Earn the most rewards on your spending with the NEW GeniusCash app

Financial Product Reviews

Rewards
Filter By Type
Availability By Province
Filter By Company
Sort By
Mid-market Exchange Rate?
Yes
Hidden Fees?
No
Example Fees For $1,000
  • USD: $3.87
  • INR: $3.03
  • AUD: $3.87
  • GBP: $3.87
  • JPY: $10.33
Transfer Limits
  • $5,000 daily
  • $15,000 monthly
3.0 Genius Rating
0.0 (0) User Reviews

Instead of standing in line at the bank, KOHO International Money Transfer offers easy, reliable international money transfers with no hidden fees, lightning-fast 30-minute money transfers to a number of countries, and excellent exchange rates.

Pros
  • Low, transparent fees
  • Live exchange rates
  • Fast transfer times
Cons
  • Transfer limits
  • Requires a KOHO prepaid card
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Get access to cheap and quick international money transfers from a KOHO account.
Special Features
  • Live exchange rates
Mid-market Exchange Rate?
Yes
Hidden Fees?
No
Example Fees For $1,000
  • USD: $3.87
  • INR: $3.03
  • AUD: $3.87
  • GBP: $3.87
  • JPY: $10.33
Example Transfer Speed For $1,000
  • USD: 2 days
  • INR: 30 mins
  • AUD: 2 days
  • GBP: 30 mins
  • JPY: 2 days
Debit Transfer?
Yes
Credit Transfer?
No
Bank Account Transfer?
Yes
Paypal Transfer?
No
Transfer Limits
  • $5,000 daily
  • $15,000 monthly
 
Accidents Coverage
Yes
Illness Coverage
Yes
Procedures Coverage
Yes
Hospital Stays
Yes
2.5 Genius Rating
4.0 (4) User Reviews

Pet insurance provides valuable coverage to your furry friend and peace of mind to your finances, helping cover up to 90% of eligible veterinary bills you may incur for your pet. With Spot Pet Insurance you’ll get access to top-rated pet insurance plans with transparent pricing, trusted coverage without network restrictions and fast claims processing and payouts.

Pros
  • All the coverages you need
  • 4 plans to choose from
  • Easy quotes
Cons
  • No mobile app
  • Not available in all areas
Provinces
AB, BC, MB, NL, NS, ON, PE, SK, NB
Eligibility
  • Canadian citizen or legal resident
  • Age of majority
Why You Want It
Get full coverage for your special pet with quick and easy pricing
Special Features
  • 4 plans to choose from
Accidents Coverage
Yes
Illness Coverage
Yes
Procedures Coverage
Yes
Dental Care
Yes
Hereditary & Breed-specific Conditions
Yes
Hospital Stays
Yes
Boarding Fees
Yes
Alternative Therapy
Yes
Medication
Yes
Exam Fees
Yes
Behavioural Therapy
Yes
Medical Devices
Yes
Holiday Cancellation
Yes
Lost Pet Advertising
Yes
Cremation Or Burial
Yes
Preventative Care Coverage
Yes
Prescription Food Coverage
Yes
In Memoriam Donation
No
 
Minimum Balance To Waive Fee
$75,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$120.00
1.5 Genius Rating
0.0 (0) User Reviews
The
Pros
  • Unlimited free transactions
  • Plenty of free cash deposits
  • Change your plan if you need to
  • Get the monthly fee waived
Cons
  • High monthly fee
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
A business account with unlimited transactions and tons of cash deposits.
Special Features
  • Easy to switch between Scotiabank Business Plans
  • Four levels to choose from
Minimum Balance To Waive Fee
$75,000
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$120.00
Excess Transaction Fee
$0.00
Excess Interac E-Transfer Fee
$0.00
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
No
Other Discounts
No
 
Minimum Balance To Waive Fee
$45,000
# Of Free Monthly Transactions
125
# Of Free Monthly Interac E-Transfers
20
Monthly Fee
$75.00
1.2 Genius Rating
0.0 (0) User Reviews

With 4 different plans to choose from, the Scotiabank Select Account for business gives small business owners a choice when it comes to banking. Plan C is the upper-middle tier plan, offering plenty of free transactions and cash deposits for a $75.00 monthly fee. If it seems high, it can be waived by maintaining a minimum balance of $45,000.

Pros
  • Lots of free transactions
  • Get the monthly fee waived
  • Easy to change your plan
  • Plenty of free cash deposits
Cons
  • High monthly fee
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
A business account with plenty of free transactions and cash deposits.
Special Features
  • Easy to switch between Scotiabank Business Plans
  • Four levels to choose from
Minimum Balance To Waive Fee
$45,000
# Of Free Monthly Transactions
125
# Of Free Monthly Interac E-Transfers
20
Monthly Fee
$75.00
Excess Transaction Fee
$1.50
Excess Interac E-Transfer Fee
$1.00
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
No
Other Discounts
No
 
Minimum Balance To Waive Fee
$35,000
# Of Free Monthly Transactions
70
# Of Free Monthly Interac E-Transfers
20
Monthly Fee
$40.00
1.3 Genius Rating
0.0 (0) User Reviews

The Scotiabank Select Account is available with 4 different plans. Plan B offers up to 70 free transactions, 60 deposits and cash deposits up to $8,000 per month for your business banking needs – and while it has a monthly fee of $40.00, you can waive that by keeping a minimum of $35,000 in the account.

Pros
  • Waive the monthly fee
  • Easy to change your plan
  • 20 free Interac e-Transfers
  • Includes free cash deposits
Cons
  • Relatively high monthly fee
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
A business account with plenty of free transactions and cash deposits
Special Features
  • Easy to switch between Scotiabank Business Plans
  • Four levels to choose from
Minimum Balance To Waive Fee
$35,000
# Of Free Monthly Transactions
70
# Of Free Monthly Interac E-Transfers
20
Monthly Fee
$40.00
Excess Transaction Fee
$1.50
Excess Interac E-Transfer Fee
$1.00
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
N/A
Promo End Date
N/A
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
No
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
No
Discounts For Youth
No
Other Discounts
No
 
Minimum Interest Rate
0%
Maximum Interest Rate
2.15%
Balance Required For Maximum Interest Rate
$1,000,000
3.1 Genius Rating
0.0 (0) User Reviews

The Scotiabank Right Size Savings for business is a business savings account that offers tiered interest rates – the more you have in the account, the higher your interest rate. There are no monthly or annual fees associated with this account, and you can access your funds at any time.

Pros
  • High interest rates
  • Welcome bonus interest rate
  • No fees
Cons
  • Large minimum deposit
  • Tiered interest rates
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Get an interest rate of up to 2.15%
Special Features
  • Welcome bonus interest rate of 3.15% for 6 months
  • Unlimited free CAD self-service transfers
  • Withdraw funds at any time
# Of Free Transactions
0
# Of Free Interac E-Transfers
0
Max Promotion Rate
3.15%
Welcome Bonus Value
N/A
Promo End Date
N/A
 
Minimum Monthly Fee
$37
Maximum Monthly Fee
$2,300
Free Trial Length (Days)
3
4.2 Genius Rating
0.0 (0) User Reviews

Shopify is a leading Canadian e-commerce platform designed to help businesses sell their products both online and in-store.

Pros
  • Free trial
  • Provides solutions for both in-store and online businesses
  • Variety of plans
  • Pay yearly for reduced rates
Cons
  • Can be pricey
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Get tools to help grow and manage a small business.
Special Features
  • 3 day free trial
  • $1 per month for the first three months
  • Four different plans to suit your needs
Minimum Monthly Fee
$37
Maximum Monthly Fee
$2,300
Free Trial Length (Days)
3
Type of App
N/A
Available On Windows Desktop?
Yes
Available On MacOS
Yes
Available On Linux
Yes
Available On Android
Yes
Available On iOS
Yes
Email Support
Yes
Live Chat Support
Yes
Phone Support
Yes
 
Minimum Balance To Waive Fee
$0
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
N/A
2.6 Genius Rating
0.0 (0) User Reviews

The First Nations Bank of Canada Student Bank Account is a straightforward chequing account created for full-time post-secondary students. With no monthly fee, unlimited transactions, and free Interac e-Transfers, this account holds its own among the many other student bank accounts in Canada. It’s also easy to access through a top-rated mobile app, giving students a simple way to manage their money.

Pros
  • No monthly fee
  • Unlimited transactions and Interac e-Transfers
  • Well-rated mobile app
  • Branches and ATMS across most of Canada
  • Supports an Indigenous-owned and operated institution
Cons
  • Automatically converts after graduation
  • No online applications
Provinces
See Issuer for Details
Eligibility
  • Be enrolled as a full-time student
Why You Want It
Unlimited transactions + Supports an Indigenous-owned Canadian bank.
Special Features
  • An Indigenous-owned Canadian bank
Minimum Balance To Waive Fee
$0
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
N/A
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
N/A
Physical Locations
Yes
Automatic Budgeting System
See Issuer for Details
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
See Issuer for Details
Free Bank Drafts
No
Max Rebates For Other Accounts
See Issuer for Details
Discounts For Seniors
No
Discounts For Youth
Yes
Other Discounts
No
 
Estimated # Of Supported Cryptocurrencies
90
Supports CAD?
Yes
Standard Maker Fee
N/A
Standard Taker Fee
N/A
4.3 Genius Rating
0.0 (0) User Reviews

If you’re shopping around for the best cryptocurrency exchange, consider VirgoCX, a Canadian platform. VirgoCX Canada allows low fee trades of over 90 cryptocurrencies. The fees are built into the spread, but you won’t be charged fees for deposits, withdrawals, or trades.

Pros
Cons
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Invest in cryptocurrencies with no trader or maker fees.
Special Features
See Issuer for Details
Estimated # Of Supported Cryptocurrencies
90
Supports Bitcoin?
Yes
Supports Ethereum?
Yes
Supports Litecoin?
Yes
Supports XRP?
Yes
Estimated # Of Supported Fiat Currencies
2
Supports CAD?
Yes
Supports USD?
Yes
Standard Maker Fee
N/A
Standard Taker Fee
N/A
Active Trader Discounts Available?
No
Interac E-Transfer Deposit Fee
0%
Wire Transfer Deposit Fee
0%
Available On Desktop?
Yes
Available On IOS?
Yes
Available On Android?
Yes
Offers Staking
No
 
Flexible Terms
Yes
Minimum Loan Amount
$500
Maximum Loan Amount
$35,000
APR Range
9.99% - 35%
3.8 Genius Rating
5.0 (1) User Reviews

Spring Financial Loans offers personal loans to all Canadians except for residents of Quebec. You can get a loan with a term of between 9.99% - 35%, on amounts up to $35,000.

Pros
  • High loan amounts
  • Decent starting APR
  • No penalties for early payments
  • Lower credit score requirements
Cons
  • No secured loans available
  • Not available in Quebec
Provinces
AB, YT, SK, BC, MB, NB, NL, NU, NT, NS, ON, PE
Eligibility
  • Age of majority
Why You Want It
$100 GeniusCash + Interest rates as low as 9.99% + No prepayment fees.
Special Features
See Issuer for Details
Pre-approval
Yes
Flexible Terms
Yes
Loan Amounts
$500 - $35,000
APR Range
9.99% - 35%
Term Range
6 to 84 months
Minimum Credit Score
550
Secured Available
No
 

Top-rated financial products

EQ Bank Personal Account

EQ Bank Personal Account

One of the highest interest rates at 2.75%* + Free Interac e-Transfers.
RBC VIP Banking

RBC VIP Banking

Get an Apple iPad (11-inch, Wi-Fi, 128GB) + Save 3 cents per litre at Petro-Can.
soNomad

soNomad

Pay 25% less for coverage on average + Get a free, no-commitment quote in minutes.
Petsecure

Petsecure

Get top-notch protection for your pet with easy online quotes
Credit Card Genius Cash IconGC: $90
Qtrade

Qtrade

$90 GeniusCash + Up to $2,000 in cashback + $0 trade commissions for all clients
EQ Bank FHSA Savings Account

EQ Bank FHSA Savings Account

Easily earn 1.5% on your first home savings + Benefit from tax deductions and tax-free growth.
LoanConnect

LoanConnect

Flexible loan options from $500 to $60,000 + Interest rates start at 8.99%.
Coast Capital Closed Fixed Rate Mortgage

Coast Capital Closed Fixed Rate Mortgage

Rates as low as 3.71%* APR on a high-ratio 5-year fixed mortgage
GeniusCash

GeniusCash

Earn up to $250 in bonus cash back + Level up your money & rewards.
Credit Card Genius Cash IconGC: $40
Epilogue Wills

Epilogue Wills

$40 GeniusCash + Easily create your customized Will online + Unlimited free updates when you need them.
 
Cancel
You can select up to 10 products to compare