7.1%
Family Protection
7.1%
New Vehicle Protection / Depreciation
7.1%
Loss Of Vehicle Use Endorsement
7.1%
Rented Or Borrowed Car Protection
7.1%
Available in Quebec
32.3%
Unique Perks
32.3%
Unique Drawbacks
32.3%
Ride Sharing
1%
Conviction Protection / Ticket Forgiveness
1%
Disappearing Deductible
1%
Google Play Review
50%
Apple App Store Review
50%
Condo insurance
Condo insurance is all about striking the right balance between protecting you and your unit, and keeping premiums reasonable. To come up with our ratings, we evaluate providers by looking at the fundamentals first: features that reflect the unique realities of condo living, as there are special considerations for claims that occur in a condo situation.
Homesharing coverage is a must for those renting out their space on short-term platforms such as Airbnb or Vrbo, while home-based business coverage can make all the difference for remote workers or small business owners. These extras turn a standard policy into one tailored to real-world lifestyles. Perks and drawbacks are carefully weighed here as well: some insurers offer innovative benefits or discounts, while others might impose restrictions that limit flexibility.
By weighing perks, drawbacks, coverage for modern living scenarios, and real user feedback, we create a clear picture of which condo insurance options go beyond the basics, and which ones might leave you unprotected when you need it most.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Personal Liability Coverage
7.1%
Personal Belongings Coverage
7.1%
Unit Improvements Coverage
7.1%
Additional Living Expenses Coverage
7.1%
Loss Assessment Coverage
7.1%
Common Area Damage
7.1%
Sewer Backup
7.1%
Overland Water
7.1%
Identity Theft
7.1%
Earthquake Coverage
7.1%
Student Property Coverage
7.1%
Full Hail Coverage
7.1%
Accidental Property Damage
7.1%
Water Protection
7.1%
Available in Quebec
32.6%
Unique Perks
32.6%
Unique Drawbacks
32.6%
Home-sharing Coverage
1.1%
Home-based Business Coverage
1.1%
Google Play Review
50%
Apple App Store Review
50%
Health insurance
Health insurance is one of those products you hope you never need, but when you do, the details matter more than anything else. We start our rating process by looking at the coverage options offered, as well as how flexible that coverage can be to fit your personal needs.
Travel coverage is a major perk for anyone who spends time abroad, while customization options let you build a plan that actually matches your needs instead of locking you into one-size-fits-all coverage. Plans that offer flexibility in tailoring benefits score higher, since they allow people to adapt as their health needs or life stage changes.
Finally, we evaluate the unique perks and drawbacks that set each insurer apart. Some providers add value with wellness benefits, bundled coverage, or enhanced preventive care, while others might impose strict conditions, exclusions, or limited networks. By balancing usability, coverage flexibility, and provider-specific trade-offs, we create a weighted ranking that helps you find health insurance that works when you need it most.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Dental
12.5%
Vision
12.5%
Paramedical
12.5%
Prescription
12.5%
Hospital Room Coverage
12.5%
Accidental Death And Dismemberment
12.5%
Short-term Disability
12.5%
Long-term Disability
12.5%
Available in Quebec
32.6%
Unique Perks
32.6%
Unique Drawbacks
32.6%
Travel Coverage
1.1%
Allows Customization?
1.1%
Google Play Review
50%
Apple App Store Review
50%
Home insurance
Home insurance is all about protecting what’s likely your biggest investment, but the value of a policy depends is more than just a lotw premium. We start by looking at coverage features, which play a big role in our analysis. Enhanced deductible waivers and first-claim forgiveness can save policyholders hundreds of dollars when unexpected events happen.
Home-sharing coverage is increasingly relevant for those renting out a room or property, while green coverage rewards environmentally friendly rebuilding or repair choices. These extras distinguish a strong, forward-looking policy from one that just checks the basic boxes.
Finally, we weigh the unique perks and drawbacks of each provider. Some insurers offer flexible add-ons, loyalty discounts, or bundled options that make coverage more appealing, while others might limit flexibility or exclude important scenarios. By combining user experience, coverage depth, and standout features, we build a weighted ranking that shows which home insurance providers deliver peace of mind, and which ones might leave critical gaps when you need coverage the most.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Liability Insurance
9.1%
Personal Valuables Coverage
9.1%
Actual Replacement Cost Of Home And Personal Belongings
9.1%
Full Sewer Backup
9.1%
Overland Water Coverage
9.1%
Hail Coverage
9.1%
Replacement Cost Guarantee
9.1%
Additional Living Expenses
9.1%
Home Security Savings
9.1%
Multi Home Savings
9.1%
Newly Built Home Savings
9.1%
Available in Quebec
30.1%
Unique Perks
30.1%
Unique Drawbacks
30.1%
Enhanced Deductible Waiver
2.4%
First Claim Forgiveness
2.4%
Home Sharing
2.4%
Green Coverage
2.4%
Google Play Review
50%
Apple App Store Review
50%
Landlord insurance
Landlord insurance protects more than just bricks and mortar. Essentially, you need a product that is designed to safeguard your assets and protect you from liability. Coverage features are first on the list in our ratings methodology. Protection for a landlord’s own belongings, such as appliances, furnishings, or other items kept in a rental unit, can add real value, while landlord legal protection helps cover the costs of disputes, evictions, or liability issues. These elements are especially important since rental property ownership brings a unique set of risks that go beyond traditional home insurance.
Finally, we balance the unique perks and drawbacks each provider brings to the table. Some insurers may offer flexible add-ons, bundled discounts, or enhanced liability coverage, while others might limit flexibility or exclude certain rental arrangements altogether. By combining user experience, coverage depth, and provider-specific pros and cons, we build a weighted ranking that highlights which landlord insurance options truly deliver peace of mind, and which ones may leave landlords exposed when it matters most.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Personal Liability Coverage
11.1%
Loss Of Rental Income Coverage
11.1%
Rented Dwelling Coverage
11.1%
Detatched Structures
11.1%
Sewer Backup
11.1%
Overland Water
11.1%
Earthquake
11.1%
Water Damage
11.1%
Appliances
11.1%
Available in Quebec
32.7%
Unique Perks
32.7%
Unique Drawbacks
32.7%
Landlord's Belongings
1%
Landlord Legal Protection
1%
Google Play Review
50%
Apple App Store Review
50%
Life insurance
Life insurance is one of the most personal financial products you can buy, so we look at it through the lens of both flexibility and usability. Coverage types are the first thing we look at in our ratings analysis. We evaluate whether providers offer a full spectrum of options, including term life, permanent life, universal life, whole life, and guaranteed acceptance plans.
Having multiple policy types available matters, since the right choice depends on everything from your age and health to your long-term financial goals. We also factor in whether customization is available, so people can tailor coverage levels, riders, and premiums to match their needs.
Finally, we weigh the unique perks and drawbacks that set each insurer apart. Some may shine with flexible conversion options, wellness benefits, or competitive premiums, while others could impose strict eligibility criteria or limited flexibility once a policy is in place. By combining real-world usability, product variety, customization, and standout pros and cons, we create a weighted ranking that shows which life insurance options actually provide lasting peace of mind, and which ones may not live up to expectations when you need them most.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Maximum Coverage
100%
Available in Quebec
30%
Unique Perks
30%
Unique Drawbacks
30%
Term Life Insurance
3.7%
Permanent Life Insurance
1.8%
Customization Options Available
1.8%
Guaranteed Acceptance Life Insurance
0.9%
Universal Life Insurance
0.9%
Whole Life Insurance
0.9%
Google Play Review
50%
Apple App Store Review
50%
Travel insurance
Travel insurance is meant to bring peace of mind when you’re far from home, but the details of how that insurance works when the chips are down can make or break that promise. So when it comes to our travel insurance ratings, we begin by looking at the core coverage and flexibility of each plan.
Some insurers go beyond standard emergency medical and trip interruption, offering valuable extras like adventure sport coverage, rental car protection, or generous limits on baggage and personal effects. We also weigh how clearly plan providers explain exclusions and conditions, beucase transparency matters when you’re trying to avoid unpleasant surprises mid-trip.
Finally, we consider the unique perks and drawbacks each provider brings. Some stand out with 24/7 multilingual support, flexible single-trip or multi-trip options, or fast digital claims processing, while others may impose strict limits or confusing terms. By balancing usability, coverage depth, and standout features, we create a weighted ranking that shows which travel insurance plans genuinely protect your trip , and which ones might leave you stranded with unexpected costs.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Emergency Medical
14.6%
Trip Cancellation
14.6%
Flight Delay
12.2%
Travel Accident
9.8%
Trip Interruption
9.8%
Baggage Loss, Damage, Delay
9.8%
Rental Car Theft And Damage
9.8%
Hotel Burglary
4.9%
Rental Car Accident
4.9%
Rental Car Personal Effects
4.9%
Student Plans Available?
4.9%
Available in Quebec
33.3%
Unique Perks
33.3%
Unique Drawbacks
33.3%
Google Play Review
50%
Apple App Store Review
50%
Tenant insurance
Tenant insurance protects you as a renter from the unexpected events in life, but not all policies offer the same peace of mind. So that’s why we begin our ratings analysis by looking at coverage offered, and what the finer coverage details are. We examine whether policies cover unit improvements, as well as protection against identity theft, a feature that is increasingly relevant in a digital-first world. These extras can turn a basic policy into one that actually protects your lifestyle, not just your stuff.
Finally, we weigh the unique perks and drawbacks each insurer brings. Some stand out with easy claims processes, flexible coverage add-ons, or generous personal property limits, while others might have restrictive conditions or hidden exclusions. By combining usability, coverage depth, and provider-specific pros and cons, we create a weighted ranking that helps renters see which tenant insurance options provide real security, and which ones may leave gaps when life gets messy.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Personal Liability
20%
Personal Belongings
20%
Additional Living Expenses
20%
Sewer Backup
20%
Overland Water
20%
Available in Quebec
32.7%
Unique Perks
32.7%
Unique Drawbacks
32.7%
Unit Improvements
1%
Identity Theft
1%
Google Play Review
50%
Apple App Store Review
50%
Pet insurance
Pet insurance is about more than just covering vet bills. It’s about giving owners peace of mind when the unexpected happens. Our rating analysis starts with the basic coverage offered, as well as any extra coverage that may come with your pet insurance product.
Holiday cancellation coverage can help reimburse costs if you have to cancel a trip due to a sick pet, while lost pet advertising support shows real-world care for emergencies beyond the vet’s office. We also look at cremation or burial coverage, and even in memoriam donations that reflect a provider’s commitment to supporting owners during loss. These features, though not always top of mind, add meaningful value when they’re needed most.
Finally, we weigh unique perks and drawbacks that distinguish each insurer. Some providers shine with broader coverage, fast claims turnaround, or wellness add-ons, while others may have limited caps or exclusions that make the policy less flexible. By balancing usability, coverage depth, and unique features, we create a weighted ranking that highlights which pet insurance providers go the extra mile for pets and their owners, and which ones might leave gaps in care.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Accidents Coverage
7.1%
Illness Coverage
7.1%
Procedures Coverage
7.1%
Dental Care
7.1%
Hereditary & Breed-specific Conditions
7.1%
Hospital Stays
7.1%
Boarding Fees
7.1%
Alternative Therapy
7.1%
Medication
7.1%
Exam Fees
7.1%
Behavioural Therapy
7.1%
Medical Devices
7.1%
Preventative Care Coverage
7.1%
Prescription Food Coverage
7.1%
Available in Quebec
32%
Unique Perks
32%
Unique Drawbacks
32%
Holiday Cancellation
1%
Lost Pet Advertising
1%
Cremation Or Burial
1%
In Memoriam Donation
1%
Google Play Review
50%
Apple App Store Review
50%
Investing
Crypto exchanges
When it comes to cryptocurrency exchanges, our rating methodology starts by considering the basics: how easy is it to move money in and out of the platform? Next, we dig into the fees that can quietly erode your returns. Standard maker and taker fees are front and centre in our analysis, along with whether exchanges offer active trader discounts that reward higher volumes.
Deposit costs also matter: Interac e-Transfer fees, wire transfer fees, or other hidden charges can add friction for investors who want to move money quickly. Since crypto trading carries a high level of risk as it is, exchanges that keep costs transparent and reasonable score higher in our ratings.
Finally, we weigh the unique perks and drawbacks that set each exchange apart. Some offer robust security features, a wide selection of coins, or advanced charting tools, while others may come with limited options or clunky interfaces. By combining platform availability, real-world user feedback, fee structures, and standout features, we build a weighted ranking that shows which cryptocurrency exchanges make trading easier, and which ones risk leaving you with more headaches than gains.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Estimated # Of Supported Cryptocurrencies
21.6%
Supports Bitcoin?
10.8%
Supports Ethereum?
10.8%
Supports Litecoin?
10.8%
Supports XRP?
10.8%
Estimated # Of Supported Fiat Currencies
10.8%
Supports CAD?
10.8%
Offers Staking
10.8%
Supports USD?
2.7%
Standard Maker Fee
22.2%
Standard Taker Fee
22.2%
Interac E-Transfer Deposit Fee
22.2%
Wire Transfer Deposit Fee
22.2%
Active Trader Discounts Available?
11.1%
Available in Quebec
32.3%
Unique Perks
32.3%
Unique Drawbacks
32.3%
Available On Desktop?
1%
Available On IOS?
1%
Available On Android?
1%
Google Play Review
50%
Apple App Store Review
50%
ETFs
Exchange-traded funds (ETFs) offer investors a way to diversify quickly, but not all platforms or offerings are created equal. We begin our rating review by examining the breadth and depth of what’s available: the number of ETFs offered, the range of types offered, and whether the provider includes any form of personalized advice to guide investors toward the right mix.
Fees are a major part of the picture, since small percentages compound into large differences in your returns over time. We weigh the minimum and maximum management fees alongside the fund MERs (management expense ratios). A low advertised cost doesn’t mean much if hidden fees are lurking in the fine print, so our ranking takes into account the full range of costs an investor might face.
Finally, we factor in unique perks and drawbacks such as commission-free ETF purchases or higher account minimums. By balancing the scale of ETF offerings, fee structures, investor support, and real-world usability, we build a weighted ranking that shows which ETF platforms truly deliver value, and which ones might leave investors paying more for less choice.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Min Management Fee
25%
Max Management Fee
25%
Min MER
25%
Max MER
25%
Available in Quebec
32.5%
Unique Perks
32.5%
Unique Drawbacks
32.5%
Types Of ETFs
1%
# Of ETFs
1%
Personalized Advice?
0.5%
Google Play Review
50%
Apple App Store Review
50%
First home savings accounts
First Home Savings Accounts (FHSAs) are designed to help Canadians reach their first down payment faster, but the details vary widely by provider. We begin our rating process by looking at the investment options on the table: whether you can open a self-directed account, access GICs, mutual funds, managed investment portfolios, or even a straightforward savings account. Promotions, like bonus cash offers or fee waivers, also help boost the product score.
Management and other costs are central to our analysis. We examine average MERs for investment portfolios, platform fees for managed options, and the base fees for self-directed accounts (both flat dollar amounts and percentage-based). While the FHSA tax benefits are standardized, high fees can chip away at those advantages over time. Providers that keep costs low while offering solid investment choices earn higher marks in our ranking.
Finally, we weigh unique perks and drawbacks that can tip the scales. Some institutions provide robust educational support or seamless integration with other accounts, while others might limit product availability or impose clunky user experiences. By combining investment variety, fee transparency, user reviews, and platform-specific pros and cons, we create a weighted ranking that shows which FHSAs deliver the most value, and which ones may slow your path to home ownership.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Average MER
33.3%
Investment Portfolio Fees
33.3%
Self-Directed Base Fee (Dollar)
16.7%
Self-Directed Base Fee (Percentage)
16.7%
Available in Quebec
31.5%
Unique Perks
31.5%
Unique Drawbacks
31.5%
Self-Directed Available
1%
GICs Available
1%
Mutual Funds Available
1%
Investment PortfoliosAvailable
1%
Savings Account Available
1%
Promotion
0.5%
Google Play Review
50%
Apple App Store Review
50%
GICs
Guaranteed Investment Certificates (GICs) are all about safety and predictability, but the fine print makes all the difference. Our ratings look at how flexible each product is across account types: whether GICs can be held inside an FHSA, RRSP, TFSA, or RRIF. This determines how well these products fit into broader financial planning strategies.
Costs and restrictions are just as important as the advertised rates. We factor in early withdrawal fees, since life doesn’t always go according to plan, and locking away money shouldn’t turn into a financial penalty. Some providers keep penalties light, while others impose steep charges for breaking a term early.
Finally, we balance unique perks and drawbacks. A provider might offer features like flexible, cashable products, while drawbacks could include limited term options. By combining account availability, withdrawal flexibility, user experience, and standout pros and cons, we create a weighted ranking that highlights which GICs deliver steady growth with real-world practicality, and which ones might lock you in without much upside.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Minimum Investment
16.7%
16.7%
16.7%
16.7%
16.7%
8.3%
8.3%
Early Withdrawal Fee
100%
Available in Quebec
32%
Unique Perks
32%
Unique Drawbacks
32%
Available As FHSA
1%
Available As RRSP
1%
Available As TFSA
1%
Available As RRIF
1%
Google Play Review
50%
Apple App Store Review
50%
TFSAs
Tax-free savings accounts (TFSAs) are one of the most flexible tools for Canadians to grow wealth, but the quality of a TFSA depends heavily on the provider. The rating for TFSAs begin by looking at your investment choices: whether you can open a self-directed account, access GICs, mutual funds, managed investment portfolios, or a simple savings account. Promotions such as cash bonuses or fee rebates are also factored in, as they can give investors an early boost.
Costs come next, since keeping growth truly tax-free means avoiding unnecessary fees. We examine base fees for self-directed accounts (both flat-dollar and percentage-based), average MERs for mutual funds, and platform fees for managed portfolios. Providers that keep costs competitive while maintaining strong investment options score higher, while those with layered or hidden fees lose ground.
Finally, we look at the unique perks and drawbacks that separate providers. Some stand out with seamless account transfers, automatic portfolio rebalancing, or strong research tools, while others might limit investment choices or make digital management frustrating. By combining investment flexibility, cost structure, user experience, and standout features, we create a weighted ranking that shows which TFSAs make tax-free investing easy and effective, and which ones might quietly hold your growth back.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Average MER
33.3%
33.3%
Self Directed Base Fee (Dollar)
16.7%
Self Directed Base Fee (Percentage)
16.7%
Available in Quebec
31.6%
Unique Perks
31.6%
Unique Drawbacks
31.6%
0.9%
0.9%
0.9%
0.9%
0.9%
Promotion
0.5%
Google Play Review
50%
Apple App Store Review
50%
RRSPs
Registered retirement savings plans (RRSPs) are a cornerstone of long-term investing in Canada, but the value you get depends heavily on the provider. When considering our RRSP ratings, we start by looking at investment flexibility: whether you can choose self-directed investing, GICs, mutual funds, savings accounts, or fully managed investment portfolios. Promotions, such as bonus contributions or fee rebates, are also factored in, since they can give savers an early boost.
Fees and costs are a critical part of our analysis. We evaluate the average MERs on mutual funds, platform fees for managed portfolios, and base fees (both flat-dollar charges and percentage-based) for self-directed accounts. High fees can erode tax-sheltered growth, so providers that keep costs competitive while maintaining strong investment options rank higher. We also account for portfolio-level fees and any hidden costs that might surprise investors.
Finally, we balance unique perks and drawbacks. Some institutions have robust research tools, automatic portfolio rebalancing, or seamless tax document handling, while others may limit product selection or impose clunky digital experiences. By combining investment choice, cost transparency, user experience, and standout features, we create a weighted ranking that highlights which RRSP options make retirement saving simpler and more effective, and which ones might quietly chip away at your returns.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Min RRSP Savings Account Interest Rate
33.3%
Min RRSP Savings Account Interest Rate
33.3%
16.7%
16.7%
Average Mutual Fund MER
33.3%
33.3%
Self Directed Base Fee (Dollar)
16.7%
Self Directed Base Fee (Percentage)
16.7%
Available in Quebec
31.5%
Unique Perks
31.5%
Unique Drawbacks
31.5%
1%
1%
1%
1%
1%
Promotion
0.5%
Google Play Review
50%
Apple App Store Review
50%
Online brokers
Online brokers are the gateway to investing, so we evaluate them by how well they balance cost, choice, and support. We start our ratings analysis with accessibility: the types of accounts available (like RRSPs, TFSAs, margin, or corporate), and the breadth of investments offered, from stocks and ETFs to more specialized products. Options for socially responsible investing are also factored in, since more investors are seeking portfolios that align with their values. Reviews from the Google Play Store and Apple’s App Store provide a snapshot of real-world usability, from trade execution to mobile functionality.
Fees carry significant weight in our analysis. We measure stock and ETF trading costs, as well as special rates for active traders. Withdrawal fees, inactivity charges, and account maintenance fees are also considered, since these hidden costs can quietly erode returns. Brokers that cover transfer fees, and what the and the thresholds are for doing so earn extra marks, especially if they make switching platforms easier. We also assess minimum investment requirements to measure the size of the barrier to entry for new investors.
Finally, we look at support and unique features. Some brokers stand out with live chat, phone, or email support, while others rely heavily on self-service. Perks like educational tools, promotions, or advanced trading platforms can boost a broker’s ranking, while drawbacks like clunky interfaces or limited research tools drag them down. By combining fees, investment choice, service quality, and user experiences, we create a weighted ranking that shows which online brokers truly empower investors, and which ones may leave them paying more for less.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Promotion Max Value
100%
Minimum Investment
12.9%
Minimum Stock Fee
12.9%
Maximum Stock Fee
12.9%
Minimum ETF Fee
12.9%
Maximum ETF Fee
12.9%
Withdrawal Fees?
12.9%
Account Maintence Fees
12.9%
Active Trader Stock Fee Per Trade
6.5%
Inactivity Fee Amount
3.2%
Available in Quebec
30.8%
Unique Perks
30.8%
Unique Drawbacks
30.8%
Cover Transfer Fees?
1.9%
Types Of Accounts
0.9%
Types Of Investments
0.9%
Minimum Deposit To Cover Transfer Fee
0.9%
Maximum Covered Transfer Fee
0.9%
Socially Responsible Investing Options
0.5%
Email Support
0.5%
Live Chat Support
0.5%
Phone Support
0.5%
Google Play Review
50%
Apple App Store Review
50%
Mutual funds
Mutual funds give investors a way to pool resources and access professional management, but not all providers make it equally worthwhile. When we create our mortgage ratings, we start by looking at accessibility: minimum investment thresholds, the types of accounts supported, and the range of fund categories offered. The number of funds available and the quality of portfolio options help us gauge whether an investor has any real choice, or if they will be boxed into a narrow selection.
Fees play a major role in our analysis. We measure both minimum and maximum MERs (management expense ratios) across the provider’s fund lineup. Even a small difference in MER can make a big impact over time, so funds with competitive expense ratios earn higher marks. Any additional fees, restrictions, or performance-related conditions also factor in, since they can quietly erode returns.
Finally, we weigh unique perks and drawbacks, along with investor support. Some providers offer personalized advice, educational resources, or bundled portfolio services, while others may have limited fund options or higher costs without delivering extra value. By combining accessibility, fees, fund variety, investor support, and user experiences, we create a weighted ranking that highlights which mutual fund providers deliver genuine long-term value, and which ones may leave investors paying more for less.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Min MER
50%
Max MER
50%
Available in Quebec
12.5%
Unique Perks
12.5%
Unique Drawbacks
12.5%
Minimum Investment
12.5%
Account Types
12.5%
# Of Funds Available
12.5%
Porfolio Options
12.5%
Fund Types
6.3%
Personalized Advice?
6.3%
Google Play Review
50%
Apple App Store Review
50%
Loans
Home equity lines of credit
Home equity lines of credit (HELOCs) can be powerful financial tools, but the real value lies in how flexible and accessible they are once opened. For our rating, we begin by examining accessibility: how well you’re able to manage your HELOC through online banking, in-branch, at ATMs, or even with a linked debit card or cheques. The more options a lender provides, the more useful the HELOC becomes for day-to-day borrowing. App feedback from the Google Play Store and Apple’s App Store is also factored in, since smooth digital access for managing your personal banking is essential.
Rates are another critical piece of the puzzle. Most HELOCs are tied to a bank’s prime rate, so we look closely at how each institution sets that baseline and whether there are any unique perks — like interest rate discounts or bundled product offers. On the flip side, unique drawbacks can weigh a product down, whether that’s higher minimum draws, restrictive repayment terms, or less flexible access compared to competitors.
By balancing access options, rate structures, real-world user experiences, and the unique pros and cons of each provider, we create a weighted ranking that helps borrowers see which HELOCs truly provide flexible, cost-effective borrowing, and which ones may quietly add friction to an otherwise handy financial tool.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Protection Available
50%
Split Mortgage Available?
50%
Bank Prime Rate
100%
Available in Quebec
31.6%
Unique Perks
31.6%
Unique Drawbacks
31.6%
Online Banking Access?
1%
Cheques Access?
1%
Debit Card Access?
1%
ATMs Access?
1%
In-Branch Access?
1%
Google Play Review
50%
Apple App Store Review
50%
Lines of credit
Lines of credit are all about flexibility, but not every product gives borrowers the same level of control. Our product rating takes into account access and ease of use — whether you can draw funds through ATMs, cheques, or in-branch visits.
Next, we look at the terms that determine who qualifies and how affordable the borrowing really is. Preapproval processes and minimum credit score requirements let you know where you stand in terms of having your application accepted, while secured options can open the door for borrowers who might not qualify otherwise. Flexible repayment terms are a big plus here, since life doesn’t always follow a fixed schedule. We also weigh minimum and maximum APRs to see how competitive each product is in practice, not just in marketing.
Finally, we balance the unique perks and drawbacks each lender offers. Some lines of credit come with rate discounts, bundled perks, or payment protection features, while others may limit flexibility or carry higher fees under the surface. By combining real-world access, borrower requirements, costs, and standout pros and cons, we create a weighted ranking that shows which lines of credit offer true financial breathing room, and which ones may add more restrictions than relief.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Minimum Credit Limit
50%
Maximum Credit Limit
50%
Minimum APR
50%
Maximum APR
50%
Available in Quebec
30.7%
Unique Perks
30.7%
Unique Drawbacks
30.7%
2%
1%
1%
Minimum Credit Score
1%
ATM Access?
1%
Cheques Access?
1%
Branch Access?
1%
Google Play Review
50%
Apple App Store Review
50%
Personal loans
Personal loans can be a lifeline for everything from debt consolidation to major purchases, but not all lenders make borrowing equally straightforward. To form our rating, we start with the basics: preapproval options, minimum credit score requirements, and whether secured loans are available. These factors determine who can realistically qualify and how accessible the product is.
Rates and terms form the core of our analysis. We measure minimum and maximum APRs, along with the flexibility of loan terms, considering both the shortest and longest repayment windows offered. A lender with a more rigid structure might look good on paper but fall short for borrowers who need more flexible repayment options. Those offering a wide range of term lengths and competitive APRs naturally rank higher.
Finally, we balance unique perks and drawbacks. Some lenders stand out with fast funding, payment flexibility, or loyalty discounts, while others may impose high fees or restrict early repayment. By weighing accessibility, affordability, borrower experience, and standout features, we create a weighted ranking that shows which personal loans genuinely support financial goals, and which ones may add more stress than relief.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Minimum Loan Amount
50%
Maximum Loan Amount
50%
Secured Available
33.3%
Pre-approval
16.7%
Flexible Terms
16.7%
Minimum Credit Score
16.7%
Minimum Term (Months)
8.3%
Maximum Term (Months)
8.3%
Available in Quebec
32.7%
Unique Perks
32.7%
Unique Drawbacks
32.7%
Minimum APR
1%
Maximum APR
1%
Google Play Review
50%
Apple App Store Review
50%
Mortgages
Mortgage brokers
Mortgage brokers can make or break the home-buying experience, so we start our ratings analysis by looking at access and reach. The number of lenders a broker works with is a key factor — more lenders typically means better odds of finding a competitive rate and terms that fit your needs. We also weigh how quickly brokers can deliver: preapprovals and instant quotes make the process smoother and less stressful.
Coverage across different mortgage needs also matters. We assess whether brokers support new mortgages, refinancing, and lender switches, since homeowners often revisit their financing as circumstances change. Brokers who handle all three are better positioned to provide continuity over the long term, rather than forcing clients to start over somewhere else. Personal, online, phone, and even text-based support also weigh heavily, since responsiveness and clarity are critical when you’re making one of the biggest financial decisions of your life.
Finally, we balance unique perks and drawbacks, as well as the fees involved. Some brokers might offer rate guarantees, educational resources, or loyalty perks, while others may charge higher fees or offer limited service hours. B combining lender reach, speed, service channels, fees, and user feedback, we build a weighted ranking that highlights which mortgage brokers provide the smoothest, most transparent experience, and which ones might add more friction than help.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Fees?
100%
Available in Quebec
31%
Unique Perks
31%
Unique Drawbacks
31%
# Of Lenders
0.9%
Instant Quotes
0.9%
New Mortgage
0.9%
Refinance
0.9%
Switch Lenders
0.9%
0.5%
Personal Support
0.5%
Online Support
0.5%
Phone Support
0.5%
Text Support
0.5%
Google Play Review
50%
Apple App Store Review
50%
Mortgages
Mortgages are one of the biggest financial commitments you could ever take on, so we start our ratings process by looking at transparency and usability. Preapproval speed and rate guarantees (measured in days) are key factors, as the sooner you can lock in a rate, the sooner you can shop with confidence for your next home.
Rates themselves are where most of the heavy lifting happens. We examine the bank’s prime rate, then break down ranges across multiple mortgage types — variable closed, fixed closed, special promotions (variable and fixed), variable open, and convertible options. Looking at both minimum and maximum rates for each category shows not only the best possible deal but also how wide the spread is. Lenders offering consistently competitive rates across multiple products score higher, while those with big gaps or limited options rank lower.
Finally, we balance unique perks and drawbacks. Some lenders sweeten their mortgages with features like prepayment privileges, portability, or cash-back offers, while others may limit flexibility with stricter conditions or higher penalty fees. By combining rate analysis, preapproval and guarantee terms, user experiences, and product-specific pros and cons, we create a weighted ranking that shows which mortgages provide the best long-term value, and which ones may leave homeowners with costly surprises.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
# Of Prepayments Allowed Per Year
20%
% Of Prepayment Allowed
20%
# Of Payment Increases Allowed Per Year
20%
Max Payment Increase Allowed
20%
Promotion Available
20%
Bank Prime Rate
7.7%
7.7%
7.7%
7.7%
7.7%
7.7%
7.7%
7.7%
7.7%
7.7%
7.7%
7.7%
7.7%
Available in Quebec
32.6%
Unique Perks
32.6%
Unique Drawbacks
32.6%
Pre-approval
1%
Rate Guarantee (days)
1%
Google Play Review
50%
Apple App Store Review
50%
Personal finance
Allowance apps
When we rate allowance apps, we look beyond the marketing and dive into the features that matter most to parents and kids. Availability is a big deal, as whether the app offers both iOS and Android support, or even a desktop option can make or break the experience. We also factor in how deposits work, from fully automatic transfers to manual top-ups, since consistency is key to teaching good money habits.
Next, we consider things like checking for savings goals, whether prepaid cards are included, and if kids can withdraw actual cash. A built-in task manager is another bonus, since linking chores to rewards can make the system more practical (and more motivating). Unique perks and drawbacks round out the picture here — does the app go the extra mile with creative features, or does it introduce friction you might not expect?
Finally, cost is always a factor. We look at both minimum and maximum monthly fees and pay special attention to how many kids are included under the plan. Families grow, and a good allowance app should grow with you without nickel-and-diming along the way. By combining all of these attributes into a weighted ranking, we create a clear, apples-to-apples comparison so you can choose the allowance app that best balances usability, teaching value, and affordability.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Refer A Friend Offer
50%
Promotion
50%
Max Monthly Fee
40%
Kids Included For Maximum Fee
40%
Min Monthly Fee
20%
Available in Quebec
31.5%
Unique Perks
31.5%
Unique Drawbacks
31.5%
Automatic Deposits
1%
Savings Goals
1%
Includes Prepaid Card
1%
Available On Desktop
0.5%
Available On iOS
0.5%
Available On Android
0.5%
Allows Cash Withdrawals
0.5%
Task Manager
0.5%
Google Play Review
50%
Apple App Store Review
50%
Budgeting apps
Budgeting apps have to fit seamlessly into your financial life, so we start with the fundamentals with our rating methodology: iOS and Android availability, the length of the free trial you get before paying a subscription, as well as reviews from real users from the Google Play Store and Apple’s App Store, since they reflect real users wrestling with syncing issues, subscription costs, and overall usability.
Next, we look closely at features that should make budgeting easier. Bank syncing is a big one, as the fewer manual entries you have to do, the better. Automatic categorization also matters, since you don’t want to spend hours cleaning up transactions just to see where your money went. Goal tracking lets you earmark funds for travel, savings, or debt repayment in ways that keep you motivated. Apps that go further with bill payment options or personal support features score higher, since they add practical tools alongside the raw numbers.
And of course, cost counts. We take into account the monthly fee and weigh it against the unique perks and drawbacks of each app. An app might offer slick goal tracking but charge more than others with similar functionality, or it might justify its price with rock-solid syncing and exceptional support. By balancing all of these factors into a weighted ranking, we give you a clear picture of which budgeting apps truly help you take control of your money, and which ones might leave you frustrated…and a little lighter in the wallet.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Monthly Fee
80%
Free Trial Length (Days)
20%
Available in Quebec
31.6%
Unique Perks
31.6%
Unique Drawbacks
31.6%
Bank Syncing
1%
Goal Tracking
1%
Personal Support
1%
Bill Payment
1%
Automatic Categorization
1%
Google Play Review
50%
Apple App Store Review
50%
Cash back sites
Cash back sites sound simple: shop, click, and earn. However, not every cash back program offers equal rewards for your shopping efforts. To calculate our ratings, we look under the hood to see which ones actually put money back in your pocket. First, we also consider the size of the retailer network, because a site with only a handful of participating stores isn’t much help. And to make sure promises match reality, we bring in user experiences, weighing how real customers rate app stability, ease of use, and payout speed.
Next, we review how easy it is to earn without changing your habits. Dedicated mobile apps and browser extensions both count for a lot. Whether you’re shopping from the comfort of your home or on the go using your mobile, these tools can make the difference between consistently collecting rewards or missing out. When it comes to redeeming, flexibility is key: we factor in whether you can cash out via cheque, PayPal, Amazon credit, gift cards, or direct electronic transfers. The more options you have, the higher the score.
Finally, the cost side can’t be ignored. While many platforms are free, some charge monthly fees, which we weigh carefully against unique perks and drawbacks. A site with a fee might justify it with exclusive bonuses or higher payout rates, but only if those benefits truly outweigh the cost. By combining reach, usability, payout flexibility, and cost into a weighted ranking, we help you quickly see which cash back sites are worth your clicks, and which might quietly cost you more than they give back.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Cash Back Minimum (Dollar)
22.2%
Cash Back Maximum (Dollar)
22.2%
Cash Back Minimum (Percentage)
11.1%
Cash Back Maximum (Percentage)
11.1%
Minimum Balance To Cash Out
11.1%
Welcome Bonus
11.1%
Refer A Friend Offer
11.1%
Monthly Fee
100%
Available in Quebec
30.2%
Unique Perks
30.2%
Unique Drawbacks
30.2%
Pay Via Electronic Fund Transfer?
2.8%
Pay Via PayPal?
1.9%
Available Retailers Estimate
1.4%
Mobile App
0.9%
Browser Extension
0.9%
Pay Via Cheque?
0.5%
Pay Via Amazon?
0.5%
Pay Via Gift Cards?
0.5%
Google Play Review
50%
Apple App Store Review
50%
Grocery services
Convenience is the heart of grocery delivery, but not every service is built the same. We rank our grocery services by weighing how flexible the service really is: minimum wait windows measured in hours, maximum wait times measured in days, and whether you’re tied to a single grocer or free to shop across multiple chains. App usability plays a big role here too, so we take into account feedback from both the Google Play Store and Apple’s App Store, because a service that makes it harder to shop for groceries means you might as well just head to the store yourself.
Cost and promotions are another major factor. We examine service fees, along with any promotions or discounts that can help offset them. While some grocery services keep fees simple and predictable, others layer on surcharges that only appear once you’ve filled your cart. A well-priced service that pairs affordability with clear pricing earns higher marks than one that hides its true cost until the end.
Finally, we look at the perks and drawbacks unique to each platform. Some services offer generous promos, loyalty points, or priority time slots, while others may limit your options with rigid delivery windows or smaller product selections. By balancing availability, convenience, cost transparency, and standout features, we create a weighted ranking that shows which grocery services actually make life easier, and which ones might leave you wishing you’d just driven to the store.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Minimum Fee
50%
Maximum Fee
50%
Available in Quebec
31.7%
Unique Perks
31.7%
Unique Drawbacks
31.7%
Limited To One Grocer
2%
Minimum Wait Window (Hours)
1%
Maximum Wait Window (Days)
1%
Promo
1%
Google Play Review
50%
Apple App Store Review
50%
International money transfers
Sending money across borders can be simple, or surprisingly expensive, depending on the provider. We start with transparency, looking closely at whether services use the mid-market exchange rate and how clearly they disclose fees. We also factor in common transfer methods like debit, credit, bank account, or PayPal, since convenience is only useful if the costs don’t quietly stack up. User reviews on the Google Play Store and Apple’s App Store give us an on-the-ground view of how easy transfers really are to initiate and track.
Cost comparisons are where things really come into focus. We evaluate hidden fees, transfer limits, and look at the real cost of sending $1,000 internationally. Providers that keep charges clear and predictable rank higher, while those that hide fees in exchange rate mark-ups or set restrictive caps could lose points.
Finally, we weigh unique perks and drawbacks that separate one provider from another. Some offer speed and near-instant delivery, loyalty rewards, or broad global reach, while others might impose slower processing times or limit which countries you can send to. By combining exchange rates, fee structures, payment options, real-world user experience, and standout pros and cons, we create a weighted ranking that shows which international money transfer services actually save you time and money, and which ones may quietly cost more than you expect.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Hidden Fees?
50%
50%
Available in Quebec
32.3%
Unique Perks
32.3%
Unique Drawbacks
32.3%
Mid-market Exchange Rate?
0.5%
Debit Transfer?
0.5%
Credit Transfer?
0.5%
Bank Account Transfer?
0.5%
Paypal Transfer?
0.5%
Transfer Limits
0.5%
Google Play Review
50%
Apple App Store Review
50%
Money apps
Money apps cover a wide spectrum, from simple budgeting tools to all-in-one financial dashboards. Because this category is so broad, we start with the basics when it comes to our product rating: how well the apps actually perform for everyday users. Google Play Store and Apple’s App Store reviews give us a clear snapshot of reliability, usability, and whether the app’s features live up to its promises. An app can boast slick marketing, but if users can’t log in or sync their accounts, it won’t score well.
From there, we look at the perks and drawbacks that make each app stand out. Some bring unique benefits like real-time financial tracking, credit score monitoring, or integrated savings challenges, while others may limit functionality behind a paywall or overwhelm users with complexity. Because these apps try to serve a wide audience, their strengths and weaknesses tend to be more pronounced: a clever perk might set one app apart, while a frustrating design flaw can sink another.
Finally, we recognize that money apps are often more about lifestyle fit than raw financial return. That means considering whether the app offers a clean, intuitive experience that makes managing money less stressful, or whether it creates extra friction that users won’t stick with. By weighing perks, drawbacks, and real-world user experiences across such a wide field, we build a weighted ranking that helps highlight which money apps genuinely improve financial life, and which ones may not be worth the space on your phone.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Available in Quebec
33.3%
Unique Perks
33.3%
Unique Drawbacks
33.3%
Google Play Review
50%
Apple App Store Review
50%
Newspapers
Newspapers today straddle two worlds: the tradition of print, and the convenience of digital. We start our rating process by looking at availability across both formats: whether a subscription includes online access, a print edition, or both. The number of delivery days per week is also factored in, since some subscriptions cover weekends only while others offer full seven-day access. User reviews on the Google Play Store and Apple’s App Store provide a window into how seamless (or frustrating) the digital reading experience is.
Cost plays a big role in our analysis. We measure minimum and maximum monthly subscription costs, along with whether annual prepayment discounts are available. Newspapers that keep pricing transparent and reward long-term commitments tend to score higher. This cost analysis helps show the real value of a subscription beyond the sticker price.
Finally, we weigh unique perks and drawbacks. Some newspapers offer access to premium archives, podcasts, or bundled magazine content, while others may limit access behind strict paywalls or have less user-friendly delivery systems. By combining format availability, cost structures, real-world user feedback, and standout pros and cons, we create a weighted ranking that shows which newspapers deliver the most value for readers, and which ones might leave you flipping through fewer pages than expected.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Current Promo
100%
Min Monthly Fee
33.3%
Max Monthly Fee
33.3%
Number Of Days Per Week Included
33.3%
Available in Quebec
32.3%
Unique Perks
32.3%
Unique Drawbacks
32.3%
Available Online
1%
Available In Print
1%
Pay An Annual Fee For Discount
1%
Google Play Review
50%
Apple App Store Review
50%
Online wills
Online wills promise to make estate planning simple, but the real test is how thorough and accessible the service is. We begin our ratings process with the essentials: whether you can create a record of your assets, express final wishes, and prepare incapacitation documents alongside your will. We also look at whether providers offer the ability to register with the Canada Will Registry, since that extra step can make a big difference in ensuring your wishes are respected. User reviews on the Google Play Store and Apple’s App Store highlight how easy these platforms are to navigate — and whether they deliver on their promise of convenience.
Cost is another important factor. We measure both the minimum and maximum fees charged, since some providers offer a flat package. while others charge more for add-ons. Free will updates also matter, as life changes, from new children to new assets, mean that today’s will might not cover your situation in 10 years. Services that include updates, without piling on extra charges, score higher in our analysis.
Finally, we weigh the unique perks and drawbacks that set one provider apart from another. Some stand out with easy-to-follow guidance, live support, or bundled family options, while others might lack flexibility or charge extra for basics that competitors include. By combining coverage of essential documents, pricing transparency, user feedback, and standout features, we build a weighted ranking that shows which online will services actually bring peace of mind, and which ones may leave gaps in your planning.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Max Fee
57.1%
Free Will Updates
28.6%
Min Fee
14.3%
Available in Quebec
32%
Unique Perks
32%
Unique Drawbacks
32%
Create A Record Of Your Assets
1%
Express Final Wishes
1%
Abilty To Register Your Will With The Canada Will Registry
1%
Create Incapacitation Documents
1%
Google Play Review
50%
Apple App Store Review
50%
Password managers
Password managers are all about combining security with convenience, so we start our rating process by evaluating the core features you’ll use every day. The ability to use the tool across all devices, generate strong passwords, and autofill them consistently are must-haves. We also weigh whether providers include free storage for sensitive files, multi-factor authentication support, and options to share passwords securely with family or team members. Reviews from the Google Play Store and Apple’s App Store add another layer, showing how smooth or frustrating the real-world user experience is.
Costs are another key consideration. We look at both the minimum and maximum monthly fees, as well as how many users are included in a standard plan. Some providers keep pricing simple and affordable, while others scale up quickly depending on storage needs, team size, or extra features. Services that offer a clear value proposition, offering strong features at a fair price, naturally score higher in our rankings.
Finally, we balance unique perks and drawbacks. Some password managers go further with password health insights, security alerts, or breach monitoring, while others may skimp on features or hide them behind premium tiers. By combining usability, pricing, security depth, and real-world feedback, we build a weighted ranking that shows which password managers actually make your digital life safer and which ones might leave you juggling sticky notes after all.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Min Monthly Fee
33.3%
Max Monthly Fee
33.3%
Number Of Users Included
33.3%
Available in Quebec
31.5%
Unique Perks
31.5%
Unique Drawbacks
31.5%
Can Be Used For All Devices
1%
Autofills Passwords
1%
Multi Factor Authentication Supported
1%
Ability To Share Passwords With Others
1%
Generates Passwords
0.5%
Free Storage Included (GB)
0.5%
Offers Password Insights
0.5%
Google Play Review
50%
Apple App Store Review
50%
Payment services
Payment services that let you cover bills, rent, or utilities with credit and debit cards offer convenience, but the details matter when it comes to our in-depth ratings. We start by looking at the payment options on the table, including using credit cards, debit cards, Interac e-Transfers, PayPal, or even pay-in-person options.
We examine credit card fees, minimum debit card fees, e-Transfer charges, and PayPal costs to see the real price of convenience. A service that allows you to earn rewards points by paying with a credit card can be valuable, but not if the fees outweigh the benefits. Transparency here is key — hidden charges or confusing pricing structures drag a platform’s ranking down.
Finally, we weigh unique perks and drawbacks. Some providers add features like scheduled payments, integration with accounting software, or loyalty rewards, while others may have slower processing times or limited biller networks. By combining payment flexibility, fee structures, user feedback, and standout features, we create a weighted ranking that highlights which payment services truly make life easier, and which ones may quietly cost you more than you bargained for.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Pay Utilities?
12.5%
Pay Mobile Bill?
12.5%
Pay Other Bills?
12.5%
Pay Income Taxes?
12.5%
Pay Property Taxes?
12.5%
Pay Mortgage?
12.5%
Pay Insurance?
12.5%
Pay Tuition?
12.5%
Credit Card Fee
25%
Debit Card Fee Minimum
25%
Interac E-Transfer Fee
25%
Paypal Fee
25%
Available in Quebec
31.7%
Unique Perks
31.7%
Unique Drawbacks
31.7%
Pay With Credit Card?
1%
Pay With Debit Card?
1%
Pay By Interac E-Transfer?
1%
Pay With Paypal?
1%
Pay In Person?
1%
Google Play Review
50%
Apple App Store Review
50%
Robo advisors
Robo-advisors aim to make investing effortless, but not every platform delivers the same balance of cost, features, and support. Our first stop when evaluating our ratings are the types of accounts offered (from RRSPs and TFSAs to corporate or RESP accounts), as well as the availability of tax-loss harvesting, automatic rebalancing, and socially responsible investing options. Reviews on the Google Play Store and Apple’s App Store show us how these services perform in the real world — whether apps are reliable, onboarding is smooth, and investors feel confident using them.
Fees are at the heart of our analysis. We examine average MERs, minimum and maximum platform fees, and any balance thresholds tied to lower pricing. Transfer fee coverage also plays a role, including how much of your outgoing transfer fees the platform will reimburse and the minimum deposit required to have those fees waived. Withdrawal and inactivity fees are also factored in, since these hidden costs can add friction for investors who want flexibility.
Finally, we weigh the human touch. Email, live chat, and phone support options can make or break the experience when something goes wrong, or when you want reassurance about your investments. We also highlight unique perks and drawbacks, from powerful goal-tracking tools to limited product selection or high minimum balances. By combining features, pricing, service quality, and real-world usability, we create a weighted ranking that shows which robo-advisors make investing truly set-and-forget, and which ones might leave you wishing for more.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Minimum Investment
66.7%
Promotion
33.3%
Average MER
18.2%
Minimum Fees
18.2%
Maximum Fees
18.2%
Minimum Balance For Minimum Fee
9.1%
Cover Transfer Fees?
9.1%
Maximum Covered Transfer Fee
9.1%
Inactivity Fee Amount
9.1%
Minimum Deposit To Cover Transfer Fee
4.5%
Withdrawal Fees?
4.5%
Available in Quebec
32.3%
Unique Perks
32.3%
Unique Drawbacks
32.3%
Types Of Accounts
1%
Tax-loss Harvesting
0.5%
Socially Responsible Investing Options
0.5%
Automatic Rebalancing
0.5%
Email Support
0.2%
Live Chat Support
0.2%
Phone Support
0.2%
Google Play Review
50%
Apple App Store Review
50%
Streaming services
Streaming services are no longer just about watching your favourite movies and shows. Instead, they’re about how well a platform fits into your household’s viewing habits. The ratings for streaming services in Canada start with accessibility: whether you can watch on smart TVs, phones and tablets, computers, and even game consoles. A great library doesn’t matter if you can’t watch it where you want. Reviews from the Google Play Store and Apple’s App Store give us a real-world look at reliability, app design, and playback quality.
Content variety and features weigh heavily in our analysis. We look at whether the service produces strong in-house content, includes kids’ programming, or offers live sports. Parental restrictions, the ability to stream on multiple screens at once, and clear limits on paid extra content also factor in. Services that let you add more users without big price hikes score higher, especially important for families or shared households.
Cost comes next. We assess minimum and maximum monthly fees, whether ads are present in the base plan, and if paying annually earns a discount. Some platforms lure you in with a low entry price but charge extra for features or ad-free viewing; others keep pricing straightforward. By combining device support, content depth, household-friendly features, and pricing transparency, we build a weighted ranking that shows which streaming services really deliver and which ones may leave you juggling logins and surprise fees.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Estimated # Of Shows/Movies
46.2%
Variety of TV/Movie Genres
46.2%
Current Promo
7.7%
Min Monthly Fee
33.3%
Max Monthly Fee
33.3%
Ads In Min Monthly Fee
33.3%
Available in Quebec
30.6%
Unique Perks
30.6%
Unique Drawbacks
30.6%
In-House Content
1%
Kids Programming
1%
Live Sports
1%
Number Of Screens That Can Watch At Once
1%
No Paid Extra Content
1%
Option To Add More Users
1%
Pay An Annual Fee For A Discount
1%
Parental Restrictions
0.5%
Watch On Smart TVs
0.2%
Watch On Phones/Tablets
0.2%
Watch On Computer
0.2%
Watch On Game Consoles
0.2%
Google Play Review
50%
Apple App Store Review
50%
Tax software
Tax software should make filing as simple and stress-free as possible when tax deadlines loom. This means that our ratings analysis starts with evaluating ease of use and essential features in the software. The ability to import prior year’s data, especially from a different piece of tax software, can save hours of manual entry. Free tax advisor support and accuracy guarantees provide peace of mind.
Costs and access to expertise matter just as much as convenience. We look at whether the provider offers a free version for simple returns, what they charge per basic return, and if users can pay extra for help from a tax expert. Platforms that make professional support accessible without overcomplicating pricing tend to score higher, especially for filers with unconventional tax situations.
Finally, we weigh unique perks and drawbacks that set each platform apart. Some offer step-by-step guidance, audit protection, or advanced tools for small business owners, while others may limit functionality or upsell aggressively. By combining usability, cost transparency, expert access, and real-world user experiences, we create a weighted ranking that shows which tax software makes filing fast and painless, and which ones might add frustration to an already stressful task.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Fee Per Basic Return
50%
Free Version Available?
50%
Available in Quebec
31.5%
Unique Perks
31.5%
Unique Drawbacks
31.5%
Import Prior Year Data?
1%
Import Prior Year Data From Another App?
1%
Free Support Available?
1%
Accuracy Guarantee
1%
Access To Tax Expert
1%
Mobile App?
0.5%
Google Play Review
50%
Apple App Store Review
50%
VPNs
Virtual private networks (VPNs) promise online privacy and access without borders, but not all of them deliver the same speed, reliability, or value. To form our VPN ratings, we start with platform availability: whether the VPN works across Windows, macOS, Android, iOS, game consoles, and smart TVs. A private connection isn’t much help if it only works on one device. User reviews from the Google Play Store and Apple’s App Store give us a real-world view of app stability, ease of setup, and overall performance.
Performance and flexibility play a huge role in our analysis. We weigh the estimated number of servers and how many simultaneous connections are allowed, since more servers generally mean faster, more reliable access, and multiple device connections keep the whole household covered. Plan pricing also matters: we compare monthly costs, as well as how long of a subscription you’ll need to commit to in order to get the lowest advertised price. Money-back guarantees add another layer of consumer protection, letting users try risk-free before locking in.
Finally, we consider unique perks and drawbacks that can make one VPN stand out over the other. Some offer extra security features like ad blocking or malware protection, while others might have limited server locations or slower speeds under load. By combining device compatibility, network performance, cost structure, and standout features with real-world user feedback, we build a weighted ranking that shows which VPNs truly deliver safe, seamless browsing, and which ones might leave you buffering or exposed.
We collect those details into four categories: money ratings, fee ratings, perk ratings, and satisfaction ratings. The two charts below show the relative weightings of each main category for this product, as well as the breakdown of each feature contained in a category, so you can more clearly see how we weight and evaluate each feature of a product to bring you the most transparent and unbiased ratings possible.
Promotion
100%
Minimum Price Per Month
33.3%
Maximum Price Per Month
33.3%
Plan Length Required To Get Min Price Per Month (Years)
16.7%
Money-Back Guarantee Length (Days)
16.7%
Available in Quebec
31.7%
Unique Perks
31.7%
Unique Drawbacks
31.7%
Estimated # Of Servers
1%
# Of Connections At Once
1%
Available On Windows
0.5%
Available On MacOS
0.5%
Available On Android
0.5%
Available On IOS
0.5%
Available On Game Consoles
0.5%
Available On TVs/streaming sticks
0.5%
Google Play Review
50%
Apple App Store Review
50%
