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 | Offer | |
|---|---|---|
| Scotiabank Ultimate Package |  $100 GeniusCash + Get up to a $700* welcome bonus + Up to $150 annual credit card fee waivers. |
Apply now |
| Coast Capital Unlimited Chequing Account | $125 GeniusCash + New members can get $450* when they open and use an Unlimited Chequing Account.
|
Apply now |
| Petsecure | Get top-notch protection for your pet with easy online quotes | Apply now |
| Neo Savings Account | $50 GeniusCash + Earn 2.25% - 3% interest + No monthly fees. |
Apply now |
| BMO Performance Chequing Account | $160 GeniusCash + Up to $900 in cash + a Walmart Delivery Pass Subscription for up to 12 months*. *T&Cs apply. |
Apply now |
| Tangem | $5 GeniusCash + Secure and convenient hardware wallet + supports over 16,000 cryptocurrencies |
Apply now |
| BMO InvestorLine Self-Directed | $90 GeniusCash + Flat $9.95 fee for most trades + Commision-free trades on popular ETFs. |
Apply now |
| Wealthsimple Trade | No commission, maintenance or withdrawal fees + Easy to use. Legal Disclaimer | Apply now |
| RBC Digital Choice Business Account Package | $100 GeniusCash + Unlimited business banking features for only $6/month |
Apply now |
| Coinbase | $75 GeniusCash + Trade over 200 cryptocurrencies + Includes offers staking |
Apply now |
| Tangerine Savings Account | $50 GeniusCash + Start out strong with 4.5% interest + No minimum balance. |
Apply now |
Scotiabank Ultimate Package – $100 GeniusCash
If you want the most you can get out of a chequing account, the Scotiabank Ultimate Package is all about the extra perks.
Not only will you get unlimited free transactions – including free global ATM withdrawals – you’ll also get credit card annual fee waivers, special rates, and unlimited transactions. This all comes with a $30.95 monthly fee that’s waived if you keep $6,000 per month in your account.
If you prefer physical bank locations and keeping all your money in one place, the Scotiabank Ultimate Package could have a lot of value for you. If you take advantage of all the fee waivers offered, you'll be saving $337 per year. That means the account will cost you a net fee of $34 per year, or $2.83 per month. And that's only if you don't keep the minimum balance of $6,000 – which will waive all your fees completely.
But if you're just looking for a normal chequing account with free transactions, going for a free chequing account instead may be a better bet for you.
The Scotiabank Ultimate Package is the chequing account that offers everything. From unlimited transactions, credit card fee waivers, a free safe deposit, rewards on debit purchases, increased interest rates on GICs and savings accounts, and more, this account includes everything you might need from a chequing account.
- Get a $100 GeniusCash boost
- Get up to $700 in welcome bonus cash
- Unlimited transactions
- Plenty of physical bank locations
- Save money on premium credit cards
- Exclusive rates and fee rebates for other accounts
- Earn rewards
- Minimum balance to waive fee
- High monthly fee
- Minimum balance is a wasted investment opportunity
- You may still be charged for non-Scotiabank ATM withdrawals
- You must be at least 16 years old
- A Canadian resident or you're here for work or study
- Opening this account in your own name
$100 GeniusCash + Get up to a $700* welcome bonus + Up to $150 annual credit card fee waivers.- Earn Scene+ points on debit transactions
- No monthly overdraft protection fee
- Unlimited free Scotia International Money Transfers
- Up to $150 annual fee waiver each year on select credit cards
$100 GeniusCash + Get up to a $700* welcome bonus + Up to $150 annual credit card fee waivers.Coast Capital Unlimited Chequing Account – $125 GeniusCash
The Coast Capital Unlimited Chequing Account is a mid-tier chequing account from Coast Capital. If you're in the market for an account with unlimited day-to-day transactions**, including free e-Transfers, don't count this one out simply because it's from a credit union – it can hold its own against similar chequing accounts from much bigger banks.
Coast Capital is headquartered in Surrey, British Columbia, and the company once only offered banking products for residents of that province. Luckily, things have changed, and most Canadians can now take advantage of the Coast Capital Unlimited Chequing Account and other financial services.
With a lower-than-average monthly fee, free identity theft protection, we had a hard time finding much fault with this excellent chequing account. To put it simply, the Coast Capital Unlimited Chequing Account is a mid-tier account with more than mid-tier features.
The few issues we did find with this account are certainly noteworthy and can cause some real headaches. But if you don't live in Quebec and you keep a close eye on your daily balance, there's really no reason why you shouldn't take advantage of this well-built financial product.
To top it off, when you become new Coast Capital member, we'll give you $125 GeniusCash from moneyGenius when you make your first deposit into your new account.
Get access to free ID theft protection and unlimited free e-Transfers with the Coast Capital Unlimited Chequing Account. It’s available in all provinces (except for Quebec) for a lower-than-average monthly fee, or $0 per month with the minimum balance**.
- 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
$125 GeniusCash + New members can get $450* when they open and use an Unlimited Chequing Account.
- Online identity theft protection and monitoring (Value $96/year)
- Free withdrawals and deposits at more than 4,000 ATMs across Canada
- Unlimited day-to-day transactions<sup>**</sup>, including free INTERAC e-transfers
- Several ways to reduce the monthly fee<sup>***</sup>
- One free book of 25 single Canadian cheques per year
- Free paper or e-Statements
$125 GeniusCash + New members can get $450* when they open and use an Unlimited Chequing Account.
Petsecure
Petsecure is one of the top pet insurance providers in Canada, and available in all provinces and territories. You can choose from a variety of different plans to suit the coverages you are looking for for your special furry friend.
Petsecure offers just about any kind of coverage you might need for your pet. There are a few select coverages that aren't present, but otherwise, they offer a pretty complete set of choices for pet coverage in Canada.
Petsecure offers pretty much everything you might need for pet insurance. You get to pick and choose what coverage you need from a variety of different plans. The only real drawback? A couple of small things aren't available, but otherwise Petsecure offers a pretty complete set of protection for your furry friends.
- Four tiered plans to fit any budget
- Dental coverage included in every plan
- Up to 80% reimbursement including exam fees and taxes
- No prescription food coverage
- Wellness coverage is only available on the most expensive plan
Neo Savings Account – $50 GeniusCash
The Neo Savings Account is Neo’s high-interest savings account (HISA), an easy option for Canadians looking for an account with generous interest rates on all deposits. Plus, Neo doesn't charge any fees, which makes this account an excellent choice regardless of your savings experience or financial knowledge.
While it has many excellent features, there are a few frustrating details, including the fact that it doesn't include a debit card or even a prepaid credit card (like Neo's other accounts do).
With no fees, no minimum deposit or balance requirements, and a high interest rate, the Neo Savings Account has a lot to offer anyone looking to open a savings account. It has all the standard features of a HISA, plus a handy tool for goal tracking.
It's tough to find things not to like about this account, really – unless you want to get your money out. Since there's no debit card, you'll need to transfer funds to a linked chequing account in order to access your cash.
Get one of the best everyday savings rates in Canada, so you can make sure your money is working as hard as you are. Earn 2.25% right away and unlock an even higher 3% rate once your balance hits $20,000. Earn over 6x more than at the big banks, with no monthly fees or promo periods. Just a straightforward rate built to help your money work harder. Join 1.3+ million Canadians who’ve already made the move.
- Impressive 3% interest rate
- Up to $650 in welcome bonus
- No monthly fees or minimum deposit requirements
- Personalized goal-tracking tool
- Earn more interest and rewards with a Neo Membership
- Customizable account name and icons
- Hard to access your money
- No welcome bonus offered
$50 GeniusCash + Earn 2.25% - 3% interest + No monthly fees.- No monthly fees or minimum deposit required
- Personalized saving goals to keep you organized and on-track
- Track your goals in real-time
$50 GeniusCash + Earn 2.25% - 3% interest + No monthly fees.BMO Performance Chequing Account – $160 GeniusCash
The BMO Performance Chequing Account is a popular mid-tier chequing account offered by one of Canada's biggest banks. BMO has been a banking powerhouse for decades, providing comprehensive services, advanced security measures, and top-notch professionalism for all clients.
True to form, BMO has created a robust banking product with the BMO Performance Chequing Account. It has a few more features than you might expect from a mid-tier account and is accessible to Canadians from coast to coast.
As a mid-tier account, the BMO Performance Chequing Account chequing account has all of the features you’d expect and a few extra perks besides. It's got the big things covered: unlimited transactions, free Interac e-Transfers®, a generous welcome bonus, and more, making its $17.95 monthly price tag seem quite reasonable.
Still, this account could be better. The $4,000 minimum balance for waiving fees is a bit steep and may turn some people off. And while a $40 credit card rebate is nothing to sneeze at, it only covers a fraction of the annual fees for most of the applicable cards.
The BMO Performance Chequing Account 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 minimum of $4,000 balance in your account.
- Bonus: Get $160 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+ membership
- $900 welcome bonus
- High minimum balance fee waiver
- Extra fees are high and can add up
- No safety deposit box waiver
$160 GeniusCash + Up to $900 in cash + a Walmart+ membership for up to 12 months*. *T&Cs apply.- Special rates available for students, seniors, Indigenous persons, and more
- OnGuard Identity Theft Protection included
- Eligible for a free <a target="_blank" href="https://www.bmo.com/en-ca/main/personal/bank-accounts/family-bundle/">BMO Family Bundle</a>
- Valuable welcome offer
- No fee for Global Money Transfers
$160 GeniusCash + Up to $900 in cash + a Walmart+ membership for up to 12 months*. *T&Cs apply.Tangem – $5 GeniusCash
Tangem is a secure self-custody cryptocurrency wallet with high security standards where you can store, buy, transfer, and swap thousands of different coins and tokens through its mobile app. It's available as a hardware wallet or ring, and has a companion mobile app.
The hardware wallets generate their private keys offline, protecting you and your assets from malicious online hackers. The open-source Tangem mobile app acts as a companion for managing assets and broadcasting signed transactions, though it's not a full crypto exchange.
As a hardware wallet, Tangem provides advanced security, a sleek design, and incredible ease of use for regular transactions. The Tangem app is similarly intuitive and clean, though it boasts additional features.
The app also includes market analysis functionality. It shows the price history of tokens and currencies you might want to buy, as well as a security score and other metrics that go into the decision to make a trade.
Tangem is a hardware crypto wallet with a mobile app that meets high security standards for managing your crypto assets and generating keys offline. It supports over 16,000 cryptocurrencies and tokens across more than 87 blockchain networks.
- Cold wallet cards are durable
- Cold wallet cards are secure
- Convenient and intuitive
- Can't generate multiple receiving addresses
- No PC support
- Fees when buying on the app
$5 GeniusCash + Secure and convenient hardware wallet + supports over 16,000 cryptocurrencies- EAL6+ chip security standard
- 25-year warranty
$5 GeniusCash + Secure and convenient hardware wallet + supports over 16,000 cryptocurrencies
BMO InvestorLine Self-Directed – $90 GeniusCash
If you’re experienced with managing your own investments or self-directed trading, the BMO InvestorLine online brokerage may be just what you need. With advanced tools for experienced traders, and extra perks and benefits for people with lots of money to invest, this brokerage has won several awards over the years.
And while all this sounds pretty good, there are a few things to watch out for. While the fees are (generally) flat, they are higher than average. There are also no automated tools available to help save you time.
We’ve given BMO InvestorLine 5.0 stars for a few reasons. It scored well for having tools, perks, and benefits for experienced, frequent traders, or for people who have a lot ($250,000+) of money to invest.
It lost points because it really doesn’t have anything for anyone else. There are some online tutorials and demos, but no live practice accounts.
Maybe they’re trying to keep less wealthy newbies away, but we think they deserve to be knocked down a few points for that.
For the advanced trader, BMO InvestorLine Self-Directed offers a top-notch platform for managing your own investments. This online investing platform offers plenty of advanced tools along with extra perks and benefits for those who invest a lot.
- Advanced tools for active traders
- Exclusive “5 Star” membership for very active or very wealthy traders
- Flat fees and (relatively) straightforward pricing
- Live support by phone
- Welcome bonus worth up to $10,000*
- Higher than average fees
- No real tools or support for newbies
- Quarterly account minimum fee
- Lack of automated tools to help simplify things and save you time
$90 GeniusCash + Flat $9.95 fee for most trades + Commision-free trades on popular ETFs.- Advanced tools for active traders
- Online demos and tutorials for new traders
- BMO InvestorLine 5 Star Program
- Self-Directed TFSA accounts have no minimum account balance fees
- TFSA
- RRSP
- RESP
- RRIF
- Individual
- Joint
- Cash
- Margin
- LIRA
- LRSP
- RLSP
- LRIF
- LIF
- Non-personal
- FHSA
- Stocks
- ETFs
- Options
- Mutual Funds
- GICs
- Bonds
- CDRs
- IPOs
$90 GeniusCash + Flat $9.95 fee for most trades + Commision-free trades on popular ETFs.Wealthsimple Trade
While you may have heard of Wealthsimple, did you know that Wealthsimple also offers Wealthsimple Trade? And it’s a little different. They advertise it as “a simpler way to trade,” and it’s hard to argue with that. You can only open a handful of account types. You can trade stocks, ETFs, options, margin, and corporate products on Canadian and U.S. exchanges. And that’s about it.
Wealthsimple Trade doesn’t have all the bells and whistles of most self-directed investing platforms. There’s no market research, and data tracking tools are rudimentary. On the other hand, it also charges no commission fees, no withdrawal fees, and no inactivity or maintenance fees.
Wealthsimple Trade is a little difficult to judge, really, because it’s designed for a different sort of user than most other self-directed investment platforms. That said, when compared against some of those more full-featured competitors, it comes up a little short.
We’ve given Wealthsimple Trade 3.9 stars because it’s a pretty limited platform, with few features, 1 major hidden-ish fee, and very limited investment account types. On the other hand…it charges no commission fees, withdrawal fees, inactivity fees, or maintenance fees. So it gains quite a few points there.
While you may have heard of Wealthsimple, did you know that Wealthsimple also offers Wealthsimple Trade? And it’s a little different. They advertise it as “a simpler way to trade,” and it’s hard to argue with that. You can only open a handful of account types. You can trade stocks, ETFs, options, margin, and corporate products on Canadian and U.S. exchanges. And that’s about it.
- Well designed and easy to use app
- Trade on Canadian and U.S. exchanges
- CIPF protection up to $1,000,000
- No minimum account balance
- New user offer
- Market + 1.5% fee for currency conversion
- There are some fees for particular things
- Focus on simplicity and ease of use
- Search and track stocks with a watchlist
- Personal
- TFSA
- RRSP
- LIRA
- FHSA
- RESP
- RRIF
- Non-registered
- Corporate
- Margin
- Stocks
- ETFs
- Options
- Crypto
- Margin
RBC Digital Choice Business Account Package – $100 GeniusCash
The RBC Digital Choice Business Account Package is an excellent account choice for a business bank account and is best suited for companies who primarily like to use online and mobile banking for most of their business banking. RBC also has an impressive list of recommended services for businesses.
The RBC Digital Choice Business Account Package provides impressive value for businesses that complete most of their banking transactions via online or mobile apps. And RBC's list of extra services for businesses is both extensive and impressive.
This account does indeed offer plenty of digital conveniences, and unlimited business banking features for just $6.00. This account is designed for those who prefer to bank digitally. Other accounts may be preferable if you deal with cash or need to head into branches frequently.
The RBC Digital Choice Business Account Package is a low cost business chequing account designed for those who use online and mobile banking for banking. For a low fee of $6 per month, you'll get unlimited debit and credit transactions, unlimted Moneris despoits as well as 10 free Interac e-Transfers per month.
- Unlimited debit and credit electronic transactions
- Unlimited Moneris deposits
- Unlimited electronic cheque deposits
- Access to other business services
- Petro-Canada fuel savings
- Limited Interac e-Transfers
- Fees for cash and paper deposits
- ATM fees
- Canadian citizen
- Age of majority
- Have a business registered in Canada
$100 GeniusCash + Unlimited business banking features for only $6/month- Unlimited electronic debit and credit transactions
- Unlimited Moneris deposits
- 10 FREE Interac e-Transfer transactions
$100 GeniusCash + Unlimited business banking features for only $6/monthCoinbase – $75 GeniusCash
Coinbase is one of the most well-known cryptocurrency exchanges in the world. Coinbase Canada only recently registered with the Canadian Securities Administrators (CSA), but it’s become popular for its no-fee deposits, membership rewards programs, and wide variety of available cryptocurrencies.
Unlike some exchanges, Coinbase charges maker/taker fees, which can make trading a bit more expensive. However, active members qualify for lower fees, so if you're a high-volume trader on Coinbase, your costs will likely stay reasonable.
Coinbase has a lot going for it. You can trade a wide variety of different cryptocurrencies, with all the usual suspects like Ethereum and Bitcoin available. There is no fee for an Interac e-Transfer deposit, and you'll get a discount on maker/taker fees if you're a high-volume trader. Its only shortcomings are the maker/taker fees, which are a little higher than others.
Coinbase is one of the best cryptocurrency exchanges in Canada. You can trade over 200 cryptocurrencies and get access to a discount on trade fees if you trade in high volumes.
- Plenty of cryptocurrencies to trade
- Offers staking
- Coinbase One membership offers rewards
- Fee discount for high-volume traders
- No fee Interac e-Transfers
- Free educational resources
- High maker/taker fees
- Hard to find the exact fees before making a transaction
$75 GeniusCash + Trade over 200 cryptocurrencies + Includes offers staking- Trade over 200 cryptocurrencies
- Offers Staking available
- Fee discount for high-volume traders
- Free educational resources
$75 GeniusCash + Trade over 200 cryptocurrencies + Includes offers stakingTangerine Savings Account – $50 GeniusCash
The Tangerine Savings Account is a digital savings account offered by Tangerine Bank. The shining feature of this account is its welcome bonus – a strong 4.5% for 5 months. After the solid start, the interest rate goes down to 0.3%, which is still competitive with the big 5 banks.
Tangerine doesn’t charge any fees for this account or impose any minimum balances. With that said, getting money out of your account can be challenging as there’s no debit card access or Interac e-Transfers, only transfers to another account. Whether you find this account useful will depend on your individual needs.
Related links:
- Best savings accounts in Canada for 2026
- Best online savings accounts in Canada For 2026
- Compare all savings accounts in Canada
The Tangerine Savings Account has an amazing promotional rate of 4.5% that will help get your savings off to a great start. But once your money is deposited, it’s hard to get at with no debit card or Interac e-Transfers available.
The Tangerine Savings Account scores well for its low fees, promo interest rate, and automatic savings program. It loses some points for not having many transaction options and for its not bad, but not great regular interest rate.
The Tangerine Savings Account starts you out with a bang - 4.5% for the first 5 months. And if you happen to have a Tangerine Mastercard, you'll unlock a 3rd bonus category simply by getting your cash back deposited in your Tangerine Savings Account.
- Excellent promotional interest rate
- No fees or service charges
- No minimum balance required
- Automatic savings program
- Not the highest available interest rate
- Getting money out of the account can be inconvenient
- Age of majority
- Canadian citizen
$50 GeniusCash + Start out strong with 4.5% interest + No minimum balance.- Excellent promo interest rate
- Automatic Savings Plans
$50 GeniusCash + Start out strong with 4.5% interest + No minimum balance.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.
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