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Banking · Updated Nov 2, 2026

Find a better place for your money

Compare 15 savings accounts, 19 chequing accounts and GIC rates from 8 providers. We show what you’d actually earn or pay in year one.

Rates and offers checked 2 novembre 2026Mis à jour chaque semaine

Top ongoing savings rate: 2,80 %
Top welcome rate: 5,00 %
Prime de compte chèques la plus élevée: 850 $
Best 5-year GIC: 4,50 %

Top picks · November 2026

Nos choix du moment

Meilleur taux d’épargne régulier

Oaken Savings Account

2,80 %No promo, no conditions

Voir les détails

Best welcome savings rate

Simplii High Interest Savings

5,00 %pendant 5 mois

Voir les détails

Prime de compte chèques la plus élevée

TD All-Inclusive Banking Plan

850 $Jusqu’à 1 000 $ en argent

Voir les détails

Best no-fee chequing

Simplii No Fee Chequing

350 $bonus · $0 monthly fee

Voir les détails

Économies

What $10,000 earns in year one

All savings accounts

Compte	Taux courant	Taux de bienvenue	Year-one interest	Frais mensuels
Oaken Savings Account	2,80 %	—	280 $	0 $
Canadian Tire High Interest Savings	2,40 %	—	240 $	0 $
Simplii High Interest Savings	0,30 %	5,00 %5 mois	226 $	0 $
Neo Savings Account	2,25 %up to 3.00%	—	225 $	$0 base plan
Tangerine Savings Account	0,30 %	4,50 %5 mois	205 $	0 $
KOHO Spending & Savings	2,00 %up to 3.50%	—	200 $	$0 base plan
BMO Savings Amplifier	0,45 %	5,00 %4 mois	197 $	0 $
RBC High Interest eSavings	0,65 %	4,70 %3 mois	166 $	0 $

Chequing

Chequing sign-up bonuses

All chequing accounts

30,95 $ par mois

TD All-Inclusive Banking Plan

Jusqu’à 1 000 $ en argent

$850 for opening and setting up $1,500+ in recurring direct deposits plus a $50 bill payment or pre-authorized debit; +$150 with a new TD savings account and credit card

$850 in cash counted Prend fin le 3 mars 2027

16,95 $ par mois

Scotiabank Preferred Package

Jusqu’à 1 000 $

$700 for a recurring direct deposit plus one qualifying transaction; +$200 for your first RRSP, TFSA or FHSA; +$100 with a Scotia credit card

$700 in cash counted Prend fin le 4 mars 2027

16,95 $ par mois

RBC Signature No Limit Banking

Jusqu’à 600 $ en argent

$500 for completing two of three: direct deposit, two pre-authorized payments, two bill payments; +$100 for keeping the account open 13 months

$600 in cash counted Prend fin le 1er mars 2027

16,95 $ par mois

CIBC Smart Account

Jusqu’à 850 $

$500 with a $500+ direct deposit and qualifying transactions; +$100 with a CIBC credit card; up to $250 more with the Dividend Visa Infinite

$500 in cash counted

8,50 $ par mois

Coast Capital Unlimited Chequing

Jusqu’à 600 $

$400 cash welcome bonus for opening and using the account; +$100–$200 with a new Coast credit card

$400 in cash counted 25 jours restants

0 $

Simplii No Fee Chequing

350 $ en argent

Set up an eligible direct deposit of $100+ a month for 4 straight months

$350 in cash counted Prend fin le 31 janvier 2027

CPG

Best GIC rate by term

Calculateur de CPG

1 an3,75 %Oaken Financial

2 ans4,20 %Oaken Financial

3 ans4,30 %Oaken Financial

4 ans4,35 %Oaken Financial

5 ans4,50 %Oaken Financial

Calculateur

How much could your savings earn?

Solde 10 000 $

First-year interest plus cash bonuses, minus fees. Assumes the balance stays the same and you qualify for welcome offers.

Oaken Savings Account280 $
Canadian Tire High Interest Savings240 $
Simplii High Interest Savings226 $
Neo Savings Account225 $
Tangerine Savings Account205 $

Method

How we compare accounts

We check each providerRates, fees and offers come from each bank’s own pages, checked Nov 2, 2026.
We turn terms into dollarsYear-one interest blends welcome and regular rates. Chequing value is the bonus minus a year of fees.
We show the conditionsDeadlines, direct-deposit rules and fee waivers sit next to every number.
Commission never changes the orderSorting is by value to you. Partner links don’t move an account up.

Guides

Banking guides

Tous les guides

How much interest does $10,000 earn?Year-one interest at every account we track Bank account sign-up bonusesEvery current chequing bonus, after fees CPG ou compte d’épargne à intérêt élevéWhen locking in pays more

FAQ

Banking questions

What’s the difference between a welcome rate and an ongoing rate?

A welcome (promotional) rate is a temporary boost for new clients — usually 3 to 5 months. The ongoing rate is what you earn afterwards. We show both and blend them into year-one interest so promos don’t look better than they are.

Is my money safe at an online bank?

Most banks listed here are CDIC members, which protects eligible deposits up to $100,000 per category at each member. Some fintechs (Wealthsimple, KOHO, Neo) hold your money at partner CDIC members. Credit unions are covered by provincial insurers.

How do chequing bonuses work?

Banks pay a one-time bonus when you open an account and complete steps such as setting up a direct deposit or paying bills. Most require new clients and a deadline. Fees can cancel out the bonus if you don’t meet the balance waiver.

Is interest on savings taxable?

Yes. Interest in a regular savings account is taxable income each year. Holding savings in a TFSA keeps the interest tax-free.

How often do you update rates?

We recheck rates and offers regularly. Everything on this page was checked Nov 2, 2026. Offers with an end date drop off automatically when they expire.

WalletReturn est indépendant. Nous pouvons toucher une commission quand vous ouvrez un compte par certains liens; cela ne change jamais notre ordre ni nos chiffres. Les taux, les frais et les offres changent : confirmez-les auprès de l’institution avant d’ouvrir un compte. L’assurance-dépôts dépend de l’institution, du produit et des plafonds.