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Minimum Interest Rate
0.3%
Maximum Interest Rate
1.5%
Balance Required For Maximum Interest Rate
$1,000,000.01
2.4 Genius Rating
4.3 (3) User Reviews

With a promotional interest rate of 4.6% for the first 5 months, opening a Simplii High Interest Savings Account is certainly an enticing option. You’ll also get no monthly fees, free transfers to other Simplii accounts, and CDIC protection from CIBC.

Pros
  • 4.6% interest for the first 5 months
  • No monthly fees
  • $125 friend referrals available
  • Backed by CIBC bank
Cons
  • 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
Provinces
AB, BC, MB, NL, NB, NU, NT, NS, ON, PE, SK, YT
Eligibility
  • Resident of Canada
  • Age of majority
Why You Want It
Get a 4.6% special interest rate + $125 refer-a-friend bonus.
Special Features
  • Refer a friend for $125
  • Very impressive promo interest rate
# Of Free Transactions
0
# Of Free Interac E-Transfers
0
Max Promotion Rate
4.6%
Welcome Bonus Value
N/A
Promo End Date
July 31, 2026
 
Minimum Balance To Waive Fee
$0
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
2.7 Genius Rating
3.8 (14) User Reviews

With the Simplii No Fee Chequing Account, you get free daily banking. That includes unlimited free transactions, no minimum balance, and no monthly fee. What more could you ask for? You can even earn interest on your balance.

Pros
  • 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
Cons
  • Going into overdraft can be costly
  • Extra fees on non-affiliated and international ATMs
  • No extra bells and whistles
  • Not available in Quebec
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
  • Resident of Canada
  • Age of majority
Why You Want It
Earn $300 and a $50 Skip gift card + Unlimited free transactions for no monthly fee.
Special Features
  • Free access to CIBC ATMs
  • Send money internationally for free
  • Valuable referral bonuses
Minimum Balance To Waive Fee
$0
# 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
$300
Promo End Date
September 30, 2026
Physical Locations
No
Automatic Budgeting System
No
Minimum Interest Rate
0.01%
Earn Rewards On Debit Purchases
No
Free Cheques
Yes
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
No
Other Discounts
No
 
Monthly Fee
$0
Mobile App
No
Available Retailers Estimate
20
Minimum Balance To Cash Out
$0
5.0 Genius Rating
0.0 (0) User Reviews

GeniusCash is a cash back program that rewards users for subscribing to many of the products and services they use on a regular basis. Plus, its new GeniusCash mobile app makes it easier than ever to bank real cash and level up your rewards.

Pros
  • New industry-leading mobile app
  • Up to $250 cash back
  • Flexible payout options
  • Bi-weekly payouts
Cons
  • Cash back bonuses are harder to get
  • Only a limited amount of offers available
  • No cash bonus on sign up
Provinces
ALL
Eligibility
  • Age of majority
  • Eligible to receive select Canadian credit cards
Why You Want It
Earn up to $250 in bonus cash back + Level up your money & rewards.
Special Features
  • Up to $250 in bonus cash back
  • Easy to use mobile app for even more deals and exclusive offers
  • Payments are made directly to you via PayPal or Interac e-Transfer
  • Referral bonuses available via the GeniusCash app
Monthly Fee
$0
Mobile App
No
Available Retailers Estimate
20
Pay Via Cheque?
No
Pay Via PayPal?
Yes
Pay Via Amazon?
No
Pay Via Gift Cards?
No
Pay Via Electronic Fund Transfer?
Yes
Minimum Balance To Cash Out
$0
Pay Frequency
After a certain amount of time
Limited Payment Wait
Biweekly
Welcome Bonus
$0
Welcome Bonus End Date
N/A
Refer A Friend Offer
See Issuer for Details
 
# Of Lenders
100+
New Mortgage
Yes
Refinance
Yes
Switch Lenders
Yes
5.0 Genius Rating
0.0 (0) User Reviews

Breezeful is an online mortgage broker, which can sometimes be quicker than traditional methods while finding you a better rate. Their algorithm sifts through the various rates and options available to show you the best rates available, but of course there's no guarantee that you'll actually qualify for them.

Pros
  • Instant quotes are available
  • Dedicated mortgage expert
  • Over 100 lenders
Cons
  • Application process isn't entirely digital
  • Appointment with a specialist is required
  • Starts to pester you almost instantly
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Compare offers from 100+ lenders + Work with a dedicated mortgage expert.
Special Features
  • Refer a friend program
# Of Lenders
100+
Pre-approval
Yes
Instant Quotes
Yes
New Mortgage
Yes
Refinance
Yes
Switch Lenders
Yes
Personal Support
Yes
Online Support
Yes
Phone Support
Yes
Text Support
No
Fees?
0
 
# Of Lenders
30+
New Mortgage
Yes
Refinance
Yes
Switch Lenders
Yes
0.8 Genius Rating
2.8 (5) User Reviews

Homewise brings the entire mortgage application process online, making it faster, less stressful, and more transparent. Whether you're looking for a pre-approval, refinance, or to switch lenders, Homewise can help you save money and find the best mortgage for you.

Pros
  • Get $250 GeniusCash when you fund your mortgage
  • Easy online application process
  • Faster responses than traditional banks and lenders
  • Get the best mortgage for you from over 30 different lenders
  • Works for new mortgages, refinancing, or switching lenders
  • Top of the line support with a human touch
Cons
  • Application process requires a LOT of personal information
  • No face to face support available
  • A credit check is required when you apply for a mortgage
Provinces
AB, ON, BC, PE, MB, SK, NB, YT, NL, NU, NT, NS
Eligibility
  • Canadian citizen or resident of Canada
Why You Want It
$250 GeniusCash + Get the best mortgage rate with your personal advisor + Easily close online.
Special Features
  • Personal advisor will help you get approved
  • Can help people who are self-employed or have bad credit find mortgages
  • Works with the Habitat for Humanity charitable organization
# Of Lenders
30+
Pre-approval
Yes
Instant Quotes
Yes
New Mortgage
Yes
Refinance
Yes
Switch Lenders
Yes
Personal Support
Yes
Online Support
Yes
Phone Support
Yes
Text Support
Yes
Fees?
0
 
Minimum Investment
$0
Minimum Fees
N/A
Maximum Fees
$20 a month
Withdrawal Fees?
$false
3.2 Genius Rating
5.0 (1) User Reviews

Moka is a modern and simple approach to investing, designed to keep you on track to your future with an easy-to-use managed portfolio. By following the S&P 500, your money is taken care of by experts without all the complication of hands-on investing. You'll also help make a positive impact on the environment, thanks to automatic contributions to forest restoration projects.

Pros
  • Set up recurring deposits to boost your account
  • Easily follow expert-approved investment strategies
  • Automatically do your part for the environment
Cons
  • Be aware of MER fees
  • Transfer fees up to $50 on RRSP withdrawals
Provinces
ALL
Eligibility
  • Age of majority
Why You Want It
Auto invest in your future with expert-approved portfolios + Low monthly fee.
Special Features
  • Passively invest in your future and the environment
  • Easily follow expert-approved investment strategies
Types Of Accounts
  • Non-registered
  • TFSA
  • RRSP
Minimum Investment
$0
Minimum Balance For Minimum Fee
$0
Minimum Deposit To Cover Transfer Fee
$15,000
Socially Responsible Investing Options
Yes
Email Support
Yes
Live Chat Support
Yes
Phone Support
No
Average MER
0.24%
Minimum Fees
N/A
Maximum Fees
$20 a month
Cover Transfer Fees?
Yes
Maximum Covered Transfer Fee
$150
Promotion
N/A
Promotion End Date
N/A
 
Min Monthly Fee
US$4.99
Max Monthly Fee
US$7.49
Number Of Users Included
1-10
Can Be Used For All Devices
Yes
2.7 Genius Rating
0.0 (0) User Reviews

Dashlane offers private and secure password management that works on most operating systems and browsers and will even sync between devices. And it's not just for passwords – Dashlane will also store and sync your payment information (like credit cards) and personal details, filling those in whenever you need them.

Pros
  • High grade security
  • Not just for passwords
  • 30 day premium free trial
  • Email and live chat support
  • Different versions available
Cons
  • Recent switch from app to the cloud is getting poor reviews
  • The free version has been discontinued
  • Live chat support is limited
  • Documentation isn't great
Provinces
ALL
Eligibility
N/A
Why You Want It
Get top-tier password security + Choose from personal or business plans.
Special Features
  • Top of the line privacy
  • Security breach alerts
  • Form autofill
Min Monthly Fee
US$4.99
Max Monthly Fee
US$7.49
Number Of Users Included
1-10
Can Be Used For All Devices
Yes
Generates Passwords
Yes
Multi Factor Authentication Supported
Yes
Ability To Share Passwords With Others
Yes
 
Min Monthly Fee
$0.00
Max Monthly Fee
$5.50
Number Of Users Included
1-6
Can Be Used For All Devices
Yes
3.5 Genius Rating
0.0 (0) User Reviews

LastPass is a popular password management tool available for Canadians. Even if you only opt for the free version, you'll be able to store an unlimited amount of passwords, which can be automatically generated for extra protection. Unfortunately, you'll only be able to access your passwords on one device, unless you pay for the premium plan.

Pros
  • Free version available
  • Family plan available
  • Dark web monitoring with premium plan
  • 1GB of encrypted storage with premium plan
  • Easily share passwords without compromising them
Cons
  • No email support for free users
  • Limited access to passwords for free users
Provinces
ALL
Eligibility
N/A
Why You Want It
Safely store all of your passwords + Share passwords with premium plan.
Special Features
  • Business, single user, and family plans available to easily share passwords
  • Premium plan includes dark web monitoring, 1GB storage, and priority tech support
Min Monthly Fee
$0.00
Max Monthly Fee
$5.50
Number Of Users Included
1-6
Can Be Used For All Devices
Yes
Generates Passwords
Yes
Multi Factor Authentication Supported
Yes
Ability To Share Passwords With Others
Yes
 
Min Monthly Fee
US$2.99
Max Monthly Fee
US$7.99
Number Of Users Included
1-5
Can Be Used For All Devices
Yes
2.2 Genius Rating
2.5 (2) User Reviews

1Password is a simple and secure service that lets you generate, store, and sync passwords for all of your apps across all of your devices. Initially released in 2006, 1Password has since grown to support millions of users, and has expanded its product to include more tools to help protect users, including security breach alerts, phishing protection, and protection against keylogger software.

Pros
  • Top of the line privacy and security
  • Security breach alerts
  • Phishing and keylogger protection
  • Automatically scrubs your clipboard
  • Available for most operating systems, devices, and browsers
Cons
  • Free trial is only 14 days
Provinces
ALL
Eligibility
N/A
Why You Want It
Master impenetrable passwords + Access them from any device, anywhere.
Special Features
  • Top end privacy controls
  • Form autofill
  • Security breach alerts
  • Phishing and keylogger protection
Min Monthly Fee
US$2.99
Max Monthly Fee
US$7.99
Number Of Users Included
1-5
Can Be Used For All Devices
Yes
Generates Passwords
Yes
Multi Factor Authentication Supported
Yes
Ability To Share Passwords With Others
Yes
 
Accident Benefits / Bodily Insurance
Yes
Emergency Road Service
Yes
Accident Forgiveness
Yes
Replacement Value For Total Loss
Yes
3.8 Genius Rating
1.4 (21) User Reviews

CAA Auto Insurance is one of several products offered by CAA (Canadian Automobile Association), a well-recognized brand in Canada that provides members with automobile, travel, and insurance services. CAA members also enjoy exclusive rewards, perks, and discounts as part of their membership.

Pros
Cons
Provinces
BC, MB, NB, PE, SK, NS
Eligibility
See Issuer for Details
Why You Want It
Get comprehensive coverage options + Access discounts with membership.
Special Features
  • CAA Member discount
  • CAA Auto and Home bundle discount
  • CAA MyPace for pay-as-you-go coverage
  • Electronic proof of auto insurance feature
Liability Insurance
Yes
Accident Benefits / Bodily Insurance
Yes
Collision Insurance
Yes
Comprehensive Insurance
Yes
Emergency Road Service
Yes
Uninsured Motorist Coverage
See Issuer for Details
Direct Compensation Property Damage
Yes
All Perils
Yes
Specified Perils
Yes
Accident Forgiveness
Yes
Replacement Value For Total Loss
Yes
Family Protection
See Issuer for Details
New Vehicle Protection / Depreciation
Yes
Loss Of Vehicle Use Endorsement
Yes
Rented Or Borrowed Car Protection
Yes
Ride Sharing
No
Conviction Protection / Ticket Forgiveness
Yes
Disappearing Deductible
See Issuer for Details
 

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