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
Rate Type
Fixed Closed
Rate Guarantee (days)
120
Posted Closed Rates
  • 1 year: 5.69%
  • 2 years: 4.94%
  • 3 years: 4.23%
  • 4 years: 4.27%
  • 5 years: 4.31%
  • 6 years: 5.11%
  • 7 years: 5.11%
  • 8 years: 5.11%
  • 9 years: 5.41%
  • 10 years: 5.4%
4.4 Genius Rating
0.0 (0) User Reviews

The Coast Capital Closed Fixed Rate Mortgage is a product from one of the best credit unions in the country. The Coast Capital Closed Fixed Rate Mortgage has decent rates and notable features, all of which make buying a house less of a hassle.

Pros
Cons
Provinces
BC
Eligibility
  • Buying property in B.C.
Why You Want It
Rates as low as 3.71%* APR on a high-ratio 5-year fixed mortgage
Special Features
See Issuer for Details
Rate Type
Fixed Closed
Pre-approval
Yes
Rate Guarantee (days)
120
Bank Prime Rate
4.45%
# Of Prepayments Allowed Per Year
1
% Of Prepayment Allowed
20%
# Of Payment Increases Allowed Per Year
N/A
Max Payment Increase Allowed
N/A
Promotion Available
4600$
Promotion End Date
See Issuer for Details
 
Minimum Monthly Fee
N/A
Maximum Monthly Fee
N/A
Free Trial Length (Days)
N/A
2.3 Genius Rating
0.0 (0) User Reviews

Anyone who's shopped for a new or used car knows what a pain it can be to visit multiple dealerships and scour online ads trying to find the best deal.

Pros
Cons
Provinces
NB, NS, ON, PE, BC
Eligibility
See Issuer for Details
Why You Want It
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
N/A
Maximum Monthly Fee
N/A
Free Trial Length (Days)
N/A
Type of App
N/A
Available On Windows Desktop?
Yes
Available On MacOS
Yes
Available On Linux
Yes
Available On Android
No
Available On iOS
No
Email Support
Yes
Live Chat Support
Yes
Phone Support
Yes
 
Minimum Monthly Fee
N/A
Maximum Monthly Fee
N/A
Free Trial Length (Days)
N/A
2.3 Genius Rating
5.0 (1) User Reviews

Sell to Clutch is shaking up the used car industry by making the process exponentially easier for sellers and buyers – with hundreds of cars to browse and none of the classic dealership-lot hassles.

Pros
Cons
Provinces
NB, NS, ON, PE, BC
Eligibility
See Issuer for Details
Why You Want It
Pay an average of 6% less for a new car + Completely online process
Special Features
  • Entire process is completed entirely online
  • 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?
Yes
Available On MacOS
Yes
Available On Linux
Yes
Available On Android
No
Available On iOS
No
Email Support
Yes
Live Chat Support
Yes
Phone Support
Yes
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
10
Monthly Fee
$6.00
2.9 Genius Rating
0.0 (0) User Reviews

The RBC Digital Choice Business Account Package is an excellent account choice for a business bank account and is best suited for companies who primarily like to use online and mobile banking for most of their business banking. RBC also has an impressive list of recommended services for businesses.

Pros
  • Unlimited debit and credit electronic transactions
  • Unlimited Moneris deposits
  • Unlimited electronic cheque deposits
  • Access to other business services
  • Petro-Canada fuel savings
Cons
  • Limited Interac e-Transfers
  • Fees for cash and paper deposits
  • ATM fees
Provinces
ALL
Eligibility
  • Canadian citizen
  • Age of majority
  • Have a business registered in Canada
Why You Want It
$100 GeniusCash + Unlimited business banking features for only $6/month
Special Features
  • Unlimited electronic debit and credit transactions
  • Unlimited Moneris deposits
  • 10 FREE Interac e-Transfer transactions
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
10
Monthly Fee
$6.00
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
$1.50
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
Yes
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
 
Mid-market Exchange Rate?
Yes
Hidden Fees?
No
Example Fees For $1,000
  • From 0.33%, fees vary by currency
Transfer Limits
  • Depends on country, CAD to CAD is unlimited
3.5 Genius Rating
0.0 (0) User Reviews

If your business operates in multiple currencies, a Wise Business Account can be a cost-effective and transparent solution. It lets you send money to over 160 countries in more than 40 currencies, accept client payments in up to 9 currencies, and always benefit from the real mid-market exchange rate—without hidden fees. With low, clearly listed transfer costs and flexible options like debit, credit, and bank transfers, Wise makes international business banking straightforward and affordable.

Pros
  • Low and completely transparent fees
  • More than 40 currencies available
  • Real exchange rates
  • Comes with a debit card
Cons
  • No cash deposits or transactions
  • Limited customer support channels
Provinces
ALL
Eligibility
  • Be a sole trader, freelancer, limited or public company, partnership, charity, or trust
Why You Want It
Send funds to 160+ countries in 40+ currencies + Get real exchange rates.
Special Features
See Issuer for Details
Mid-market Exchange Rate?
Yes
Hidden Fees?
No
Example Fees For $1,000
  • From 0.33%, fees vary by currency
Example Transfer Speed For $1,000
  • 24 hours
Debit Transfer?
Yes
Credit Transfer?
Yes
Bank Account Transfer?
Yes
Paypal Transfer?
No
Transfer Limits
  • Depends on country, CAD to CAD is unlimited
 
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$16.95
3.4 Genius Rating
4.3 (13) User Reviews

The Coast Capital Elevate Chequing Account is a premium chequing account with a reasonable monthly fee and several interesting perks. With a credit card rebate, free access to the Coursera learning platform, and a couple ways to reduce the monthly fee, this account has a lot going for it.

Pros
  • Monthly fee discounts available***
  • Valuable welcome offer
  • Annual fee rebate on select Coast Capital credit cards
  • 50 free cheques annually
  • Free ID protection and password manager
  • Free access to Coursera**
Cons
  • Limited unaffiliated ATM withdrawals and slightly higher ATM fee
  • Not available in Quebec
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
  • Have a SIN
  • Age of majority in your province
  • Live in Canada (except Quebec)
  • New members must purchase a minimum of $5 in membership equity shares
Why You Want It
$125 GeniusCash + New members can get $450* when they open and use an Elevate Chequing Account.
Special Features
  • Free access<sup>**</sup> to Coursera's global learning platform (Value $538/year)
  • Free identity theft protection and password manager with ID Assist
  • 2 free Interac network Canadian ATM withdrawals per month<sup>†</sup>
  • 3 free International ATM withdrawals per year<sup>††</sup>
  • Several ways to reduce the monthly fee<sup>***</sup>
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$16.95
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
$50
Maximum Welcome Bonus
$450
Promo End Date
July 06, 2026
Physical Locations
Yes
Automatic Budgeting System
No
Minimum Interest Rate
N/A
Earn Rewards On Debit Purchases
No
Free Cheques
Yes
Free Bank Drafts
No
Max Rebates For Other Accounts
N/A
Discounts For Seniors
Yes
Discounts For Youth
Yes
Other Discounts
Yes
 
Fee Per Basic Return
$0
Free Version Available?
Yes
Import Prior Year Data?
Yes
Accuracy Guarantee
Yes
5.0 Genius Rating
5.0 (1) User Reviews

As one of the most recognized names in the tax industry, H&R Block provides one of the best tax software products in Canada on top of its in-branch services. With accuracy guarantees, one-on-one attention available from tax professionals at physical offices or online, and options for each price bracket (including free!), H&R Block seems to have thought of everything.

Pros
  • Well-established and trusted industry name
  • In-person, online, and drop-off filing options
  • Clear, step-by-step instructions
  • Ability to save your progress and return later.
  • Access to seasoned tax professionals
  • Free and paid services available
  • Specific package designed for self-employed individuals
Cons
  • Limited free support
  • Free version is quite basic
Provinces
ALL
Eligibility
See Issuer for Details
Why You Want It
Save 20% on your tax filing through moneyGenius.
Special Features
  • File online or in-person
  • Accuracy guarantee
  • Self-employed tax package
Fee Per Basic Return
$0
Free Version Available?
Yes
Requirements For Free Version
See Issuer for Details
Import Prior Year Data?
Yes
Import Prior Year Data From Another App?
Yes
Free Support Available?
Yes
Accuracy Guarantee
Yes
Mobile App?
Yes
Access To Tax Expert
Yes
 
Term Life Insurance
Yes
Terms Available
  • 10 years
  • 20 years
  • 30 years
Permanent Life Insurance
Yes
Guaranteed Acceptance Life Insurance
Yes
2.5 Genius Rating
0.0 (0) User Reviews

Serenia Life Financial offers flexible and affordable life insurance options. As a member-based organization, Serenia Life Financial provides its more than 33,000 members with valuable products, unique benefits, and investment opportunities.

Pros
  • Offers term and permanent life insurance options
  • Easily convertible
  • Impressive list of valuable member benefits
  • Bereavement counselling for beneficiaries
  • Save up to $500 on first year life insurance payments
Cons
  • Not available Canada-wide
  • Few term lengths to choose from
Provinces
BC, AB, SK, MB, ON
Eligibility
  • Between the ages of 18 and 70
  • Canadian citizen
Why You Want It
10, 20, 30, and 100-year term length options + Valuable member benefits.
Special Features
  • Get a quote online
  • Unique member benefits
  • Bereavement counselling and resources for beneficiaries
  • Members receive a portion of profits in the form of member benefits
  • Term to 100
  • Annuities
Term Life Insurance
Yes
Terms Available
  • 10 years
  • 20 years
  • 30 years
Permanent Life Insurance
Yes
Guaranteed Acceptance Life Insurance
Yes
Universal Life Insurance
No
 
Self-Directed Available
Yes
GICs Available
Yes
Mutual Funds Available
Yes
Savings Account Available
No
4.8 Genius Rating
1.0 (1) User Reviews

Trading platform Qtrade now offers their own version of an FHSA, and from the get go, it’s clearly aimed at investors who prefer to keep a close eye on their money. It allows you to keep stocks, bonds, and other investment products in your FHSA, as well as cash.

Pros
  • Robust self-directed trading and investing platform
  • Keep a wide variety of investments in your FHSA account
  • Available everywhere in Canada
Cons
  • No interest rate gain
  • Mainly aimed at self-directed investors
Provinces
ALL
Eligibility
  • First-time home buyer
  • Canadian resident
  • 18 years or older
Why You Want It
Trade over 100 ETFs for free.
Special Features
See Issuer for Details
Self-Directed Available
Yes
Self-Directed Platform
Qtrade
Self-Directed Base Fee
$8.75
GICs Available
Yes
Types of GICs
N/A
Mutual Funds Available
Yes
Average Mutual Fund MER
N/A
Investment PortfoliosAvailable
No
Investment Portfolio Fees
N/A
Savings Account Available
No
Minimum Savings Account Rate
N/A
Maximum Savings Account Rate
N/A
Promotion
N/A
Promotion End Date
N/A
 
Minimum Interest Rate
8.5%
Maximum Interest Rate
8.5%
Balance Required For Maximum Interest Rate
N/A
3.7 Genius Rating
0.0 (0) User Reviews

As savings accounts go, the Canadian Western Bank Summit Savings Account is about as basic as you can get. It has no monthly fee, you can transfer funds freely from this account to other CWB accounts you may already have, and using an EXCHANGE Network ATM is free – kind of.

Pros
Cons
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
See Issuer for Details
Why You Want It
Earn 8.5% interest + Free transfers and EXCHANGE Network ATM withdrawals.
Special Features
See Issuer for Details
# Of Free Transactions
0
# Of Free Interac E-Transfers
0
Max Promotion Rate
N/A
Welcome Bonus Value
N/A
Promo End Date
N/A
 

Top-rated financial products

Credit Card Genius Cash IconGC: $160
BMO Premium Chequing Account

BMO Premium Chequing Account

$160 GeniusCash + Up to $900 in cash + a Walmart+ membership for up to 12 months*. *T&Cs apply.
EQ Bank Personal Account

EQ Bank Personal Account

One of the highest interest rates at 2.75%* + Free Interac e-Transfers.
PolicyMe Dental And Health Insurance

PolicyMe Dental And Health Insurance

Extensive selection of health and dental plans.
Petsecure

Petsecure

Get top-notch protection for your pet with easy online quotes
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.
Credit Card Genius Cash IconGC: $5
Tangem

Tangem

$5 GeniusCash + Secure and convenient hardware wallet + supports over 16,000 cryptocurrencies
Credit Card Genius Cash IconGC: $100
Spring Financial Loans

Spring Financial Loans

$100 GeniusCash + Interest rates as low as 9.99% + No prepayment fees.
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
H&R Block

H&R Block

Save 20% on your tax filing through moneyGenius.
Holafly

Holafly

Access international data plans starting at $2 a day
 
Cancel
You can select up to 10 products to compare