When it comes to your finances, you only want the best. That's why we make it easy for you to look past the noise and find the hottest money deals and bank account offers for every month.
No matter which part of your personal finance you're looking to upgrade, we have the top credit card, bank account, investment, mortgage, insurance, and software offers listed right here.
So to get you started, here are some of the best offers around.
| Product | Type of product | Offer | Learn more |
|---|---|---|---|
| Scotiabank Preferred Package | Chequing account | Open an account | |
| Coast Capital Elevate Chequing Account | Chequing account | Open an account | |
| Qtrade | Online broker | Open an account | |
| Voilà | Grocery pickup/delivery service | Open an account | |
| Kraken | Cryptocurrency exchange | Open an account | |
| Neo Everyday Account | Hybrid Account | N/A | Open an account |
| BMO Performance Chequing Account | Chequing account | Open an account | |
| Tangerine Chequing Account | Chequing account | $250 when you complete specified transactions | Open an account |
| Chexy | Payment Service | Open an account | |
| HelloFresh | Meal Box Delivery | Open an account | |
| nesto | Mortgage Lender | Apply Now | |
| Innovation's No-Fee Bank Account | Chequing account | Open an account | |
| PolicyMe Life Insurance | Life Insurance | Open an account | |
| PureVPN | VPN | Open an account | |
| Laurentian Bank High Interest Savings Account | Savings account | N/A | Open an account |
| Questwealth | Robo advisor | 1 month of free options contract pricing and market data | Open an account |
| GeniusCash offers | Various | Up to $250 in cash back on approval | Learn more |
A top chequing account with unlimited transactions + a $700 cash bonus + $100 GeniusCash
There's not much better than unlimited free transactions, but the Scotiabank Preferred Package comes packed with even more perks to seal the deal. These include a bonus interest rate on the top Scotiabank savings account, a first year annual fee waiver on select cards, and points on every day purchases with the Scene+™ program.
- Kickstart your account with a $100 GeniusCash bonus
- Get a welcome bonus worth up to $700 (ends October 30, 2025)
- Unlimited debit transactions and Interac e-Transfers
- Ability to waive monthly fee with a minimum balance of $4,000
- Earn Scene+ points on your debit transactions
- First year annual fee waiver on select Scotiabank credit cards
- Age of majority
- Canadian citizen
- First year annual fee waiver (up to $150) on select credit cards
- Earn Scene+ points on debit transactions
- Earn an additional 0.05% on your Momentum Plus Savings Account
If you want a top-of-the-line chequing account, you're looking for the Scotiabank Preferred Package. Here's some of what this account has to offer:
- Unlimited transactions and Interac e-Transfers
- Annual 1 time fee waiver on select Scotiabank credit cards (up to $150 value)
- Get free cheques and bank drafts
- Ability to earn Scene+ points on debit purchases
The monthly fee for the account is $16.95, but you can waive that by keeping $4,000 in the account at all times.
Scotiabank will give you up to $700 when you open an account and complete some specified actions within the first 2 months, which includes either setting up a recurring direct deposit, paying 2 pre-authorized transactions over $50, or a bill payment of more than $50 (any 2 of the 3 options).
You can also earn another $400 when opening up 2 investment accounts and deposit $5,000 into them.On top of all this, we're offering $100 in GeniusCash when you open an account.
A chequing account with unique perks + $125 GeniusCash
The Coast Capital Elevate Chequing Account offers complimentary Coursera*** access and identity theft protection, in addition to free unlimited e-Transfers, more included ATM transactions and a credit card rebate.
- Monthly fee discounts available****
- Annual fee rebate on select Coast Capital credit cards
- 50 free cheques annually
- Free ID protection and password manager
- Free access to Coursera***
- Limited unaffiliated ATM withdrawals and slightly higher ATM fee
- Not available in Quebec
- Have a SIN
- Age of majority in your province
- Live in Canada (except Quebec)
- New members must purchase a minimum of $5 in membership equity shares
- Free access<sup>***</sup> to Coursera's global learning platform (Value $538/year)<sup>*</sup>
- Free identity theft protection and password manager with ID Assist
- New members must purchase a minimum of $5 in membership equity shares
- 2 free Interac network Canadian ATM withdrawals per month<sup>†</sup>
- 3 free International ATM withdrawals per year<sup>††</sup>
The Coast Capital Elevate Chequing Account is a high-end chequing account that has some very unique perks. For a monthly fee of $16.95 here's some of what you get.
- Unlimited transactions
- Free withdrawals at any EXCHANGE network ATM
- Free access Courses from Coursera's global learning platform
- Free identity theft protection
And while this credit union may be based in BC, this account is available to all Canadians except residents of Quebec.
You can also get up to $800 when you sign up for this account and get a couple of other Coast Capital products.
And we're also chipping in $125 GeniusCash when you open an account through our offers page.
Coast Capital also offers these other chequing accounts, all of which come with GeniusCash.
Get access to free ID theft protection and unlimited free e-Transfers with the Coast Capital Unlimited Chequing Account. It’s available in all provinces (except for Quebec) for a lower-than-average monthly fee.
- Reasonable monthly fee***
- Valuable welcome offer**
- Free ID Assist protection
- Discounts for seniors, youth, and others***
- Free cheques each year
- Unavailable in Quebec
- No free unaffiliated ATM withdrawals
- Be the age of majority in your province or territory
- Have a SIN
- Live in Canada (except Quebec)
- New members must purchase a minimum of $5 in membership equity shares
- Online identity theft protection and monitoring (Value $96/year)
- Free withdrawals and deposits at more than 4,000 ATMs across Canada
With the Coast Capital Free Chequing, Free Debit, and More Account, you'll get free unlimited day-today transactions*** for no monthly fee.
- Banking with a full-service institution
- Earn a sweet welcome bonus
- Free use of ATMs across Canada
- Deposit cheques with just a photo
- Fees for sending Interac e-Transfers
- Age of majority in your province
- Social Insurance Number for new members
- New members must purchase a minimum of $5 in membership equity shares
- Work with a full service bank, not just an online bank
- Free withdrawals and deposits at more than 4,000 Exchange Network ATMs across Canada
A low cost online broker with up to a $2,000 cash bonus on sign up + $80 GeniusCash
Looking to take your investments into your own hands? Qtrade Direct InvestingTM is a discount online broker that offers top-of-the-line portfolio analytics tools and a robust trading platform designed for new and experienced DIY investors. You can even trade over 140 specially-picked ETFs commission free.
- $0 commission on ETFs, mutual funds and more
- Fund your new account and get a $80 GeniusCash bonus
- No quarterly administration fee
- Up to 5% cash back on every dollar invested
- Excellent mobile app
- Educational tools
- Options Lab
- Get up to $2,000 cash when you open new accounts
- Some activities still carry fees
- $0 commission trades on mutual funds, equities, ETFs and more
- Trial account available
- Second-to-none portfolio analytics tools (including scoring against key ESG components)
- Pre-market and after-hours trading available for US markets
- $0 quarterly administration fee
- Cash
- TFSA
- RRSP
- Spousal RRSP
- LIRA
- RIF
- LIF
- RESP
- Margin
- FHSA
- LRSP
- Corporate
- Formal Trust
- Informal Trust
- Investment Club
- Estate
- Stocks
- ETFs
- Mutual Funds
- Bonds
- New Issues
- GICs
- Options
There are quite a few discount online brokers these days, and one of the best is Qtrade.
Depending on what you invest in, there may not be any trading fees at all with Qtrade. There are over 100 ETFs that have no fees.
If you prefer other investments, you'll pay just $8.75 per trade, plus a discount for active traders.
When you open a new account, you can earn a cash bonus of up to $2,000 when you use code OFFER2025. The amount you'll receive will depend on how many new accounts you open and fund.
We've got a little bonus for you too. We'll give you $80 in GeniusCash when you open an account.
Online grocery shopping at a major grocer + $25 GeniusCash
Voilà offers easy online grocery shopping. Shop your favourite local brands, choose your timeslot, and get delivered at fees starting as low as $4.99. Enjoy guaranteed fresh groceries at in-store prices with no hidden fees.**
- Get a $25 GeniusCash bonus on your first order over $75
- Guaranteed fresh groceries
- Prompt, professional, and friendly delivery service
- Delivery pass for regular shoppers
- Promotions for new customers
- Grocery store prices on the high end
- Delivery isn't available everywhere
- New Customers Welcome Offers
- Earn Scene+ points
- Refer A Friend Program
Online grocery shopping is more popular than ever. And one of Canada's largest grocers (Sobeys and Safeway) have their own online grocery shopping service with Voilà.
The cost for pickup? If you're not fussy about when you pick it up, it won't cost you anything – simply select a time slot that states free. For others, the fee may be up to $3. Depending on where you live, you can also have your groceries delivered to you for varying fees.
Voilà also offers a subscription service, where you can pay a set monthly fee for all the grocery pickups you want.
When you sign-up for a new account and make a minimum purchase of $75, we'll give you $25 in GeniusCash.
A top cryptocurrency exchange offering crypto ETFs + $75 GeniusCash
Kraken is a cryptocurrency exchange where you can trade and invest in more than 350 cryptocurrencies. Plus it offers plenty of advanced features for serious investors.
- Plenty of cryptocurrencies to choose from
- Free wire transfers
- Tools for advanced traders
- Global peer-to-peer payment app
- Not the best option for new investors
Kraken is a top crypto currency exchange. You can trade over 300 different cryptocurrencies, from the common coins like Bitcoin and Ethereum to the downright strange.
But that's not all – they also offer crypto ETFs. You'll be able to invest in a collection of different currencies with 1 fund, something that's not common to other platforms.
Get a new account and make 1 trade with a minimum of $200 and we'll give you $75 in GeniusCash.
Earn interest on your balance and rewards on your purchases with this unique chequing account
Love having easy access to your money, but want to make the most of your cash savings before it's spent? With a Neo Everyday account, you can earn 0.1% on your balance PLUS an average of 3% cash back on your purchases (with a minimum of 1%). All transactions and Interac e-Transfers are free and unlimited.
- Comes with a prepaid Mastercard
- No transaction fees
- No monthly fees
- Eligible for CDIC deposit protection
- Lower interest rate than the Neo Financial High-Interest Savings Account
- Canadian citizen
- Earn up to 3% cash back on spending
- Free app for tracking your spending and savings
- Pairs well with other Neo products
The Neo Everyday Account is a chequing and savings account rolled into 1. On your balance, you'll earn 0.1% interest.
Use the included prepaid to make purchases, and you'll earn up to 5% cash back on all of those. P
Finally, you can use any ATM in Canada to draw cash, and they'll reimburse you up to $5 on any fees you may pay..
And there's no monthly fees or minimum balances to pay either. It's the ultimate chequing account.
Unlimited transactions with special rates for select groups + a $700 cash bonus + $50 GeniusCash
The BMO Performance Plan will get you unlimited transactions and Interac e-Transfers for $17.95 a month – which can be cut down to $0 if you keep a $4,000 balance in your account.
- Bonus: Get $50 GeniusCash when you open your new account
- Unlimited transactions and Interac e-Transfers
- Rebate for BMO credit cards
- No fee for Global Money Transfers
- OnGuard identity theft protection included for free
- Special rates for a long list of people groups
- Walmart Delivery Pass Subscription
- $700 welcome bonus
- High minimum balance fee waiver
- Extra fees are high and can add up
- No safety deposit box waiver
- Special rates available for students, seniors, Indigenous persons, and more
- OnGuard Identity Theft Protection Included
- Eligible for a free BMO Family Bundle
- Valuable welcome offer
- No fee for Global Money Transfers
The BMO Performance Chequing Account is a mid-range chequing account with some special rates for a few groups.
For a monthly fee of $17.95 (which can be waived by keeping $4,000 in the account), here is some of what this account offers:
- Unlimited transactions
- Unlimited Interac e-transfers
- $40 rebate on the annual fee of select BMO credit cards
BMO also offers special rates on this account for these groups:
- Newcomers
- Students
- Canadian Defense Community members
There's also a $700 welcome bonus when you open an account and complete some specified actions.
We also have our own kicker on top of that – $50 in GeniusCash when you open an account through our link.
A top no fee chequing + a $250 cash bonus
The Tangerine Chequing Account is one of the best no fee chequing accounts around. Get unlimited transactions, all the Interac e-Transfers you need, and earn an interest rate of up to 0.1% on your balance, rare for a chequing account.
- No monthly fee
- Unlimited free transfers
- No minimum balance requirement
- Pairs well with a Tangerine Savings Account
- Welcome bonus available
- Advertised interest rates are misleading
- Limited free cheques
- High non-affiliated ATM fees
- Limitations of an online bank
- Age of majority
- Canadian citizen
- Automatically categorizes your spending
- Free first book of 50 cheques
If you're sick of fees, one of your best free chequing account options is the Tangerine Chequing Account. You'll pay no monthly fees and get free Interac e-Transfers and unlimited debit transactions.
Since Scotiabank backs Tangerine, you can feel secure that your money is protected, and also access it through any Scotia ATM nationwide.
The cherry on top is the huge $250 welcome bonus you get when you set up a minimum of 3 direct deposits.
Earn credit card rewards on your rent and other bills
Tired of throwing away your money at ever-growing bill costs every single month? Wish you could get a little something back on the biggest slice of your budget by using your credit card to earn cash back or travel rewards? Thanks to Chexy, now you finally can.
- Earn credit card rewards on your bills
- No need for your landlord to sign up
- Credit building service
- Credit card fees can get high (depending how expensive your bills are)
- No option for paying with PayPal
- Lack of a mobile app
- Doesn't accept Canadian Mastercards
- Earn cash back or travel rewards, and Aeroplan points on rent, bills, and taxes
- Automated payments & landlord-friendly
- Low fees compared to other services
- Exclusive offers and partnerships (Aeroplan offers)
- Credit-building service add-on
Chexy is an online payment service that stands out by letting you pay your rent and other bills using a credit card.
And if you're thinking it's expensive to use, it's much less than other services. Most online payment services charge around 2.9%, but with Chexy it's just 1.75%. With the right credit card, you'll earn more in rewards than what you pay.
As for rewards, you're not just limited to cash back, you can also earn Aeroplan points if you choose.
Get ingredients for delicious meals delivered to your door
HelloFresh is one of Canada's best meal kit delivery services. Pick the recipes, get the ingredients delivered to your door, and get cooking. HelloFresh takes shake and bake to a whole new level.
If you're new to HelloFresh, we have an offer to help you get started. Use promo code MGENPEAKHFHY on sign-up, and you can get up to 20 free meals, free shipping on your first box, and free sides for life.
Secure the lowest mortgage rate with a low rate Guarantee
- 2 year: 4.7%
- 3 year: 4.24%
- 4 year: 4.45%
- 5 year: 3.99%
- 7 year: 5.94%
- 10 year: 6.14%
Getting a new mortgage or refinancing your existing one has never been easier, thanks to revolutionary online mortgage platforms like nesto. With salaried mortgage experts on hand to help you through the process, you can feel confident that you're getting the best rate.
- Super quick and easy application process
- You're guaranteed to get the lowest rate available
- Get up to $13,754 cash back on your mortgage
- Limited time product – Prime Time Mortgage
- Speaking to a human, in person, isn't an option
- Doesn't yet have a well-established reputation
- Age of majority in your province
- Canadian citizen or resident
- Canada's first digital mortgage lender
- Mortgage advisors are salaried instead of commission-based
- Rates are locked for 150 days, the longest of any lender in Canada
- Earn 1% of your total mortgage value as cash back when you fund your mortgage through nesto
As an online mortgage lender, nesto guarantees that they'll provide the lowest rates possible. They also guarantee that they'll lock your rate for 150 days, and they offer the ability to earn cash back with select mortgages.
A unique chequing account that earns rewards
Minimum Balance To Waive Fee N/A # Of Free Monthly Transactions Unlimited # Of Free Monthly Interac E-Transfers Unlimited Monthly Fee $0.00Never pay for a monthly bank fee again with Innovation's No-Fee Bank Account, saving you about $11 every single month – without having to worry about locking up thousands of dollars for a minimum balance. You'll also get unlimited free transactions and Interac e-Transfers®, plus won't be charged an extra fee for using non-affiliated ATMs Canada-wide.
Pros- Earn rewards on monthly transactions
- Free and unlimited transactions and Interac e-Transfers®
- No minimum balance requirements
- Free non-affiliated ATM use in Canada
- Earn rewards for everyday banking
Cons- Unavailable for Quebec residents
- No branch locations outside of Saskatchewan
ProvincesAB, BC, MB, NB, NL, NU, NT, NS, ON, PE, YT, SKEligibility- Be age 18 or older
- Be a Canadian resident (excluding Quebec)
- Have a SIN
- New members pay a $5 membership fee
Why You Want ItUnlimited transactions for $0 + Ding-free non-affiliated ATM usage.Special Features- Ding-free ATM use across Canada
- Everyday banking earns cash rewards
Minimum Balance To Waive FeeN/A# Of Free Monthly TransactionsUnlimited# Of Free Monthly Interac E-TransfersUnlimitedMonthly Fee$0.00Excess Transaction FeeN/AExcess Interac E-Transfer FeeN/AMaximum Credit Card Annual Fee WaiverN/AMaximum Welcome BonusN/APromo End Date See Issuer for Details Physical Locations
Automatic Budgeting System
Minimum Interest RateN/AEarn Rewards On Debit Purchases
Free Cheques
Free Bank Drafts
Max Rebates For Other AccountsN/ADiscounts For Seniors
Discounts For Youth
Other Discounts
Never pay for a monthly bank fee again with Innovation's No-Fee Bank Account, saving you about $11 every single month – without having to worry about locking up thousands of dollars for a minimum balance. You'll also get unlimited free transactions and Interac e-Transfers®, plus won't be charged an extra fee for using non-affiliated ATMs Canada-wide.
- Earn rewards on monthly transactions
- Free and unlimited transactions and Interac e-Transfers®
- No minimum balance requirements
- Free non-affiliated ATM use in Canada
- Earn rewards for everyday banking
- Unavailable for Quebec residents
- No branch locations outside of Saskatchewan
- Be age 18 or older
- Be a Canadian resident (excluding Quebec)
- Have a SIN
- New members pay a $5 membership fee
- Ding-free ATM use across Canada
- Everyday banking earns cash rewards
The Innovation's No-Fee Bank Account is a no fee chequing account that offers unlimited transactions and earns rewards.
The first time you complete one of these every month you'll earn 50 cents:
- Pre-authorized deposit
- Pre-authorized payment
- Online bill payment
- Remote cheque deposit
- E-statement subscription
That's an easy $2.50 every month.
As to actually getting money? You can use both the ACCULINK and EXCHANGE networks to get cash.
And while this bank account is offered by a credit union in Saskatchewan, it's available to all Canadians except residents of Quebec.
Access some of the cheapest life insurance premiums in Canada
- 10 years
- 15 years
- 20 years
- 25 years
- 30 years
- 100 years
PolicyMe is a modern life, health, and dental insurance option for Canadians between the ages of 18 and 75 (or older, if renewing). You'll get some of the cheapest life insurance premiums in the country, and it's all done 100% online for extra ease of access. Choose from terms between 10 to 30 years, or a 100 year term for essentially permanent coverage. PolicyMe term life insurance is convertible and renewable, so you don’t have to commit to a long term at first if you don’t want to.
- Some of the lowest rates in Canada
- Fast and simple application process
- Live support over the phone and through live chat
- Convertible Term Life Insurance & National Availability
- No in-person support
- Ages 18 - 80+
- All applicants get an instant decision
- 100% online application
- Save 10% off your policy for the first year when you apply as a couple and get child coverage at no extra cost with the purchase of any policy
- National availability
- 10 years
- 15 years
- 20 years
- 25 years
- 30 years
- 100 years
PolicyMe Life Insurance offers some of the best premiums you'll find for term-life insurance in Canada. PolicyMe offers terms from between 10 to 30 years.
Plus, everything is completed online, and you'll know right away if you've been approved or not. Right now, apply as a couple and you'll get 10% off for your first year and $10,000 in free child coverage.
Protect your personal data with a top VPN
The internet can be a scary place, but using PureVPN can help solidify your online security by encrypting your data and masking your location. This high-tech solution filters your data through over 6,000 servers around the world, keeping you anonymous and flexible.
- Get 4-tools-in-1 with PureMax
- Customer support available 24/7
- Support for the vast majority of devices
- Up to 10 simultaneous connections
- Low fees for longer subscriptions
- 31 day money back guarantee
- Relatively high month-by-month subscription fee
- Optional extras increase your fees
- Frequently offers discounted trials
- 24/7 customer support
- Supports Linux, Chrome, and Firefox
- Optional dedicated IP, port forwarding, DDOS protection addons
- Servers in over 65 countries
Feel the need for some extra protection for the data you transmit over the internet? A VPN can help.
PureVPN offers end-to-end encryption of your data. Plus, it will help you get around geoblocking by streaming services such as Netflix.
An excellent savings account with up to 3.2%
Get a high interest rate of up to 3.2%* with the Laurentian Bank High Interest Savings Account. You'll earn 2.2% on savings under $100,000, 3.2% on savings between $100,000 and $5,000,000, and 1% on savings of more than $5,000,000.
- Valuable tiered interest rates up to 3.2%
- No minimum balance requirements to waive fees
- Auto saving feature
- E-Transfer fees
- Minimum balance to earn max interest is on the higher end
- No branch locations outside of Quebec
- Be the age of majority in your province
- Be a Canadian resident
Looking for an account that earns you high interest on your money? One of your choices is the Laurentian Bank High Interest Savings Account.
With this account, you can earn up to 3.2% interest on your balance. It's a tiered system and you'll only earn that rate with a balance of $100,000 – but even still, you earn 2.85% for balances less than that.
Get 1 month of free options contract pricing and market data with this robust robo advisor
Questwealth portfolios is the robo advisor service offered by Questrade, a large online broker in Canada. It offers you ETF-based portfolios in a variety of account types – ranging from personal, to registered, and even corporate. If you're looking for an investment account that does all the work for you, this is one of the best places to start.
- Some of the lowest fees in Canada
- Covers transfer fees for any balance
- Reinvests dividends
- $1,000 minimum investment
- Fees for wire withdrawals
- Some of the most competitive fees in the business
- TFSA
- RRSP
- Spousal RRSP
- LIRA
- Locked-In RRSP
- RIF
- LIF
- RESP
- Family RESP
- Cash
- Joint Cash
- Corporate Cash
- FHSA
- Margin
Want the best robo advisor in Canada? With fees as low as 0.2% and no transfer fees to worry about, Questwealth may be what you've been waiting for.
Though you'll have to meet the small $1,000 minimum investment requirement, once you get there, you can open up a large variety of accounts and get an entire year of free management. You can even opt for Socially Responsible Investments if you want to make sure your money is going to the right causes.
You'll even get your first 1 month of free options contract pricing and market data if you use our link to open your account.
Get bonus cash back on approval with our GeniusCash offers
On top of all the hot deals listed above, we've got tons of GeniusCash offers on even more top Canadian finance products. You can see all of our offers here.
Have any hot money deals you want to share?
There's nothing quite like getting a good deal.
Do you have a hot personal finance offer to share? Let us know in the comments below.
FAQ
What's the best credit card deal this month?
The best credit card deal this month is from MBNA. You can earn up to 30,000 bonus points with the MBNA Rewards World Elite® Mastercard®.
What's the best banking deal this month?
This month, we're highlighting Scotiabank Preferred Package. New members will receive a sweet welcome bonus of $700 and we're also tossing in an extra $100 GeniusCash when you open an account with our handy link.
Are there any investment promos I'm missing out on?
If you use our link when signing up for Qtrade self directed service, use the promo code OFFER2025 and you can get up to $2,000 as a welcome bonus – and an extra $80 in GeniusCash from us.
























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