Financial Product 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.
- 4.6% 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
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.
- 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
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.
- New industry-leading mobile app
- Up to $250 cash back
- Flexible payout options
- Bi-weekly payouts
- Cash back bonuses are harder to get
- Only a limited amount of offers available
- No cash bonus on sign up
- Age of majority
- Eligible to receive select Canadian credit cards
- 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
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.
- Instant quotes are available
- Dedicated mortgage expert
- Over 100 lenders
- Application process isn't entirely digital
- Appointment with a specialist is required
- Starts to pester you almost instantly
- Refer a friend program
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.
- 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
- 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
- Canadian citizen or resident of Canada
- 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
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.
- Set up recurring deposits to boost your account
- Easily follow expert-approved investment strategies
- Automatically do your part for the environment
- Be aware of MER fees
- Transfer fees up to $50 on RRSP withdrawals
- Age of majority
- Passively invest in your future and the environment
- Easily follow expert-approved investment strategies
- Non-registered
- TFSA
- RRSP
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.
- High grade security
- Not just for passwords
- 30 day premium free trial
- Email and live chat support
- Different versions available
- 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
- Top of the line privacy
- Security breach alerts
- Form autofill
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.
- 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
- No email support for free users
- Limited access to passwords for free users
- Business, single user, and family plans available to easily share passwords
- Premium plan includes dark web monitoring, 1GB storage, and priority tech support
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.
- 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
- Free trial is only 14 days
- Top end privacy controls
- Form autofill
- Security breach alerts
- Phishing and keylogger protection
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.
- CAA Member discount
- CAA Auto and Home bundle discount
- CAA MyPace for pay-as-you-go coverage
- Electronic proof of auto insurance feature










