Best online broker overall
Questrade Self-Directed Investing
90/100Comptes en dollars américains gratuits et le plus grand choix de comptes, à 0 $ de commission
Voir les détailsInvesting · Updated Nov 2, 2026
Best investing platforms in Canada
Compare 14 online brokers and 6 robo-advisors by what they actually cost you in a year — commissions, account fees and welcome offers in dollars.
Frais et offres vérifiés Mis à jour chaque semaine
- $0-commission brokers
- 7 of 14
- Lowest robo-advisor fee
- 0,25 %
- Most cash on $25k
- 650 $
- Cheapest FX conversion
- 0,002 %
No commission or account fee on $25k
Questwealth Portfolios
Qtrade
Interactive Brokers
Top picks · November 2026
Nos choix du moment
Best robo-advisor
Questwealth Portfolios
0,25 %management fee on $50,000
Voir les détailsBiggest welcome offer
Qtrade Direct Investing
650 $on a $25k transfer · Up to $5,000 cash back
Voir les détailsCheapest US dollar conversion
Interactive Brokers Canada
0,002 %About 0.002% of the amount (US$2 minimum per conversion)
Voir les détailsBest all-in-one app
Wealthsimple Self-Directed Investing
0 $a year of trades · fractional shares
Voir les détailsBest big-bank brokerage
BMO InvestorLine Self-Directed
80/100$0 trades · admin fees eliminated Sept 14, 2026
Voir les détailsCourtiers en ligne
Best online brokers at a glance
| # | Broker | Score | Opération sur actions et FNB | Coût annuel | Conversion de devises | Offre de bienvenue |
|---|---|---|---|---|---|---|
| 1 | Questrade Self-Directed Investing | 90/100 | 0 $ | 0 $25 000 $ · 24 opérations par année | 1,5 %Comptes en dollars américains gratuits, y compris CELI et REER | — |
| 2 | Desjardins Online Brokerage (Disnat) | 83/100 | 0 $ | 0 $25 000 $ · 24 opérations par année | 0.15%–1.9% | 250 $ sur 25 000 $Prend fin le 4 décembre 2026 |
| 3 | Interactive Brokers Canada | 83/100 | 1 $ par ordre | 24 $25 000 $ · 24 opérations par année | 0,002 %Comptes multidevises, y compris enregistrés | — |
| 4 | Qtrade Direct Investing | 81/100 | 0 $ | 0 $25 000 $ · 24 opérations par année | Non publié | 650 $ sur 25 000 $Prend fin le 5 janvier 2027 |
| 5 | BMO InvestorLine Self-Directed | 80/100 | 0 $ | 0 $25 000 $ · 24 opérations par année | 1,6 % | — |
| 6 | Wealthsimple Self-Directed Investing | 80/100 | 0 $ | 0 $25 000 $ · 24 opérations par année | 1,5 % | 250 $ sur 25 000 $ |
| 7 | National Bank Direct Brokerage | 73/100 | 0 $ | 0 $25 000 $ · 24 opérations par année | 1,7 % | — |
| 8 | TD Easy Trade | 65/100 | 100 free a yearthen $9.99 | 0 $25 000 $ · 24 opérations par année | Non publié | — |
Yearly cost = 24 Canadian stock or ETF trades of $1,000 plus account fees on a $25,000 TFSA. Welcome offer value assumes a $25,000 transfer into a registered account.
Welcome offers
Brokerage sign-up and transfer bonuses
Qtrade Direct Investing
Jusqu’à 5 000 $ en remise en argent
5% back on $1,000–$10,000, then $550 to $5,000 by deposit tier, plus $100 if you fund $25,000+ in your first 30 days.
$650 on a $25k transfer · code OFFER2026 Prend fin le 5 janvier 2027
Desjardins Online Brokerage (Disnat)
1% cash bonus on transfers, up to $7,500
1% of eligible assets transferred in ($5,000+ combined), up to $7,500, plus a $150 reimbursement per eligible transfer. Quebec and Ontario residents only.
$250 on a $25k transfer 29 jours restants
Wealthsimple Self-Directed Investing
1% transfer match, up to $20,000
Register for the match, then transfer $25,000+ from another institution within 30 days. Paid in 24 monthly instalments.
$250 on a $25k transfer
Webull Canada
Jusqu’à 250 $ en remise en argent
$50 for a first deposit or transfer of $500+, plus $200 when net funding reaches $20,000+ and stays for 90 days.
$250 on a $25k transfer
Robots-conseillers
What a robo-advisor costs on $50,000
- Questwealth Portfolios125 $
- Wealthsimple Managed Investing250 $
- RBC InvestEase250 $
- Justwealth250 $
- CI Direct Investing300 $
- BMO SmartFolio350 $
Annual management fee before tax. Fund MERs are charged on top inside the ETFs.
How to choose
How to choose an investing platform
- Decide who picks the investmentsOnline brokers are cheapest if you’ll choose your own ETFs. Robo-advisors build and rebalance a portfolio for a yearly fee.
- Add up a year of costsCommissions × your trades, plus account fees at your balance. A $9.99 trade costs $240 a year at two trades a month.
- Check the accounts you needTFSA, RRSP and FHSA are everywhere; RESP, RRIF, LIRA and RDSP are not.
- Mind the currency conversionBuying US stocks from CAD often costs 1.5%–1.7% each way. Free USD accounts or low-cost FX save more than $0 commissions.
- Time your transfer with an offerTransfer bonuses pay up to 3% and many brokers refund the $150 transfer-out fee.
Method
How we score platforms
Courtiers en ligne
- Coût des opérations40
- Choix de comptes20
- Placements américains15
- Caractéristiques15
- Offre de bienvenue10
Robots-conseillers
- Frais de gestion50
- Choix de comptes20
- Minimum pour commencer15
- Autres caractéristiques15
Our scenarios
- Débutant5 000 $ · 12 opérations par année
- En croissance25 000 $ · 24 opérations par année
- Actif100 000 $ · 120 opérations par année
Fees come from each provider’s official fee schedule, checked Nov 2, 2026. Commission never changes a score.
Guides
Investing guides
FAQ
Investing questions
What is the best online broker in Canada?
By WalletReturn score, Questrade Self-Directed Investing leads at 90/100 (free USD accounts and the widest account choice at $0 commissions), followed by Desjardins Online Brokerage (Disnat) (83) and Interactive Brokers Canada (83). Scores weigh trading cost, account choice, US investing, features and welcome offers.
What is the cheapest way to invest in Canada?
7 of the 14 brokerages we compare charge $0 to buy and sell Canadian stocks and ETFs with no account fee on a $25,000 account: Wealthsimple, Questrade, Qtrade, National Bank, BMO InvestorLine, Disnat, TD Easy Trade. The cheapest robo-advisor is Questwealth Portfolios at 0.25%; 0.20% from $100,000.
Should I use an online broker or a robo-advisor?
Use an online broker if you’re comfortable choosing and buying your own ETFs or stocks — it’s the cheapest option. Use a robo-advisor if you want a portfolio built, rebalanced and managed for you; you’ll pay a management fee of about 0.25% to 0.70% a year plus fund costs.
Is my money safe with an online broker?
Brokerages that are CIRO members are covered by the Canadian Investor Protection Fund (CIPF), which protects up to $1 million per account category if the firm becomes insolvent. CIPF does not cover investment losses from market moves.
Can I transfer my investments without paying fees?
Usually. Most brokers charge about $150 to transfer an account out, but many new brokers reimburse it — for example Wealthsimple (covers your old broker’s transfer fees (up to $150 per account) on $25,000+); Questrade (reimburses up to $150 per account you transfer in); National Bank (may reimburse transfer fees, depending on the amount); Disnat ($150 fixed reimbursement per eligible transfer during the Nov 2–Dec 4, 2026 offer).
How do you score investing platforms?
Brokers are scored out of 100: trading cost 40, account choice 20, US investing 15, features 15 and welcome offer 10. Robo-advisors: management fee 50, account choice 20, minimum to start 15 and extras 15. Every input is a published fee or feature, and commission never changes a score.
WalletReturn est indépendant. Nous pouvons toucher une commission quand vous ouvrez un compte par certains liens; cela ne change jamais nos notes ni nos chiffres. Les frais et les offres changent : confirmez-les auprès de l’institution avant d’ouvrir un compte. Il s’agit d’information générale, et non de conseils en placement. Les placements ne sont pas garantis; la protection du FCPI couvre les biens manquants des clients si une société membre fait faillite, pas les pertes de marché.