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 |  $50 GeniusCash + $700 when you complete specified transactions + $400 when you open 2 investment accounts | Open an account |
| Coast Capital Elevate Chequing Account | Chequing account | $125 GeniusCash + Earn up to $600 when signing up for multiple products | Open an account |
| Simplii No Fee Chequing Account | Chequing account | $350 when you complete specified transactions | Open an account |
| Chexy | Payment Service | $10 GeniusCash + | Open an account |
| HelloFresh | Meal Box Delivery | $25 GeniusCash + | Open an account |
| KOHO Everything Mastercard | Prepaid Credit Card | Apply Now | |
| Qtrade | Online broker | $80 GeniusCash + Up to $2,000 bonus cash | Open an account |
| BMO Performance Chequing Account | Chequing account | $75 GeniusCash + $700 when you complete specified transactions | Open an account |
| nesto | Mortgage Lender | Apply Now | |
| Innovation's No-Fee Bank Account | Chequing account | $75 GeniusCash | 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 |
| CIBC Investor's Edge | Online broker | Low $6.95 trading fee | 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 + $50 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 $50 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
$50 GeniusCash + Get up to a $700* welcome bonus + Earn Scene+ points on all debit purchases.- 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
$50 GeniusCash + Get up to a $700* welcome bonus + Earn Scene+ points on all debit purchases.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 $50 in GeniusCash when you open an account.
A top no fee chequing and savings account + a $350 cash bonus
Monthly fees on your chequing account can get as high as $30 per month, but thankfully the CIBC-owned digital bank Simplii has a solution for you. With the Simplii No-Fee Chequing account, you'll get unlimited access to your money, plus you can even use CIBC ATMs for free.
- No monthly fee or minimum balance requirement
- Free and unlimited transactions
- Earn interest on your balance
- Free international money transfers
- Free access to over 3,400 CIBC ATMs
- Get up to $125 in friend referrals
- Going into overdraft can be costly
- Extra fees on non-affiliated and international ATMs
- No extra bells and whistles
- Not available in Quebec
- Resident of Canada
- Age of majority
- Free access to CIBC ATMs
- Send money internationally for free
- Valuable referral bonuses
If you're sick of fees, one of your best free chequing account options is the Simplii No Fee Chequing Account. You'll pay no monthly fees and get free Interac e-Transfers and unlimited debit transactions.
Since CIBC backs Simplii, you can feel secure that your money is protected, and also access it through any CIBC ATM nationwide.
The cherry on top is the huge $350 welcome bonus you get when you set up a minimum of 3 direct deposits.
Get ingredients for delicious meals delivered to your door + $25 GeniusCash
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.
You can also earn $25 in GeniusCash with a new membership.
A top prepaid credit card with 2 months free for new users
$100 GeniusCash + Up to 2% cash back on purchases + No foreign exchange fees.*The KOHO Everything Mastercard offers the best of KOHO, from high rewards on purchases, high interest of 3.5% on your balance, and a few other features to boot.
- Genius Rating:
- Rewards rate: around 1.1%
- Our credit estimate: Poor (300-560)
- Welcome bonus: up to $20*
- Annual fee: $177
- FX feature: 0% FX fee
- * See rates and fees
- It'll take you to the bank's secure site.
- You'll get the chance to read the offer and product details.
- If you choose to apply, filling the form should take between 10 to 15 minutes.
GC: $100
- It'll take you to the bank's secure site.
- You'll get the chance to read the offer and product details.
- If you choose to apply, filling the form should take between 10 to 15 minutes.
The KOHO Everything Mastercard is KOHO’s premium prepaid credit card option. It’s teeming with useful features, including good cash back rates, and a whopping 3.5% interest on your balance. Though this card is already worth the monthly fee (and then some), KOHO is currently offering new users two months of the KOHO Everything Mastercard plan for free.
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.
- Fund your new account and get a $80 GeniusCash bonus
- Get up to $2,000 cash when you open new accounts
- Up to 5% cash back on every dollar invested
- Award-winning mobile app
- Select ETFs with no fees
- Educational tools
- Young investor pricing
- Discounts for active traders
- Options Lab
- Middle of the pack pricing
- $25 per quarter fee for smaller investors
$80 GeniusCash + Earn up to 5% cash back on deposits + 140+ ETFs with no trade fees
- Young Investor and Investor Plus pricing available
- 140+ ETFs with no fee trades
- 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
- 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
$80 GeniusCash + Earn up to 5% cash back on deposits + 140+ ETFs with no trade fees
There are quite a few discount online brokers these days. One of the best ones is Qtrade.
Depending on what you invest in, there may not be any trading fees at all. There are over 100 ETFs that have no fees.
If you prefer other investments, you'll only pay $8.75 per trade, with 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 also got a little bonus for you. We'll give you $80 in GeniusCash when you open an account.
Unlimited transactions with special rates for select groups + a $700 cash bonus + $75 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 $75 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
- Valuable welcome bonus
- High minimum balance fee waiver
- Extra fees are high and can add up
- No safety deposit box waiver
$75 GeniusCash + Up to $700 in welcome bonuses + up to 4.6% interest on Savings Amplifier account. *T&Cs apply.- Special rates available for students, seniors, Indigenous persons, and more
- Free OnGuard Identity Theft Protection
- Eligible for a free BMO Family Bundle
- Valuable welcome offer
- No fee for Global Money Transfers
$75 GeniusCash + Up to $700 in welcome bonuses + up to 4.6% interest on Savings Amplifier account. *T&Cs apply.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 – $75 in GeniusCash when you open an account through our link.
$75 GeniusCash + Unlimited transactions for $0 + Ding-free non-affiliated ATM usage.
$25 GeniusCash + $50 bonus for funding a new account, and $0 commissions on stocks & ETFs
$12 GeniusCash + Access trusted news coverage 24/7 + Digital and home subscription options.
$25 GeniusCash + Delicious meal choices with fresh ingredients + Front-door delivery.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
$10 GeniusCash + Earn cashback or credit card points by paying your rent, bills and taxes + Referral bonuses.- 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
$10 GeniusCash + Earn cashback or credit card points by paying your rent, bills and taxes + Referral bonuses.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.
Access a wide variety of investment in one place with a TFSA
A Scotiabank TFSA is an easy way to take advantage of tax-free savings while investing with a trustworthy big bank. You’ll get a variety of options, including GICs (4 different types, in fact), mutual funds, portfolios, and cash savings accounts. You can also invest in stocks and bonds in your self-directed TFSA through Scotia iTrade.
- Lots of investing options
- 4 different types of GICs
- Lackluster return on TFSA savings account
- No special features and not much detail on the website
- Age of majority
- Canadian citizen
- Cashable
- Non-cashable
- Market linked
- Personal redeemable
With a Scotiabank TFSA, you can choose how you want to invest your money, all while being sheltered from taxes.
You can choose from GICs, mutual funds, self-directed investing, or go with a simple savings account, all under one roof.
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 + $75 GeniusCash
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.
A unique chequing account that earns rewards + $75 GeniusCash
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.
- Get $75 in GeniusCash when you open your account
- 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
$75 GeniusCash + Unlimited transactions for $0 + Ding-free non-affiliated ATM usage.- Ding-free ATM use across Canada
- Everyday banking earns cash rewards
$75 GeniusCash + Unlimited transactions for $0 + Ding-free non-affiliated ATM usage.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:
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- 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.
As part of signing up, we're offering $75 GeniusCash when you open an account through our offers page.
Get 4.5% interest for the first 5 months
With a jaw-dropping promotional interest rate of 4.5% for the first 5 months, it's hard not to be tempted by the Simplii High Interest Savings Account. You'll even get free transfers to your Simplii chequing account to make accessing your money easy and stress free.
- 4.5% interest for the first 5 months
- No monthly fees
- $125 friend referrals available
- Backed by CIBC bank
- Low regular interest rate of 0.3%
- High minimum balance to earn the top rate of 1.5%
- No Interac e-Transfer or debit capabilities
- $20 inactivity fees
- Resident of Canada
- Age of majority
- Refer a friend for $125
- Very impressive promo interest rate
Want a safe way to make the most of your money for the next few months? This Simplii High Interest Savings Account promotion is one of the best you can get on the market, giving you 4.5% interest for the first 5 months.
The best part is that it's super easy to do. You just need to be a new client and open your account, then any money you throw in will get the high rate automatically.
After the promotion ends, your account will stay free to use and get you 0.3% interest on your money.
Buy stocks with a big bank's online broker for only $6.95 + Students trade for free
This online investment brokerage is owned and run by CIBC, and is targeted towards people who are interested in managing their own investments, learning about how to manage their own investments, and people who do investment management for a living. With relatively low fees for trades, and discounts for students and active traders, this is a service worth looking into.
- Get 100 free online equity trades with code EDGE100
- No minimum investment required
- Lower than average fees per trade
- Discount on trade fees for students and young adults
- Discount on trade fees for active traders
- Seems to be designed for regular people, not just the ultra rich
- Per transaction fees can add up quickly
- Ages 18 - 24 trade for free
- Free investment research tools
- Extended trading hours
- TFSA
- RRSP
- RESP
- RRIF
- LRSP
- PRIF
- LIRA
- LRIF
- Cash
- Margin
- Corporate
- Partnership
- Formal trust
- Investment club
- Estate
- FHSA
- Stocks
- ETFs
- Options
- Mutual Funds
- GICs
- Fixed Income
- Precious Metals
- Structured Notes
- IPOs
- CDRs
For a self-directed investment broker, CIBC Investor's Edge is the cheapest option among the big banks. For all your equity trades, you'll pay a flat fee of $6.95, which can be lowered to $4.95 if you're an active trader. This is even completely waived if you're under 25 years old.
But stocks aren't the only thing you can buy. You can also access a wide variety of investments, some of which include:
- Stocks
- ETFs
- Mutual funds
- Bonds
You also decide if you want a registered or non-registered account (or even both if you’d like).
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. Here's a sampling of what we're currently offering. You can see all of our offers here.
| Product | What Is It | GeniusCash Offer |
|---|---|---|
| Scotiabank Ultimate Package | Chequing account | $100 |
| Scotiabank Preferred Package | Chequing account | $50 |
| Homewise | Mortgage broker | $250 |
| Qtrade | Self-directed investing | $80 |
| Epilogue Wills | Will Creator | TBD |
| MogoMoney | Personal Loans | $50 |
| Simplii No Fee Chequing Account | Chequing account | TBD |
| Nesto | Mortgage Broker | TBD |
| Spring Financial | Personal Loans | $100 |
| Coast Capital Elevate | Chequing account | $125 |
| Coast Capital Free Chequing | Chequing account | $100 |
| Coast Capital Unlimited | Chequing account | $125 |
| Hello Fresh | Meal Box | $25 |
| Chef's Plate | Meal Box | $25 |
| Factor | Meal Box | $25 |
We've also got a wide selection of credit cards – 14 to choose from. You can find all the details of these offers and how to qualify on our offers page.
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 are also tossing in an extra $50 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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