The best money apps come from Clutch – both Buy from Clutch and Sell to Clutch provide quality, convenience, and value for anyone looking to buy or sell a vehicle.
There are plenty of apps designed to help Canadians manage, transfer, and grow their finances. These money apps span countless categories, including peer-to-peer marketplaces, budgeting tools, cashback programs, survey apps, gig platforms, and more.
Fortunately, we've done the research for you on the best money apps in Canada, so you can focus on selling, saving, and earning.
Methodology
To evaluate money apps, we analyzed over 15 data points to generate our Genius Rating. We consider all aspects of a money app, including fees, savings goals, automated deposits, device availability, customer satisfaction, and promotions, to assess its overall value. Then, the money app’s features are rated based on how they stack up against other available options.
Best buy & sell Apps
Buy & Sell apps act like virtual marketplaces where individuals and businesses can list items for sale, browse offerings, communicate with sellers or buyers, and often complete transactions within the app.
Best money app 2025 winner – Buy from Clutch and Sell to Clutch
Both Buy from Clutch and Sell to Clutch are our picks for the best money app of 2025. In such a broad category it can be hard to pick a winner, but it’s tough to argue with Clutch’s innovative business model, which allows you to sell and purchase cars from start to finish online.
With no additional monthly fees to worry about, cash-based referral bonuses, and a large customer support network, Clutch fills its niche perfectly.
Key Features
- Secure payment integration: Clutch has an integrated payment system for secure transactions, making it perfect for big-ticket items like cars
- User reviews: Both buyers and sellers can leave reviews after a transaction, giving you peace of mind when completing a deal
- Verified products: The cars you can buy from Clutch have been vetted by them.
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Minimum Monthly Fee
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Clutch reinvents the way people buy cars. Browse hundreds of vehicles and schedule delivery for your new car – entirely online (and without worrying about being taken for a ride).
Pros
Cons
Provinces
NB, NS, ON, PE, BC
Eligibility
See Issuer for Details
Why You Want It
$100 GeniusCash + Browse 100s of vehicles with CarFax reports completely online.Special Features
- Entire process is completed online
- Financing available
- Home delivery available
- 10-day money-back guarantee
Minimum Monthly Fee
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Maximum Monthly Fee
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Free Trial Length (Days)
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Type of App
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Available On Windows Desktop?
Available On MacOS
Available On Linux
Available On Android
Available On iOS
Email Support
Live Chat Support
Phone Support
$100 GeniusCash + Browse 100s of vehicles with CarFax reports completely online. Minimum Monthly Fee
N/A
Maximum Monthly Fee
N/A
Free Trial Length (Days)
N/A
Clutch is revolutionizing car buying and selling as Canada’s first and only online car retailer. To date, over 27,000 people have sold their car to Clutch.
Pros
Cons
Provinces
NB, NS, ON, PE, BC
Eligibility
See Issuer for Details
Why You Want It
$100 GeniusCash + Completely online process + $100 prepaid Visa referral bonus offer.Special Features
- Entire process is completed entirely online
- $100 referral bonus for you, $200 towards their sale for your friend/family member
- Cross-province sales
- No mileage restrictions
Minimum Monthly Fee
N/A
Maximum Monthly Fee
N/A
Free Trial Length (Days)
N/A
Type of App
N/A
Available On Windows Desktop?
Available On MacOS
Available On Linux
Available On Android
Available On iOS
Email Support
Live Chat Support
Phone Support
$100 GeniusCash + Completely online process + $100 prepaid Visa referral bonus offer.Facebook Marketplace
Facebook Marketplace is a feature nested in Facebook that lets users buy and sell items locally. You can find just about anything you can think of on Facebook Marketplace, sometimes even free stuff that’s just being given away. It functions like an ad platform, where individuals and businesses can list items, browse listings in their area, and connect with potential buyers or sellers through Facebook Messenger.
Key Features
- Diverse Categories: Lots of categories for listings, with helpful search and filter functionality
- Exclusivity: Each listing is tied to a Facebook profile
- Open Communication: Direct communication between buyer and seller
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Kijiji
Like Facebook Marketplace, Kijiji is another online classifieds platform used to buy and sell items locally. Unlike Facebook Marketplace, Kijiji focuses solely on classified ads across a wide range of categories, from furniture and electronics to jobs and services. Yes, you can find a job on Kijiji.
Key Features:
- Local Focus: Local listings, but you can expand your search or change where you’re looking for listings freely
- Exhaustive Categories: Diverse categories, all with extensive search and filtering options
- Great App: Kijiji has a dedicated classifieds mobile app for easier browsing and posting
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Best Budgeting Apps
Budgeting apps are designed to help you manage your finances by tracking income, expenses, and savings goals. Many large banking institutions have these nested within their banking apps, but there are some great options if you want something more specific to your needs.
Spendee Premium Budget App
Spendee Premium Budget App is a highly-rated budget app with a well-rounded list of features and services. It even lets you connect your crypto wallets alongside bank accounts and credit cards so you can monitor every kind of spending.
Key Features:
- Connections: Add bank accounts credit cards, e-wallets, and even crypto wallets to track spending
- Family Sharing: Create "shared wallets" for finances shared with family members, roommates, etc.
- Data Export: Back up or view your data in CSV or XLS files as often as you like
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You Need A Budget (YNAB)
The YNAB app claims to be different in its educational approach, which focuses on making a plan for your money before you spend it (instead of after it's already been spent, like most budgets). Ultimately, it's all about ending up with more money in your accounts for the most important things to you.
Key Features:
- Zero-based, Goal-oriented Budgeting: Every dollar is assigned a category to ensure you’re budgeting with intent
- Reports and Insights: YNAB can give you real-time expense tracking reports, as well as overviews of your spending habits
- Educational Resources: YNAB approaches budgeting with zero judgement, offering budgeting tips, workshops, and videos to help users better understand personal finance
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EveryDollar
A simple, straightforward budgeting app, EveryDollar also uses the zero-based method to make sure you make every cent in your accounts work for you. It can help you create monthly budgets, track expenses, and set financial goals with a clean and easy-to-use interface.
Key Features:
- Budgeting Simplicity: EveryDollar is very easy to use and understand, making budgeting more accessible for its users
- Expense and Debt Tracking: To keep on top of your goals, EveryDollar helps you track both expenses and debts so you can continue to make progress
- Mobile App and Web Access: Whether you’re using the mobile app or the website, your information gets synced, so nothing gets lost
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Best Investing Apps
Investing apps are mobile and web-based platforms that let users manage and execute their investment strategies, trade securities, and track their portfolios without consulting an advisor. They are designed to give you easy access to markets, even if you don’t have significant experience in investing.
Wealthsimple
Known for its simple, user-friendly interface and its commitment to providing Canadians with easy access to investing, Wealthsimple is a platform that offers a range of services. It includes a robo-advisor to help you make informed investment decisions, but you can also do self-directed investing if you prefer a more hands-off app.
Key Features:
- Choose Your Path: Option to use a robo-advisor or to self-direct your investing
- Crypto-Friendly: Access to cryptocurrencies such as Bitcoin and Ethereum
- No Guilt: Includes socially responsible investment (SRI) options in several different account types (TFSA, RRSP, and so on)
- Maintains Your Tolerance: Automatically re-balances your portfolio to maintain your desired risk level
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QTrade
QTrade is a brokerage app that also offers self-directed investing. Unlike Wealthsimple, QTrade has a reputation for its robust research tools. It’s competitively priced and decent for both beginners and advanced investors.
Key Features:
- Low Commissions: Stock and ETF trades are decently priced
- Research Tools: QTrade lets you see comprehensive market data, research reports, and investment analysis tools to help you make informed decisions
- Self-Directed or Managed: You can choose your path with QTrade, opting to use its robo-advisor or go your own way
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Best Cashback/ Rewards Apps
Cash back and rewards apps let users earn money or rewards by making purchases through affiliated retailers, completing certain tasks (like watching ads), or participating in promotional offers. They’re great if you’re looking to get some value back from your everyday spending and have grown in popularity recently.
GeniusCash
The GeniusCash app is a tool to help you make the most of your spending habits and boost your personal finance knowledge. You can earn cash back rewards, find the right products for you, and learn to handle your money with confidence.
Key features:
- Tailored spending recommendations: Analyzes your daily spending to offer personalized suggestions for maximizing rewards.
- Access exclusive offers: Gives you access to exclusive offers, promotions, and cashback opportunities.
- Boost your financial knowledge: Offers endless ways to enhance your financial knowledge through learning modules.
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Rakuten
Rakuten is the king of cash back apps in Canada. It offers cash back for online and in-store purchases with an extensive network of retailers, including Best Buy, Amazon, Walmart, Hudson’s Bay, and Sephora.
Key Features:
- Big Cash Back Offers: Users can earn 1-10% cash back when they shop using Rakuten’s links.
- Bonus Promotions: Rakuten runs special promotions frequently. They can offer increased cash back or additional bonuses.
- Payment Options: Rakuten pays cash back quarterly via PayPal or a cheque.
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Drop
Drop is a popular app that rewards users for spending money on everyday purchases. Unlike Rakuten, it works by connecting to your debit and credit card and offering points for qualifying purchases, which you can redeem for gift cards, a PayPal payment, or other rewards.
Key Features:
- Point-Based System: With Drop, you earn points for purchases made at partner retailers (like Loblaws, Shoppers, Walmart, and Amazon)
- Link Your Accounts: Drop’s system automatically tracks your purchases to aware points
- Targeted Offers: Drop also gives you personalized offers based on your spending habits and can even get you special promotions or deals for your favourite brands
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Caddle
Caddle is a grocery cash back app allowing you to browse weekly offers. After you make a purchase, you simply scan and upload your receipt to claim the offer. Payout also happens via cheque once your account balance hits $20 or more. It’s great for users who enjoy a little bit more interaction with their money apps.
Key Features:
- Receipt Scanning: You can earn cash back by uploading the receipts from grocery purchases – some products offer high cash back returns
- High Engagement: Caddle invites you to participate in surveys, tasks, and product trials that can all earn you value
- Easy Redemptions: Caddle can pay you out with PayPal or with gift cards to your favourite retailers
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Best Survey Apps
You may have seen ads for survey websites and apps if you’ve been on the web recently. Online survey apps are great for earning rewards simply by sharing your opinions on various topics of interest through surveys. It’s a great way to earn a few bucks in your downtime.
Swagbucks
Swagbucks has recently risen in popularity and offers a variety of ways to earn points (Swagbucks) through surveys, watching videos, shopping, and more. It’s widely used in Canada and globally.
Key Features:
- Multiple Earning Methods: More than just surveys, you can earn points by shopping online, watching videos, playing games, and so on
- Daily Goals: Daily point goals allow you to earn bonuses for hitting certain milestones
- Two Redemption Methods: You can redeem your points for cash on PayPal or gift cards
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Google Opinion Rewards
Google Opinion Rewards is Google’s survey site for gathering user feedback. Complete short surveys to earn rewards, like Google Play credit. These surveys can include everything from opinion polls to hotel reviews and merchant satisfaction surveys. The surveys are usually based on your recent visits to stores and locations – so if sharing that personal information makes you uncomfortable, you may want to skip this one. With that said, the surveys are generally short and sweet.
Key Features:
- Quick Surveys: It’s easy to keep the ball rolling with surveys when they’re fast to do
- Location-Based Surveys: Surveys will generally be relevant to you because you’ve been to the places the survey’s asking about
- Two Ways To Redeem: You can use your points to get cash with PayPal, or you can get some Google Play Credits
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Qmee
Qmee surveys focus mostly on market research for brands. The app sets you up to earn real cash by browsing the web, answering questions, and sharing your opinions on the brands you already love.
You can also earn cash while going about your daily online searches using the free Qmee browser app.
You can instantly receive your rewards by withdrawing the earned cash directly into a PayPal account – a pretty convenient option. You can also redeem for gift cards.
Key Features:
- Multiple Earning Opportunities: You can use Qmee’s search engine, complete surveys, and shop online to earn rewards
- Instant Cash Rewards: You can get cash rewards via PayPal or gift cards right away, and there’s a low minimum payout ($1)
- Referral Program: You can earn more when you rope your friends in
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Best Shopping Apps
Shopping apps let users browse, shop, and purchase products or services directly from their mobile devices. Shopping and coupon apps are a dime a dozen out there, but some truly unique apps are great to use if you’re trying to save some money.
Too Good to Go
Too Good to Go is an app designed to reduce food waste by connecting users with local restaurants and grocery stores that have unsold food at the end of the day. Through the app, you can buy their surplus at an extremely affordable price, with discounts of 50% off in most cases.
Key Features:
- Food Rescue: You’re buying good food that would otherwise be tossed into the garbage
- Surprise Bags: Most restaurants and stores offer surprise bags, so you never know exactly what you’re going to get (but you can select a meal type)
- Cost Savings: The food is sold at extremely low prices
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Flipp
Flipp is a Canadian coupon app that helps you find mindblowing deals to keep cash in your wallet. The app neatly combines all the available flyers in your local area so you don't have to flip through dozens of different store flyers to check for the best deals and discounts.
It also allows you to set notifications for expiring offers to stay on top of the daily saving possibilities.
Key Features:
- Digital Flyers: You get to see flyers and promotional ads from multiple retailers in one spot
- Coupons and Deals: You get access to coupons, promotions, and discounts for a variety of stores
- Shopping Lists and Personalized Alerts: You can create your own lists and alerts to help you stay organized and track savings
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ShopSavvy
ShopSavvy is a barcode-scanning app that helps users find the best prices by comparing prices across multiple online and brick-and-mortar retailers. The idea is that you scan barcodes to find deals and read online reviews of the product, which can help shoppers make informed decisions about their purchases.
Key Features:
- Barcode Scanning: You can quickly scan a barcode to compare prices across retailers
- Price Alerts: You can set up your own alerts for when an item reaches a desired price point
- In-Store and Online Comparison: You get to see prices for the item for online and in-person stores, and its reviews
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Best Crypto Apps
Crypto apps are great for buying, selling, storing, and managing all kinds of cryptocurrencies. They will typically provide access to various digital assets (Bitcoin and Ethereum, to name a few), track prices, and offer wallets for storage. Often, these apps will also come with features like staking and portfolio management.
Coinbase
Coinbase is one of the most popular cryptocurrency exchange apps, allowing users to buy, sell, and store a wide range of cryptocurrencies (so your favourite altcoins may work with Coinbase). It’s very user-friendly and is often recommended for beginners to get into crypto.
Key Features:
- Wide Selection of Crypto: Coinbase supports hundreds of currencies
- User-Friendly Interface: Coinbase is simple and designed intuitively, making it easy for new crypto enjoyers to use
- Educational Resources: Since Coinbase is tailored to newbies, it offers robust educational resources to help users learn about crypto (and will often reward you for completing lessons)
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Shakepay
Shakepay is a Canadian crypto app that allows users to buy, sell, and store Bitcoin and Ethereum. It’s simple and quick, offering a no-frills experience for all Canadian users.
Key Features:
- Instant Verification: The onboarding process and verification is immediate
- Shakepay Shake: Fun feature that you can shake your phone once per day to earn small amounts of Bitcoin for free
- Crypto-to-Fiat: Convert crypto to CAD and withdraw to a linked bank account as you like
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Bitbuy
Another Canadian crypto app, Bitbuy allows users to buy, sell, and trade various cryptocurrencies. It’s known for its simple interface and is a good choice for beginners and experienced traders.
Key Features:
- Variety of Cryptos: Bitbuy supports Bitcoin, Ethereum, Litecoin, and several altcoins
- Fiat Integration: Easy deposits and withdrawals in CAD with options for e-transfer, wire, etc.
- Advanced Trading Features: Bitbuy offers features like orders and charts for technical analysis for more experienced traders
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Best Sub-Management Apps
In 2024, the subscription economy is rampant. It’s easy to lose track of what you’re paying for - and that’s where sub-management apps come in. These apps will help you track your recurring subscriptions and provide insights into what you pay for every month. Many of these apps can also help you cancel your unwanted subscriptions or negotiate better deals for existing ones. Unfortunately, these apps haven’t made a huge break into Canadian markets, so we have limited options.
SubX
SubX is a comprehensive sub-management app that helps Canadians track subscriptions and get personalized financial insights all in one spot. Regarding its services and ease of use on an app, it is the best sub-management app currently available in Canada.
Key Features:
- Manual Subscription Entering: You add all your subscriptions into the app, even make custom ones, and it will track all of your spending
- Customized Alerts: SubX will remind you of upcoming payments and price increases on services it tracks (such as Netflix)
- Exclusive Discounts: SubX regularly offers discounts to its users
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TrackMySubs
TrackMySubs is a Canadian sub-management site that helps Canadians get detailed reports on recurring charges. It is web-based and supports multiple currencies.
Key Features:
- SubTracking and Management: You can manually input all your subscriptions and track them – no need for bank account linking
- Reporting: TrackMySubs gives detailed reports on where your money is going every month
- Custom Alerts: You get notifications about upcoming bills, payments, and sub renewals
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Best Gig Work Apps
Gig work apps are great for people looking for something to do on the side to help supplement their income. If you have a heartbeat – or a car – you could be sitting on a steady stream of supplemental income. Sometimes, people can even turn these apps into their full-time jobs!
Doordash
DoorDash is a delivery platform that connects drivers (Dashers) with customers who want food delivered from local restaurants. It is popular due to its flexibility, allowing Dashers to choose when, where, and how much they want to work. If you live in an urban area with a high demand for food delivery services, you may want to consider giving DoorDash a shot.
Key Features:
- Flexible Scheduling: Dashers can choose when they want to work and can work as much or as little as they want to
- Earnings Per Order: Dashers are paid per delivery and can earn tips, bonuses, and other incentives based on factors like distance, delivery time, and the size of the order
- Peak Pay: During busy hours, DoorDash offers higher pay, and you can track the extra amount you’ll earn in real-time
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Instacart
Instacart is a grocery delivery and pick-up service where shoppers can pick up and deliver groceries straight to buyers’ homes from local stores. There are two roles with Instacart: Full-service shoppers (who handle the delivery and the shopping), and then in-store shoppers (who only do the shopping). If you’re one of the quirky few who enjoy grocery shopping, this app is for you.
Key Features:
- Flexible Hours: You can choose your own schedule
- Full-Service or In-Store: You can choose to be a Full-service Shopper or an In-store shopper – though Full-service Shoppers may have more opportunities to earn
- Paid Per Order: You’re paid by the order with the potential for tips, plus additional bonuses for busy times and peak hours
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Uber/Uber Eats
Uber is the ridesharing app known for re-imagining the taxi service available in most cities. It’s since branched out to food and grocery delivery with its app UberEats. Uber is a good option for people who want to choose between ridesharing or delivery or prefer a broader range of gig work options.
Key Features:
- Ridesharing or Food Delivery: You can choose which version of Uber you want to use. By the way, you can still use Uber Eats if you do not have a car
- Insurance: Uber provides commercial insurance coverage while you’re driving, which is especially vital for drivers
- Flexible Work: Like other gig work apps, you have the flexibility to make your own schedules, but also you can choose which app you work for
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Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
FAQ
What are the best money making apps?
The best money making app is the app that works best for you. Survey apps for example, won’t make you rich, but they can easily earn you some extra cash that you can then redirect to invest in stocks, or simply buy yourself something special. The same goes for any cash back app.
Are survey apps safe and legit?
Most highly rated survey apps (and other money making apps) are going to be safe and legit. With that said, it's important to always do your own research before you go installing any new shiny app that comes along.
What are the best money saving apps?
Your best bet to save money is having a robust budgeting plan in place. Budget apps can be your best friend in assisting you to keep track of your daily budget, and in making sure your monthly budget doesn’t get blown out of the water by splurging on items you actually never needed. Just like with the best money making app, the best savings app is the one that works best for you.
Can you recommend a money management app?
There are plenty of money management apps out there, but we recommend YNAB. It has unique features to help you track your spending and saving goals.
Find more software & services products
Interested in more apps and services to change your personal finance situation for the better? Check out more top rated products here:
