Financial Product Reviews

3.5 Genius Rating

1.1 (8) User Reviews

If you’re looking for a simple, straightforward bank account that happens to earn you PC Optimum points, look no further than the PC Money Account. It shares some similarities with a chequing account, but avoids all monthly fees and includes unlimited transactions.

Pros

No fees for transactions or e-Transfers
Unlimited transactions
Works like a prepaid Mastercard
Optional savings feature with interest

Cons

No option to use cheques
Can't deposit cash or cheques at ATMs
Annoying $20 inactivity fee

Provinces

ALL

Eligibility

Resident of Canada
At least 16 years old

Why You Want It

Earn 5 PC Optimum points per $1 spent everywhere + No monthly fees.

Special Features

Earns at least 5 PC Optimum points per $1 spent
Access to PC Financial ATMs
Earn up to 5,000 monthly bonus points when you deposit your payroll
Earn up to 5,000 bonus points for making monthly bill payments

Minimum Balance To Waive Fee

N/A

# Of Free Monthly Transactions

Unlimited

# Of Free Monthly Interac E-Transfers

Unlimited

Monthly Fee

$0.00

Excess Transaction Fee

N/A

Excess Interac E-Transfer Fee

N/A

Maximum Credit Card Annual Fee Waiver

N/A

Maximum Welcome Bonus

N/A

Promo End Date

See Issuer for Details

Physical Locations

Automatic Budgeting System

Minimum Interest Rate

2.2%

Earn Rewards On Debit Purchases

Free Cheques

Free Bank Drafts

Max Rebates For Other Accounts

N/A

Discounts For Seniors

Discounts For Youth

Other Discounts

Minimum Investment

Maximum Stock Fee

Maximum ETF Fee

Account Maintence Fees

4.5 Genius Rating

2.0 (4) User Reviews

The National Bank Direct Brokerage is one of the top-rated online brokers in Canada, thanks to its competitive fee structure, library of training sessions and tips, and the security offered by a major financial institution. This was the first online trading platform to offer commission-free for stocks and ETF trades in Canada, and its recently launched mobile app makes National Bank Direct Brokerage even more convenient for trading on the go.

Pros

No trading fees to worry about
Webinars, training sessions, and analysis tools
Backed by a solid financial institution

Cons

Surprisingly large administration fee

Provinces

ALL

Eligibility

Be a Canadian resident

Why You Want It

$0 commission on all transactions + No minimum balance to get started.

Special Features

Market-Q, Options Play, Decisions-Plus and more tools available
Several types of accounts and products to choose from
Access to a range of tools, webinars, and tutorials on investing

Types Of Accounts

RRSP
TFSA
Cash
Margin
Short-selling
RESP
Spousal RRSP
RRIF
Spousal RRIF
RESP
FHSA

Types Of Investments

Equities
ETFs
Options
Mutual funds
Bonds
Exchange-traded debentures
GICs
Linked notes

Minimum Investment

Email Support

Live Chat Support

Phone Support

Minimum Stock Fee

Maximum Stock Fee

Minimum ETF Fee

Maximum ETF Fee

Active Trader Stock Fee Per Trade

N/A

Cover Transfer Fees?

Minimum Deposit To Cover Transfer Fee

$20,000

Maximum Covered Transfer Fee

$150

Withdrawal Fees?

Account Maintence Fees

Inactivity Fee Amount

Promotion Description

N/A

Promotion Max Value

N/A

Promotion Requirements For Max Value

N/A

Promotion End Dates

N/A

Flexible Terms

Minimum Loan Amount

N/A

Maximum Loan Amount

N/A

APR Range

N/A

3.8 Genius Rating

0.0 (0) User Reviews

An RBC personal loan is one offered by the Royal Bank of Canada, which is the largest bank in the country. Applying for a personal loan can be a way to achieve the funds you need for things like home renovations, buying a car, consolidating your debt, etc. And since RBC is such a Canadian powerhouse, it can be a good choice for those looking for a financial institution that'll provide peace of mind along with a personal loan.

Pros

Flexible loan terms
Several options for payment frequency
Can easily make changes online

Cons

Very little information online
No help options via email or instant chat

Provinces

ALL

Eligibility

Canadian citizen or permanent resident
Age of majority in your province
Valid bank account
Meet income and credit score requirements

Why You Want It

No early prepayment penalties + Skip a monthly payment once a year.

Special Features

See Issuer for Details

Pre-approval

Flexible Terms

Loan Amounts

N/A

APR Range

N/A

Term Range

N/A

Minimum Credit Score

N/A

Secured Available

Min Fee

$139

Max Fee

$199

Free Will Updates

Create A Record Of Your Assets

5.0 Genius Rating

4.6 (5) User Reviews

Ever wondered what an online will service look like if it were designed by actual estate planning lawyers? Epilogue Wills is the brainchild of Daniel Goldgut and Arin Klug, a couple of lawyers who saw a niche market opportunity and decided to go for it.

Pros

Get a $40 GeniusCash bonus when you create your Will
More affordable than traditional methods
Saves time and is easy to use
Created by experts in the industry
Create a social media Will
First Will platform to let you name a professional trust company as executor

Cons

Not appropriate for those with complicated finances
Information centre isn't all that helpful
Unavailable in certain provinces

Provinces

AB, BC, MB, NB, NL, NS, ON, PE, SK

Eligibility

Age of majority
Canadian resident (except in Quebec or territories)

Why You Want It

$40 GeniusCash + Easily create your customized Will online + Unlimited free updates when you need them.

Special Features

Convenient and legally binding service
Update for free whenever you like
Option to create Incapacity Documents alongside your Will
Partnership with RBC

Min Fee

$139

Max Fee

$199

Free Will Updates

Create A Record Of Your Assets

Abilty To Register Your Will With The Canada Will Registry

Create Incapacitation Documents

Rate Type

Fixed Closed

Rate Guarantee (days)

150

Posted Closed Rates

2 year: 6.91%
3 year: 4.05%
4 year: 4.47%
5 year: 3.89%
7 year: 5.94%
10 year: 6.14%

3.5 Genius Rating

3.7 (3) User Reviews

Since we do just about everything online these days, the brains behind nesto figured we should be able to get mortgages online too, so they created a convenient platform for doing just that. Whether you're looking for a new mortgage, or even to refinance, nesto can help.

Pros

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

Cons

Speaking to a human, in person, isn't an option
Doesn't yet have a well-established reputation

Provinces

ALL

Eligibility

Age of majority in your province
Canadian citizen or resident

Why You Want It

Get the lowest rate guaranteed + 150 day rate lock

Special Features

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

Rate Type

Fixed Closed

Pre-approval

Rate Guarantee (days)

150

Bank Prime Rate

4.45%

# Of Prepayments Allowed Per Year

See Issuer for Details

% Of Prepayment Allowed

20%

# Of Payment Increases Allowed Per Year

See Issuer for Details

Max Payment Increase Allowed

20%

Promotion Available

N/A

Promotion End Date

N/A

Min Fee

$99

Max Fee

$329

Free Will Updates

Create A Record Of Your Assets

1.5 Genius Rating

0.0 (0) User Reviews

With Willful, you can create a legally valid will online starting at just $99. It's not only cheaper than going to see a lawyer, it's much more convenient.

Pros

Low cost
Two plans to choose from
Save on wills when you get 2

Cons

Not available in the territories
Missing some extras provided by competitors

Provinces

AB, BC, MB, NB, NS, ON, SK, QC, PE, NL

Eligibility

See Issuer for Details

Why You Want It

Create a legally binding will for just $99

Special Features

Update documents for free at any time
Offers gift cards to give to loved ones
Create your will for as low as $99

Min Fee

$99

Max Fee

$329

Free Will Updates

Create A Record Of Your Assets

Abilty To Register Your Will With The Canada Will Registry

Create Incapacitation Documents

Min Monthly Fee

$29.99

Max Monthly Fee

$42.99

Ads In Min Monthly Fee

See Issuer for Details

Estimated # Of Shows/Movies

N/A

2.1 Genius Rating

1.1 (44) User Reviews

Sportsnet+ is Rogers Media’s live sports streaming service, launched in 2016 as an extension of the Sportsnet brand that’s been a staple in Canadian sports broadcasting since 1998. Designed for fans who want to cut the cord, Sportsnet+ gives subscribers access to live NHL, MLB, NBA, and other major league games, plus an impressive lineup of women’s sports including the WNBA, FA Women’s Super League, and FIBA competitions.

Pros

Several packages and pricing options available
Impressive coverage of women's sports
Wide variety of devices you can watch on
Content that isn't just games

Cons

Lack of NFL coverage
There's no Sportsnet+ free trial
Watch out for blackouts

Provinces

ALL

Eligibility

See Issuer for Details

Why You Want It

Includes live streams of NHL, MLB, and NBA + Starts at $29.99 a month.

Special Features

Available for free through some cable providers
Replay and restart options in case you miss something
Additional on-demand content

Min Monthly Fee

$29.99

Max Monthly Fee

$42.99

Ads In Min Monthly Fee

See Issuer for Details

Watch On Smart TVs

Watch On Phones/Tablets

Watch On Computer

Watch On Game Consoles

In-House Content

See Issuer for Details

Kids Programming

Live Sports

Number Of Screens That Can Watch At Once

Estimated # Of Shows/Movies

N/A

Option To Add More Users

Pay An Annual Fee For A Discount

Current Promo

N/A

Promo End Date

N/A

Min Monthly Fee

N/A

Max Monthly Fee

$14.99

Ads In Min Monthly Fee

Estimated # Of Shows/Movies

260

4.2 Genius Rating

5.0 (1) User Reviews

Apple TV+ is a top-notch streaming service. Until recently, every TV show, every movie, every documentary, and every single program was an original, made by Apple exclusively for this platform. Recent licensing deals have added new movies from Universal Studios, Sony, and others, and users can stream MLB game streams too.

Pros

Very reasonable pricing
Lengthy trial with new Apple device purchases
Excellent exclusive programming
Live MLB streaming

Cons

Lack of subscription term options
Comparatively small content collection
Tricky to stream to Chromecast

Provinces

ALL

Eligibility

See Issuer for Details

Why You Want It

Get a 7-day free trial + Bundle with other Apple services for savings.

Special Features

Extensive original programming
Live MLB game coverage
3 months free service with purchase of a new Apple device
Can be bundled with other Apple subscription services for a lower price

Min Monthly Fee

N/A

Max Monthly Fee

$14.99

Ads In Min Monthly Fee

Watch On Smart TVs

Watch On Phones/Tablets

Watch On Computer

Watch On Game Consoles

In-House Content

Kids Programming

Live Sports

Number Of Screens That Can Watch At Once

Estimated # Of Shows/Movies

260

Option To Add More Users

Pay An Annual Fee For A Discount

Current Promo

N/A

Promo End Date

N/A

Monthly Fee

N/A

Mobile App

Available Retailers Estimate

1,500

Minimum Balance To Cash Out

4.5 Genius Rating

0.0 (0) User Reviews

Earning gift cards and extra cash is pretty simple with Swagbucks. In fact, it's one of the most popular cash back sites out there. By completing tasks and doing everyday things – like surfing the net, playing games, shopping online, etc. – you can earn gift cards, PayPal cash, and other sweet prizes.

Pros

A surprisingly long list of ways to earn
Opportunities for bonuses
Impressive list of gift card options
Handy browser extension

Cons

No Interac e-Transfer options for cash-out
Harder, longer tasks sometimes have small payouts

Provinces

ALL

Eligibility

Age 13+

Why You Want It

Earn free gift cards for shopping online + Also earn for web searches and games.

Special Features

See Issuer for Details

Monthly Fee

N/A

Mobile App

Available Retailers Estimate

1,500

Pay Via Cheque?

Pay Via PayPal?

Pay Via Amazon?

Pay Via Gift Cards?

Pay Via Electronic Fund Transfer?

Minimum Balance To Cash Out

Pay Frequency

Whenever you want

Limited Payment Wait

N/A

Welcome Bonus

$10

Welcome Bonus End Date

N/A

Refer A Friend Offer

10%

Min Monthly Fee

$9.99

Max Monthly Fee

$12.49

Ads In Min Monthly Fee

Estimated # Of Shows/Movies

1,300

4.2 Genius Rating

0.0 (0) User Reviews

Crunchyroll is made for anime lovers. Although it is an independently run company, the organization is a partnership between Sony Pictures in the U.S. and Aniplex in Japan. This streaming platform claims to be the service with the largest collection of anime, but it also offers much more than just videos – you'll also find a blog, chat forums, digital manga, and more.