{"id":2668,"date":"2023-12-29T00:00:00","date_gmt":"2023-12-29T08:00:00","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=2668"},"modified":"2025-01-09T10:00:52","modified_gmt":"2025-01-09T18:00:52","slug":"best-high-interest-savings-accounts","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts","title":{"rendered":"Best High-Interest Savings Accounts in Canada for 2025"},"content":{"rendered":"\n<div class=\"wp-block-group is-style-disclosure is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\">Many or all of the products featured here are from <a href=\"https:\/\/www.nerdwallet.com\/ca\/nerdwallet-partners\">our partners<\/a> who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.<\/p>\n<\/div>\n\n\n\n<p class=\"\">Canadians have over 100 different kinds of bank accounts to choose from, according to the Canadian Bankers Association. If you\u2019re specifically looking for an account that can fast-track your savings, it may be time to explore the world of high-interest savings accounts, or HISAs.<\/p>\n\n\n\n<p class=\"\">While the best high-interest savings accounts offer robust interest rates, that\u2019s not the only way to compare them. Some HISAs also offer minimal transaction fees, low service charges and opportunities to earn cash back. Browse top options below and choose your high-interest savings account with confidence.<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><a href=\"#best-hisa-summary\">Our picks for the best high-interest savings accounts<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#best-hisa-rates\">Other top HISA rates available in Canada<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#things-to-know-hisa\">What to know about high-interest savings accounts<\/a><\/li>\n<\/ul>\n\n\n<div class=\"c-block-in-house-promotion is-advert-style__with-icon is-style-horizontal wp-block-nerdwallet-blocks-in-house-ad\">\n\n\t\t\t<div class=\"c-promotion-banner__partner-spotlight\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/plugins\/nerdwallet-blocks\/assets\/images\/nerdwallet-bug.svg\"\n\t\t\t\talt=\"Nerdwallet Logo\"\n\t\t\t\/>\n\t\t\t<span class=\"c-promotion-banner__partner-spotlight--title\">\n\t\t\t\tPartner Spotlight\t\t\t<\/span>\n\t\t<\/div>\n\t\n\t<div\n\t\tclass=\"c-block-in-house-promotion__inner\"\n\t\tstyle=\"background-image: none;\"\n\t>\n\n\t\t\t\t\t<div class='c-block-in-house-promotion__image-wrapper'>\n\t\t\t\t<div class='c-block-in-house-promotion__image'>\n\t\t\t\t\t<img decoding=\"async\" class=\"c-block-in-house-promotion__icon-img\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/12\/20200408000532Neo_Financial_Logo.png\" alt=\"Ad Icon\" \/>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t<div class=\"c-block-in-house-promotion__content-wrapper c-block-in-house-promotion__no-image\">\n\t\t\t\n\t\t\t<h3 id=\"neo-financial%e2%84%a2-high-interest-savings-account\"  class=\"c-block-in-house-promotion__title\">Neo Financial\u2122 High Interest Savings Account<\/h3>\n\t\t\t\t\t\t\t<p class=\"c-block-in-house-promotion__content\">\n\t\t\t\t\tMake your goals possible. Easily track progress and grow your money with 3.00% interest. Click &#8220;Apply Now&#8221; for details.\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"c-block-in-house-promotion__cta wp-block-button\"><a href=\"www.nerdwallet.com\/redirect\/d78b5b98-5062-11ef-9815-4b8ecc7b97db\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"nw-cta track-click wp-block-button__link wp-element-button\" data-monetized=\"1\" data-placement=\"Promotional banner\">APPLY NOW<\/a><\/div>\t<\/div>\n<\/div>\n\n\n\n<h4 id=\"best-high-interest-savings-accounts-in-canada-from-our-partners\"  class=\"wp-block-heading\">Best High Interest Savings Accounts in Canada from Our Partners<\/h4>\n\n\n<div class=\"c-block-product-table\" id=\"b31f5fd9-cbb7-4a6e-91eb-6bbcd07346e9\">\n\t<table class=\"c-keto-product-table c-keto-product-table--default c-keto-product-table__drivers--count-2\">\n\t\t<tr class=\"c-keto-product-table__row c-keto-product-table__headers\">\n\n\t\t\t<th class=\"c-keto-product-table__details--header\"\n\t\t\t\tdata-sortable=\"false\"\n\t\t\t\tdata-driver-id=\"title\"\n\t\t\t\tdata-sort-dir=\"desc\"\n\t\t\t\t>\n\t\t\t\t<span class=\"c-keto-product-table__details--header-title\">\n\t\t\t\t\t<h3 id=\"bank-account\" >Bank Account<\/h3>\t\t\t\t<\/span>\n\t\t\t<\/th>\n\n\t\t\t\t\t\t\t\t<th class=\"c-keto-product-table__drivers--header\"\n\t\t\t\t\t\tdata-driver-title=\"Interest Rate\"\n\t\t\t\t\t\tdata-driver-id=\"3817\"\n\t\t\t\t\t\tdata-sortable=\"false\"\n\t\t\t\t\t\tdata-sort-dir=\"desc\">\n\t\t\t\t\t\t<span class=\"c-keto-product-table__details--header-title\">\n\t\t\t\t\t\t\t<h3 id=\"interest-rate\" >Interest Rate<\/h3>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<th class=\"c-keto-product-table__drivers--header\"\n\t\t\t\t\t\tdata-driver-title=\"Monthly Fee\"\n\t\t\t\t\t\tdata-driver-id=\"3821\"\n\t\t\t\t\t\tdata-sortable=\"false\"\n\t\t\t\t\t\tdata-sort-dir=\"desc\">\n\t\t\t\t\t\t<span class=\"c-keto-product-table__details--header-title\">\n\t\t\t\t\t\t\t<h3 id=\"monthly-fee\" >Monthly Fee<\/h3>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t<th class=\"c-keto-product-table__cta--header\">&nbsp;<\/th>\n\t\t<\/tr>\n\t\t\n\n\n\n\n\n\n\n\n\n\n\n\n\n<tr class=\"c-keto-product-table__row c-keto-product-table__row-item c-keto-product-table__drivers--count-2\" id=\"d608b2c0-cea9-40ba-9cfe-08abc574faef\">\n\t<td class=\"c-keto-product-table__cell c-keto-product-table__details\" data-driver-id=\"title\">\n\t\t<div class=\"c-keto-product-table__image-wrapper\">\n\t\t\t<a title=\"Simplii Financial\u2122 High Interest Savings Account\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/4552?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon nw-cta-image nw-cta\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"4552\" data-offer-title=\"Simplii Financial\u2122 High Interest Savings Account\" data-product-id=\"4550\" data-product-title=\"Simplii Financial\u2122 High Interest Savings Account\" data-institution-id=\"43\" data-institution-title=\"Simplii\" data-placement=\"Table\" data-image=\"1\"><img loading=\"lazy\" decoding=\"async\" width=\"276\" height=\"119\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-276x119.png\" class=\"c-keto-product-table__image \" alt=\"Offer for Simplii Financial\u2122 High Interest Savings Account \" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-276x119.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-300x129.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-1024x442.png 1024w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-768x331.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-1536x663.png 1536w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-2048x883.png 2048w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-460x198.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-375x162.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-100x43.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-40x17.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-150x65.png 150w\" sizes=\"(max-width: 276px) 100vw, 276px\" \/><\/a>\t\t\t\t\t<div class=\"c-keto-product-table__link--card\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#simplii-financial-high-interest-savings-account\">\n\t\t\t\t\t\t\t\tLearn more\t\t\t\t\t\t\t\t<i class=\"fa-solid fa-caret-down:\"><\/i>\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<div class=\"c-keto-product-table__offer\">\n\t\t\t<h4 id=\"\"  class=\"c-keto-product-table__subtitle\"><\/h4><h5 id=\"simplii-financial%e2%84%a2-high-interest-savings-account\"  class=\"c-keto-product-table__title\">Simplii Financial\u2122 High Interest Savings Account<\/h5>\t\t<\/div>\n\t<\/td>\n\t\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__drivers c-keto-product-table__drivers--driver-1\" data-driver-id=\"3817\" data-driver-title=\"Interest Rate\">\n\t\t\t<div class=\"c-keto-product-table__driver\">\n\t\t\t\t<div class=\"c-keto-product-table__driver--value\">\n\t\t\t\t\t3.90%*\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-keto-product-table__driver--text\">\n\t\t\t\t\tPromotional rate\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/td>\n\t\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__drivers c-keto-product-table__drivers--driver-2\" data-driver-id=\"3821\" data-driver-title=\"Monthly Fee\">\n\t\t\t<div class=\"c-keto-product-table__driver\">\n\t\t\t\t<div class=\"c-keto-product-table__driver--value\">\n\t\t\t\t\t$0\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-keto-product-table__driver--text\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/td>\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__cta\">\n\n\t\t<div class=\"c-keto-product-table__cta-button--wrapper\">\n\t\t\t<div class=\"wp-block-button\"><a title=\"Simplii Financial\u2122 High Interest Savings Account\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/4552?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon d-block nw-cta wp-block-button__link wp-element-button external\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"4552\" data-offer-title=\"Simplii Financial\u2122 High Interest Savings Account\" data-product-id=\"4550\" data-product-title=\"Simplii Financial\u2122 High Interest Savings Account\" data-institution-id=\"43\" data-institution-title=\"Simplii\" data-placement=\"Table\">Apply Now <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/a><\/div>\t\t\t\t<div class=\"c-keto-product-table__link--card\">\n\t\t\t\t\t<a href=\"#simplii-financial-high-interest-savings-account\">\n\t\t\t\t\t\tLearn more\t\t\t\t\t\t<i class=\"fa-solid fa-caret-down\"><\/i>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t<\/div>\n\t<\/td>\n<\/tr>\n\n\n\n<tr class=\"c-keto-product-table__row c-keto-product-table__row-item c-keto-product-table__drivers--count-2\" id=\"c7df85ad-7f41-4925-88be-418e250478fb\">\n\t<td class=\"c-keto-product-table__cell c-keto-product-table__details\" data-driver-id=\"title\">\n\t\t<div class=\"c-keto-product-table__image-wrapper\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"276\" height=\"57\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-276x57.png\" class=\"c-keto-product-table__image \" alt=\"Offer for Tangerine Savings Account \" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-276x57.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-300x62.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-460x95.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-375x77.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-100x21.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-40x8.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-150x31.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine.png 640w\" sizes=\"(max-width: 276px) 100vw, 276px\" \/>\t\t\t\t\t<div class=\"c-keto-product-table__link--card\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#tangerine-savings-account\">\n\t\t\t\t\t\t\t\tLearn more\t\t\t\t\t\t\t\t<i class=\"fa-solid fa-caret-down:\"><\/i>\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<div class=\"c-keto-product-table__offer\">\n\t\t\t<h4 id=\"\"  class=\"c-keto-product-table__subtitle\"><\/h4><h5 id=\"tangerine-savings-account\"  class=\"c-keto-product-table__title\">Tangerine Savings Account<\/h5>\t\t<\/div>\n\t<\/td>\n\t\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__drivers c-keto-product-table__drivers--driver-1\" data-driver-id=\"3817\" data-driver-title=\"Interest Rate\">\n\t\t\t<div class=\"c-keto-product-table__driver\">\n\t\t\t\t<div class=\"c-keto-product-table__driver--value\">\n\t\t\t\t\t4.50%*\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-keto-product-table__driver--text\">\n\t\t\t\t\tPromotional rate\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/td>\n\t\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__drivers c-keto-product-table__drivers--driver-2\" data-driver-id=\"3821\" data-driver-title=\"Monthly Fee\">\n\t\t\t<div class=\"c-keto-product-table__driver\">\n\t\t\t\t<div class=\"c-keto-product-table__driver--value\">\n\t\t\t\t\t$0\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-keto-product-table__driver--text\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/td>\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__cta\">\n\n\t\t<div class=\"c-keto-product-table__cta-button--wrapper\">\n\t\t\t\t\t\t\t<div class=\"c-keto-product-table__link--card\">\n\t\t\t\t\t<a href=\"#tangerine-savings-account\">\n\t\t\t\t\t\tLearn more\t\t\t\t\t\t<i class=\"fa-solid fa-caret-down\"><\/i>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t<\/div>\n\t<\/td>\n<\/tr>\n\n\n\n<tr class=\"c-keto-product-table__row c-keto-product-table__row-item c-keto-product-table__drivers--count-2\" id=\"7c9fdc0a-9eea-48ef-b95e-66a42f415a31\">\n\t<td class=\"c-keto-product-table__cell c-keto-product-table__details\" data-driver-id=\"title\">\n\t\t<div class=\"c-keto-product-table__image-wrapper\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"276\" height=\"106\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-276x106.png\" class=\"c-keto-product-table__image \" alt=\"Offer for RBC High Interest eSavings Account \" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-276x106.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-300x115.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-768x296.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-460x177.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-375x144.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-100x38.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-40x15.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1-150x58.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/rbc-1.png 1024w\" sizes=\"(max-width: 276px) 100vw, 276px\" \/>\t\t\t\t\t<div class=\"c-keto-product-table__link--card\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#rbc-high-interest-esavings-account\">\n\t\t\t\t\t\t\t\tLearn more\t\t\t\t\t\t\t\t<i class=\"fa-solid fa-caret-down:\"><\/i>\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t<div class=\"c-keto-product-table__offer\">\n\t\t\t<h4 id=\"\"  class=\"c-keto-product-table__subtitle\"><\/h4><h5 id=\"rbc-high-interest-esavings-account\"  class=\"c-keto-product-table__title\">RBC High Interest eSavings Account<\/h5>\t\t<\/div>\n\t<\/td>\n\t\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__drivers c-keto-product-table__drivers--driver-1\" data-driver-id=\"3817\" data-driver-title=\"Interest Rate\">\n\t\t\t<div class=\"c-keto-product-table__driver\">\n\t\t\t\t<div class=\"c-keto-product-table__driver--value\">\n\t\t\t\t\t4.95%*\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-keto-product-table__driver--text\">\n\t\t\t\t\tPromotional rate\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/td>\n\t\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__drivers c-keto-product-table__drivers--driver-2\" data-driver-id=\"3821\" data-driver-title=\"Monthly Fee\">\n\t\t\t<div class=\"c-keto-product-table__driver\">\n\t\t\t\t<div class=\"c-keto-product-table__driver--value\">\n\t\t\t\t\t$0\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c-keto-product-table__driver--text\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/td>\n\t\t<td class=\"c-keto-product-table__cell c-keto-product-table__cta\">\n\n\t\t<div class=\"c-keto-product-table__cta-button--wrapper\">\n\t\t\t\t\t\t\t<div class=\"c-keto-product-table__link--card\">\n\t\t\t\t\t<a href=\"#rbc-high-interest-esavings-account\">\n\t\t\t\t\t\tLearn more\t\t\t\t\t\t<i class=\"fa-solid fa-caret-down\"><\/i>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t<\/div>\n\t<\/td>\n<\/tr>\n\n\t<\/table>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-normal-medium-font-size\" id=\"best-hisa-summary\" style=\"font-style:normal;font-weight:500;text-transform:uppercase\"><strong>Summary of our picks for the best high-interest savings accounts<\/strong><\/h2>\n\n\n\n<ul class=\"\">\n<li class=\"\">Best for a bonus offer with a premium period interest rate, <a href=\"#scotiabank-momentumplus-savings-account\">Scotiabank MomentumPLUS Savings Account<\/a><\/li>\n\n\n\n<li class=\"\">Best for a bonus offer with a tiered interest rate, <a href=\"#cibc-eadvantage-savings-account\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;CIBC eAdvantage\u00ae Savings Account&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:769,&quot;3&quot;:{&quot;1&quot;:0},&quot;11&quot;:3,&quot;12&quot;:0}\">CIBC eAdvantage\u00ae Savings Account<\/span><\/a><\/li>\n\n\n\n<li class=\"\">Best for a regular interest rate with cash back, <a href=\"#koho-spending-and-savings-account\">KOHO Spending and Savings Account<\/a><\/li>\n\n\n\n<li class=\"\">Best for a bonus offer, <a href=\"#manulife-bank-advantage-account\">Manulife Bank Advantage Account<\/a><\/li>\n\n\n\n<li class=\"\">Best for a bonus offer, <a href=\"#motive-savvy-savings-account\">Motive Savvy Savings Account<\/a><\/li>\n\n\n\n<li class=\"\">Best for a bonus offer, <a href=\"#simplii-financial-high-interest-savings-account\">Simplii Financial\u2122 High Interest Savings Account<\/a><\/li>\n\n\n\n<li class=\"\">Best for a bonus offer with cash back, <a href=\"#tangerine-tax-free-savings-account\">Tangerine Tax-Free Savings Account<\/a><\/li>\n\n\n\n<li class=\"\">Best for a regular interest rate with reward points, <a href=\"#the-pc-money-account\">PC Money Account<\/a><\/li>\n<\/ul>\n\n\n\n<div id=\"js-page-top\">\n\t<section class=\"c-block-product-card-list c-keto-product-cards-list__wrapper c-keto-product-cards-list__page-top container\" id=\"\">\n\t\t\n\t\t\n\t\t\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__10178\" id=\"scotiabank-momentumplus-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-hisas=\"true\" data-nw-product-category-savings-accounts=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t\t<h5 id=\"our-pick-for-best-bonus-offer-premium-period-interest-rate\"  class=\"c-keto-product-card__subtitle\">Our pick for best bonus offer + premium period interest rate<\/h5>\t\t\t\t<h3 id=\"scotiabank-momentumplus-savings-account\"  class=\"c-keto-product-card__title\">Scotiabank MomentumPLUS Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<a title=\"Scotiabank MomentumPLUS Savings Account\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/10178?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon nw-cta-image nw-cta\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"10178\" data-offer-title=\"Scotiabank MomentumPLUS Savings Account\" data-product-id=\"10175\" data-product-title=\"Scotiabank MomentumPLUS Savings Account\" data-institution-id=\"42\" data-institution-title=\"Scotiabank\" data-placement=\"Product card\" data-image=\"1\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"259\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-460x259.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Scotiabank MomentumPLUS Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-460x259.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-300x169.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-1024x576.png 1024w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-768x432.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-1536x864.png 1536w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-2048x1152.png 2048w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-373x210.png 373w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-276x155.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-100x56.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-40x23.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/scotiabank-logo-2-150x84.png 150w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"Up to 5.10%*\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tUp to 5.10%*\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Interest Rate\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\tWith the MomentumPLUS Savings Account, you can earn a savings rate of up to 5.10%* for 3 months: Regular Interest Rate + Premium Period Interest Rate + Package Interest Rate Boost + Welcome Bonus Interest Rate.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPromotional Rate\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t\t\t<div class=\"c-keto-product-card__cta-button--wrapper\">\n\t\t\t<div class=\"wp-block-button\"><a title=\"Scotiabank MomentumPLUS Savings Account\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/10178?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon d-block nw-cta wp-block-button__link wp-element-button external\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"10178\" data-offer-title=\"Scotiabank MomentumPLUS Savings Account\" data-product-id=\"10175\" data-product-title=\"Scotiabank MomentumPLUS Savings Account\" data-institution-id=\"42\" data-institution-title=\"Scotiabank\" data-placement=\"Product card\">Apply Now <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>The MomentumPLUS Savings Account offers a higher interest rate on long-term savings for multiple goals in one account.        \r\n<li>Founded in Halifax in 1832, Scotiabank is one of Canada\u2019s oldest and largest banks, a more or less permanent member of the country\u2019s Big Six financial institutions. Read our <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/scotiabank-review\">review of Scotiabank<\/a> for more information. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Earn a savings rate of up to 5.10%* for 3 months.\u00b9<\/li>\n<li>Save for multiple goals in one account.<\/li>\n<li>No monthly account fees or minimum balance required.<\/li>\n<li>Earn even more interest\u00b9 when you open and fund a Premium Period(s).\u00b2<\/li>\n<li>The longer you save, the higher your interest rate.<\/li>\n<li>Rates, fees and other information are effective as of January 31, 2025. Subject to change.<\/li>\n<li>Terms and Conditions Apply. Click &#8216;Apply Now&#8217; for complete details.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__9836\" id=\"cibc-eadvantage-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-hisas=\"true\" data-nw-product-category-savings-accounts=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t\t<h5 id=\"our-pick-for-best-bonus-offer-tiered-interest-rate\"  class=\"c-keto-product-card__subtitle\">Our pick for best bonus offer + tiered interest rate<\/h5>\t\t\t\t<h3 id=\"cibc-eadvantage%c2%ae-savings-account\"  class=\"c-keto-product-card__title\">CIBC eAdvantage\u00ae Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"259\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-460x259.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"CIBC eAdvantage\u00ae Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-460x259.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-300x169.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-1024x576.png 1024w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-768x432.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-1536x864.png 1536w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-2048x1152.png 2048w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-373x210.png 373w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-276x155.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-100x56.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-40x23.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/cibc-logo-150x84.png 150w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"Up to 5.25%*\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tUp to 5.25%*\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Interest Rate\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\tClients opening their first CIBC eAdvantage\u00ae Savings Account will earn bonus interest for 120 days (up to a balance limit of $1,000,000), in addition to the 1.70% regular interest rate and 0.50% Smart Interest when you save at least $200 per month (up to a balance limit of $200,000).\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPromotional rate\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>CIBC\u2019s eAdvantage\u00ae Savings Account can earn a healthy regular interest rate of up to 1.70%, which can be boosted to 5.25% through bonus interest and Smart Interest, which rewards you for saving at least $200 per month.\r\n<li>CIBC is a full-service multinational financial institution and one of the Big Six banks in Canada. Read our <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/cibc-review\">review <\/a> for more details.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Regular interest rate: 0.40% to 1.70% earned on all balances.<\/li>\n<li>Earn up to 5.25%.<\/li>\n<li>0.50% Smart Interest when you save at least $200 a month (up to a balance limit of $200,000).<\/li>\n<li>3.05% bonus interest rate for the first four months when you open your first account (up to a balance limit of $1,000,000).<\/li>\n<li>Set up automatic transfers with AutoSave so you can grow your savings without even thinking about it.<\/li>\n<li>Free online transfers between your accounts.<\/li>\n<li>No monthly fee.<\/li>\n<li>$5 fee for transactions, including debit purchases, CIBC withdrawals (including CIBC ATM), Interac e-Transfer transactions, cheques, pre-authorized payments, and bill payment.<\/li>\n<li>Bank when, where and how you want with CIBC Online Banking\u00ae and the award-winning CIBC Mobile Banking\u00ae App.<\/li>\n<li>Access to nearly 4,000 ATMs across Canada.<\/li>\n<li>Use your mobile device to deposit personal or business cheques.<\/li>\n<li>CIBC Smart Balance Alert\u2122 gives you a heads-up when your account is short on funds. That gives you time to make a transfer and avoid a non-sufficient funds (NSF) fee and a declined payment.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li>\n<li>To be eligible, you must be a Canadian resident who is the age of majority in your province or territory. If you\u2019re under the age of majority, apply by visiting a CIBC Banking Centre.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__3856\" id=\"koho-spending-and-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-hisas=\"true\" data-nw-product-category-savings-accounts=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t\t<h5 id=\"our-pick-for-best-regular-interest-rate-with-cash-back\"  class=\"c-keto-product-card__subtitle\">Our pick for best regular interest rate with cash back<\/h5>\t\t\t\t<h3 id=\"koho-spending-and-savings-account\"  class=\"c-keto-product-card__title\">KOHO Spending and Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<a title=\"KOHO Spending and Savings Account\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/3856?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon nw-cta-image nw-cta\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"3856\" data-offer-title=\"KOHO Spending and Savings Account\" data-product-id=\"3854\" data-product-title=\"KOHO Spending and Savings Account\" data-institution-id=\"64\" data-institution-title=\"KOHO\" data-placement=\"Product card\" data-image=\"1\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"115\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-460x115.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"KOHO Spending and Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-460x115.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-300x75.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-1024x255.png 1024w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-768x191.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-1536x383.png 1536w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-2048x510.png 2048w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-375x93.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-276x69.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-100x25.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-40x10.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/06\/KOHO_Logo_Wordmark_RGB_Indigo-150x37.png 150w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"Up to 4.00%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tUp to 4.00%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Interest Rate\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\tInterest rates: Essential Plan at 2.5%, Extra Plan at 3%, Everything Plan at 4%.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNo minimum balance required\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"30-day free trial\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t30-day free trial\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Bonus Offer\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\tAll KOHO subscription plans come with a free 30 day trial.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0-$19\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0-$19\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Monthly Fee\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\tMonthly fee waived if a direct deposit for paycheques or government benefits is set up or a monthly contribution of $1,000 or more.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t\t\t<div class=\"c-keto-product-card__cta-button--wrapper\">\n\t\t\t<div class=\"wp-block-button\"><a title=\"KOHO Spending and Savings Account\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/3856?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon d-block nw-cta wp-block-button__link wp-element-button external\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"3856\" data-offer-title=\"KOHO Spending and Savings Account\" data-product-id=\"3854\" data-product-title=\"KOHO Spending and Savings Account\" data-institution-id=\"64\" data-institution-title=\"KOHO\" data-placement=\"Product card\">Apply Now <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<b>Why we like it<\/b>\r\n<br><br>\r\n<ul>\r\n<li>This hybrid chequing-savings account earns up to 4.00% interest on savings and up to 5.00% cash back on purchases depending on the subscription plan selected.\r\n<li>KOHO is a virtual bank that also offers cash back prepaid Mastercards cards\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Get instant approval for your virtual card and add it to your wallet for secure, convenient payments.<\/li>\n<li>Earn up to 5% instant cash back on purchases with the KOHO prepaid Mastercard, based on your selected subscription plan.<\/li>\n<li>Interest rates: Essential Plan at 2.5%, Extra Plan at 3%, Everything Plan at 4%.<\/li>\n<li>Monthly fees: Essential Plan starting at $0, Extra Plan for $9, Everything Plan for $19.<\/li>\n<li>Access financial tools like spending pattern analysis, budgeting, automated savings, and the RoundUp feature to save on every purchase.<\/li>\n<li>Enjoy free withdrawals, e-Transfers, and more with no minimum balance required.<\/li>\n<li>Build your credit by paying rent through KOHO\u2019s Rent Reporting. Subscribe to any paid plan or Credit Building, and pay rent via e-Transfer, pre-authorized debit, or your KOHO card.<\/li>\n<li>Protect your savings with up to $100,000 in CDIC deposit insurance.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__40367\" id=\"manulife-bank-advantage-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-hisas=\"true\" data-nw-product-category-savings-accounts=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t\t<h5 id=\"our-pick-for-best-bonus-offer\"  class=\"c-keto-product-card__subtitle\">Our pick for best bonus offer<\/h5>\t\t\t\t<h3 id=\"manulife-bank-advantage-account\"  class=\"c-keto-product-card__title\">Manulife Bank Advantage Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"387\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-387x290.jpeg\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Manulife Bank Advantage Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-387x290.jpeg 387w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-300x225.jpeg 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-768x576.jpeg 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-280x210.jpeg 280w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-276x207.jpeg 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-100x75.jpeg 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-460x345.jpeg 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-40x30.jpeg 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-150x113.jpeg 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank.jpeg 800w\" sizes=\"(max-width: 387px) 100vw, 387px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"4.80%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4.80%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>The no-fee Advantage account offers high-interest savings and a generous promotional rate for new investors.\r\n<li>Manulife Bank has provided Canadians with branchless banking since 1993. Services include chequing and savings, credit cards, mortgages, loans, and investment accounts.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Interest is calculated daily and paid monthly.<\/li>\n<li>No monthly fee.<\/li>\n<li>Manage your money by phone, through online banking and a mobile app.<\/li>\n<li>There are no fees to open an account, make deposits, or withdraw funds.<\/li>\n<li>RRSPs, TFSAs and RRIFs are also available.<\/li>\n<li>Deposits and withdrawals are free.<\/li>\n<li>No minimum balance is required.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__10216\" id=\"motive-savvy-savings-account\" data-nw-product-category-hisas=\"true\" data-nw-product-category-savings-accounts=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t\t<h5 id=\"our-pick-for-best-bonus-offer\"  class=\"c-keto-product-card__subtitle\">Our pick for best bonus offer<\/h5>\t\t\t\t<h3 id=\"motive-savvy-savings-account\"  class=\"c-keto-product-card__title\">Motive Savvy Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/motive-logo.svg\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Motive Savvy Savings Account\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"2.75%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2.75%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Earn interest at a competitive rate on this no-fee and no-minimum balance HISA.         \r\n<li>Motive Financial is an online division of Canadian Western Bank and offers chequing and savings accounts, registered plans and GICs. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>2.75% interest for balances under $5,000,000, and 0.50% interest for balances $5,000,000.01 and over.<\/li>\n<li>Interest is calculated on the daily closing balance at the applicable rate tier and paid on the last day of the month, for the period beginning on the last day of the previous month and ending on the second last day of the month.<\/li>\n<li>No monthly fee.<\/li>\n<li>No minimum balance is required.<\/li>\n<li>Unlimited transfers between accounts. <\/li>\n<li>Free deposits. <\/li>\n<li>Withdrawals can be deposited into a Motive Savings or Motive Chequing account, a no-fee chequing account that earns interest.<\/li>\n<li>Manage your money by phone, through online banking and a mobile app.<\/li>\n<li>Unlimited transactions.<\/li>\n<li>Service fees are listed online.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li>\n<li>Motive Financial products are not available to Qu\u00e9bec residents.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__4552\" id=\"simplii-financial-high-interest-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-hisas=\"true\" data-nw-product-category-savings-accounts=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t\t<h5 id=\"our-pick-for-best-bonus-offer\"  class=\"c-keto-product-card__subtitle\">Our pick for best bonus offer<\/h5>\t\t\t\t<h3 id=\"simplii-financial%e2%84%a2-high-interest-savings-account\"  class=\"c-keto-product-card__title\">Simplii Financial\u2122 High Interest Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<a title=\"Simplii Financial\u2122 High Interest Savings Account\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/4552?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon nw-cta-image nw-cta\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"4552\" data-offer-title=\"Simplii Financial\u2122 High Interest Savings Account\" data-product-id=\"4550\" data-product-title=\"Simplii Financial\u2122 High Interest Savings Account\" data-institution-id=\"43\" data-institution-title=\"Simplii\" data-placement=\"Product card\" data-image=\"1\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"198\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-460x198.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Simplii Financial\u2122 High Interest Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-460x198.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-300x129.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-1024x442.png 1024w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-768x331.png 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-1536x663.png 1536w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-2048x883.png 2048w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-375x162.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-276x119.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-100x43.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-40x17.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Simplii-Financial-Stacked-Left-RGB-Black-150x65.png 150w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.90%*\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.90%*\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Interest Rate\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\tEarn a special 3.90% interest rate on eligible deposits for 5 months. Terms apply. Offer ends March 31, 2025.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPromotional rate\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t\t\t<div class=\"c-keto-product-card__cta-button--wrapper\">\n\t\t\t<div class=\"wp-block-button\"><a title=\"Simplii Financial\u2122 High Interest Savings Account\" href=\"https:\/\/www.nerdwallet.com\/ca\/go\/4552?section=pc\" target=\"_self\" rel=\"nofollow\" class=\"track-click track-click-mon d-block nw-cta wp-block-button__link wp-element-button external\" data-monetized=\"1\" data-vertical=\"Banking\" data-offer-id=\"4552\" data-offer-title=\"Simplii Financial\u2122 High Interest Savings Account\" data-product-id=\"4550\" data-product-title=\"Simplii Financial\u2122 High Interest Savings Account\" data-institution-id=\"43\" data-institution-title=\"Simplii\" data-placement=\"Product card\">Apply Now <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/a><\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Simplii&#8217;s no-fee HISA gives account holders access to CIBC ATMs in Canada.        \r\n<li>Simplii Financial is an online bank owned by CIBC that offers savings and chequing accounts, credit cards, mortgages, loans, lines of credit, registered plans, GICs, and mutual fund accounts. Read our <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/simplii-financial-review\">review of Simplii Financial<\/a> for more information.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Earn a special 3.90% interest rate on eligible deposits for 5 months. Terms apply. Offer ends March 31, 2025.<\/li>\n<li>0.30% to 2.00% interest rate depending on account balance.<\/li>\n<li>No monthly fee.<\/li>\n<li>Manage your money through online banking and a mobile app. <\/li>\n<li>Easily set up automatic deposits. <\/li>\n<li>HISA account holders can open a no-fee chequing account to access money from any CIBC ATM in Canada without a fee. <\/li>\n<li>No transaction or service fees.<\/li>\n<li>No minimum balance.<\/li>\n<li>Immediate access to your money through withdrawals, Interac e-Transfer, transfers to linked accounts, and more.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__3901\" id=\"tangerine-tax-free-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t\t<h5 id=\"our-pick-for-best-bonus-offer-with-cash-back\"  class=\"c-keto-product-card__subtitle\">Our pick for best bonus offer with cash back<\/h5>\t\t\t\t<h3 id=\"tangerine-tax-free-savings-account\"  class=\"c-keto-product-card__title\">Tangerine Tax-Free Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"95\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-460x95.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Tangerine Tax-Free Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-460x95.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-300x62.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-375x77.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-276x57.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-100x21.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-40x8.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-150x31.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine.png 640w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"4.50%*\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4.50%*\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Interest Rate\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t0.30% regular interest rate. The Tangerine New Client 4.50% Interest Rate Offer (the &quot;Offer&quot;) is available to new Tangerine Clients who: (a) have a Client Number created between December 18, 2024 and March 31, 2025, and (b) open an Eligible Savings Account as the Primary Account Holder within 60 days of the date their Client Number was created.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPromotional rate\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>This flexible, no-fee TFSA comes with a generous promotional offer that will earn you cash and a high rate of return for five months.         \r\n<li>Tangerine is a subsidiary of Scotiabank and offers chequing and savings accounts, GICS, registered accounts, credit cards, mortgages, loans and investment products. Read our <a>review of Tangerine<\/a> for more information. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>0.30% regular interest rate.<\/li>\n<li>No monthly fee.<\/li>\n<li>Automated savings program available.<\/li>\n<li>Manage your money by phone, through online banking and a mobile app.<\/li>\n<li>Other Tangerine TFSA investment options include Tax-Free GICs, available in 90-day to 5-year terms, and investment accounts and portfolios.<\/li>\n<li>Service fees are <a href=\"https:\/\/www.tangerine.ca\/file_source\/fberoot\/pdf\/en\/en_fair_fees_schedule.pdf\">listed online<\/a>.<\/li>\n<li>Deposits and withdrawals are free.<\/li>\n<li>$50 fee to transfer your TFSA to another bank (transferring in another TFSA is free).<\/li>\n<li>No minimum balance is required.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__11632\" id=\"the-pc-money-account\" data-nw-product-category-hisas=\"true\" data-nw-product-category-savings-accounts=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t\t<h5 id=\"our-pick-for-best-regular-interest-rate-with-reward-points\"  class=\"c-keto-product-card__subtitle\">Our pick for best regular interest rate with reward points<\/h5>\t\t\t\t<h3 id=\"the-pc-money%e2%84%a2-account\"  class=\"c-keto-product-card__title\">The PC Money\u2122 Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"186\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial-460x186.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"The PC Money\u2122 Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial-460x186.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial-300x121.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial-375x151.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial-276x111.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial-100x40.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial-40x16.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial-150x61.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/09\/Presidents-Choice-Financial.png 600w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.50%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.50%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Interest Rate\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\tEarn 3.50% with an optional feature available with the PC Money\u2122 Account.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"100,000 bonus PC Optimum points.*\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t100,000 bonus PC Optimum points.*\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Bonus Offer\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\tEarn 100,000 bonus PC Optimum points with a welcome offer when you open a PC Money Account and set up a min. of $1,500 in payroll or pension direct deposits for 3 consecutive months.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>The PC Money Account with the optional savings feature makes it an attractive high-interest paying no-fee hybrid account. Aside from the chequing and savings account features, it has a unique rewards program.\r\n<li>President\u2019s Choice Financial is part of Loblaw Companies Limited with millions of account holders across Canada that save bank fees and earn rewards through the PC Optimum points system.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Only new PC Money\u2122 Account cardholders can receive the bonus points.<\/li>\n<li>To qualify, you must deposit at least $1,500 per month via payroll or pension direct deposits for three consecutive months. Other deposits, such as Interac e-transfers, do not qualify.<\/li>\n<li>Standard points are awarded within 2-7 business days after each qualifying deposit, with bonus points awarded 4-6 weeks after requirements are met.<\/li>\n<li>Option to earn a high rate of interest with the savings feature.<\/li>\n<li>The savings feature is not available in Quebec. Residents can still open a PC Money Account and start earning points.<\/li>\n<li>No monthly fee.<\/li>\n<li>No minimum balance required.<\/li>\n<li>Free unlimited everyday transactions online and in-store, including electronic fund transfers, withdrawals at PC Financial bank machines, self-serve bill payments and purchases in Canadian dollars.<\/li>\n<li>Free Interac e-transfer services.<\/li>\n<li>The PC Money Account card, provided by Mastercard, is compatible with Apple Pay and Google Pay digital wallets and can be used anywhere Mastercard is accepted.<\/li>\n<li>PC Financial provides Mastercard Zero Liability Promise for unauthorized purchases.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\t\t<a class=\"js-scroll-to\" href=\"#js-page-top\">Back to Top<\/a>\n\t<\/section>\n<\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-hisa-rates\">Top HISA rates in Canada<\/h2>\n\n\n\n<p class=\"\">These HISAs also offer higher-than-average rates as of Jan. 8, 2025. But unlike the accounts featured in <a href=\"#best-hisa-summary\">our picks for best HISA<\/a>, some of these HISAs are limited to residents of a single province. <em>(Scroll horizontally to see more details about each HISA.)<\/em><\/p>\n\n\n<div class=\"c-tablepress-table-wrapper\" style=\"overflow-x: auto;\">\n<table id=\"tablepress-64\" class=\"tablepress tablepress-id-64\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><strong>Savings Account<\/strong><\/th><th class=\"column-2\"><strong>Interest Rate<\/strong><\/th><th class=\"column-3\"><strong>Monthly Fee<\/strong><\/th><th class=\"column-4\"><strong>Insurance<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Achieva Financial Daily Interest Savings Account<\/td><td class=\"column-2\">2.50%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Alterna Bank HISA<\/td><td class=\"column-2\">1.45%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">ATB Financial High Interest Savings Account (Alberta residents only)<\/td><td class=\"column-2\">3.30%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Guaranteed under the ATB Financial Act<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">BMO Savings Amplifier Account<\/td><td class=\"column-2\">up to 5.00%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"#bridgewater-bank-smart-esavings-account\">Bridgewater Bank  Smart eSavings\u2122 Account<\/a>**<\/td><td class=\"column-2\">3.15%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"#canadian-tire-high-interest-savings-account\">Canadian Tire High Interest Savings\u00ae Account<\/a>**<\/td><td class=\"column-2\">3.00%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Canadian Western Bank Summit Savings Account<\/td><td class=\"column-2\">0.90%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">CI Direct Investing High Interest Savings Account<\/td><td class=\"column-2\">2.25%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Canadian Investor Protection Fund<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">CIBC eAdvantage\u00ae Savings Account<\/td><td class=\"column-2\">up to 5.00%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">Coast Capital Savings High Interest Savings Account**<\/td><td class=\"column-2\">0.90%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">DUCA Earn More Savings Account (Ontario only)<\/td><td class=\"column-2\">4.00%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Financial Services Regulatory Authority of Ontario<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/go\/3852?section=rt\" rel=\"nofollow\">EQ Bank\u2019s Savings Plus Account<\/a>**<\/td><td class=\"column-2\">3.50%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">\u200bFirstOntario Credit Union High Interest eSavings Account (Ontario only)<\/td><td class=\"column-2\">1.10% - 1.20%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Financial Services Regulatory Authority of Ontario<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">Home Trust High Interest Savings Account (HISA)<\/td><td class=\"column-2\">3.00%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\"><a href=\"#hubert-financial-happy-high-interest-savings-account\">Hubert Financial Happy High-Interest Savings Account<\/a>**<\/td><td class=\"column-2\">1.85%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\">ICICI Bank HiSAVE\u00ae Savings Account<\/td><td class=\"column-2\">1.25%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\">Island Savings High Interest Savings Account (British Columbia only)<\/td><td class=\"column-2\">4.64%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\">Kindred Credit Union High Interest Savings (Ontario only)<\/td><td class=\"column-2\">1.60%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Financial Services Regulatory Authority of Ontario<\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/go\/3856?section=rt\" rel=\"nofollow\">KOHO Spending and Savings Account<\/a><\/td><td class=\"column-2\">up to 5.00%*<\/td><td class=\"column-3\">$0-$19<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-21 odd\">\n\t<td class=\"column-1\">Laurentian Bank High Interest Savings Account<\/td><td class=\"column-2\">up to 3.50%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-22 even\">\n\t<td class=\"column-1\">Manulife Bank Advantage Account<\/td><td class=\"column-2\">4.80%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-23 odd\">\n\t<td class=\"column-1\">MAXA Financial High Interest Savings Account<\/td><td class=\"column-2\">2.20%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-24 even\">\n\t<td class=\"column-1\">Meridian Credit Union High interest savings account<\/td><td class=\"column-2\">1.05%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Financial Services Regulatory Authority of Ontario<\/td>\n<\/tr>\n<tr class=\"row-25 odd\">\n\t<td class=\"column-1\">Motive Financial Motive Savvy Savings Account<\/td><td class=\"column-2\">4.75%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-26 even\">\n\t<td class=\"column-1\">motusbank High interest savings account<\/td><td class=\"column-2\">1.05%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-27 odd\">\n\t<td class=\"column-1\">National Bank of Canada High interest savings Account<\/td><td class=\"column-2\">1.00%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-28 even\">\n\t<td class=\"column-1\">Neo High-Interest Savings Account<\/td><td class=\"column-2\">3.00%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-29 odd\">\n\t<td class=\"column-1\"><a href=\"#oaken-savings-account\">Oaken Financial Savings Account<\/a><\/td><td class=\"column-2\">3.40%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-30 even\">\n\t<td class=\"column-1\">Outlook Financial High Interest Savings<\/td><td class=\"column-2\">2.20%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-31 odd\">\n\t<td class=\"column-1\">PC Money Account<\/td><td class=\"column-2\">4.00%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-32 even\">\n\t<td class=\"column-1\">Peoples Group e-Savings<\/td><td class=\"column-2\">2.25%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-33 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/rbc-high-interest-savings-account-review\" rel=\"noopener\" target=\"_blank\">RBC High Interest eSavings<\/a><\/td><td class=\"column-2\">4.95%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-34 even\">\n\t<td class=\"column-1\">Saven Financial High-Interest Savings Account<\/td><td class=\"column-2\">3.15%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Financial Services Regulatory Authority of Ontario<\/td>\n<\/tr>\n<tr class=\"row-35 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/go\/10178?section=rt\" rel=\"nofollow\">Scotiabank MomentumPLUS Savings Account<\/a><\/td><td class=\"column-2\">up to 5.25%* <\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-36 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/go\/4552?section=rt\" rel=\"nofollow\">Simplii Financial High Interest Savings Account<\/a><\/td><td class=\"column-2\">up to 3.90%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-37 odd\">\n\t<td class=\"column-1\">Steinbach Credit Union High Interest Savings Account<\/td><td class=\"column-2\">2.35%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-38 even\">\n\t<td class=\"column-1\"><a href=\"#tangerine-savings-account\">Tangerine Savings Account<\/a><\/td><td class=\"column-2\">up to 4.50%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-39 odd\">\n\t<td class=\"column-1\"><a href=\"#wealthone-high-interest-savings-account\">WealthONE Bank of Canada High Interest Savings Account<\/a><\/td><td class=\"column-2\">3.45%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-40 even\">\n\t<td class=\"column-1\">Wealthsimple Save<\/td><td class=\"column-2\">0.50%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p class=\"\"><em>(Not available to Quebec residents.)&nbsp;<\/em><\/p>\n\n\n\n<p class=\"\"><em>*Promotional rates offered by the bank. Conditions apply.<\/em><\/p>\n\n\n\n<p class=\"\"><a href=\"#top\">Back to Top<\/a><\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-trust-card is-style-alt\"><div class=\"c-block-trust-card\"><h3 id=\"methodology\"  class=\"c-block-trust-card__title\">Methodology<\/h3><div class=\"c-block-trust-card__description\"><p>NerdWallet Canada selects the best high-interest savings accounts based on several criteria. Factors in\u00a0<a href=\"https:\/\/www.nerdwallet.com\/ca\/financial-product-evaluation-methology#bnkmethod\">our evaluation methodology<\/a>\u00a0include annual percentage yields, minimum balances, fees, digital experience and more. Only high-interest savings accounts available in more than one province are considered for this list.<\/p><\/div><ul class=\"c-block-trust-card__bullet-points\"><\/ul><\/div><\/div>\n\n\n\t<div class=\"c-block-table-of-contents nw-table-of-contents wp-block-table-of-contents \">\n\t\t<div class=\"c-block-table-of-contents__table-wrapper \">\n\t\t\t<h2 id=\"\"  class=\"c-block-table-of-contents__title\"><\/h2>\n\t\t\t<ul class=\"c-block-table-of-contents__links\">\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t<div class=\"c-block-table-of-contents__show-more--wrapper\">\n\t\t\t\t<span class=\"c-block-table-of-contents__show-more\">\n\t\t\t\t\t<label class=\"show-more-label\" for=\"c-block-table-of-contents__show-more\">Show more<\/label>\n\t\t\t\t\t<label class=\"hide-more-label\" for=\"c-block-table-of-contents__show-more\">Show less<\/label>\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<p class=\"\"><a href=\"#top\">Back to Top<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"things-to-know-hisa\">Guide to high-interest savings accounts in Canada<\/h2>\n\n\n\n<h5 id=\"by-clay-jarvis-and-siddhi-jahagirdar\"  class=\"wp-block-heading\">By <a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\">Clay Jarvis<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sjahagirdar\">Siddhi Jahagirdar<\/a><\/h5>\n\n\n\n<p class=\"\">HISA stands for \u201c<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-high-interest-savings-account\">high-interest savings account<\/a>.\u201d Most banks and financial institutions in Canada offer HISAs. There are a few different types, including<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Basic HISAs<\/li>\n\n\n\n<li class=\"\">U.S. dollar HISAs<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-tfsa\">Tax-free savings account (TFSA) HISAs<\/a>, and<\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-rrsp\">Registered retirement savings plan (RRSP) HISAs<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"what-is-a-high-interest-savings-account\"  class=\"wp-block-heading\">What is a high-interest savings account?<\/h2>\n\n\n\n<p class=\"\">A high-interest savings account simply offers a more attractive interest rate than other savings accounts that may be offered by the institution. The interest rate is applied to the entire balance in your account and is typically calculated daily but paid out monthly.<\/p>\n\n\n\n<p class=\"\">Still, high-interest savings accounts may offer a rate of return that\u2019s lower than other investment options. Current rates for Canadian HISAs typically fall into the 1-2.50% range although some institutions may provide special promotional rates above 4%.<\/p>\n\n\n\n<h3 id=\"savings-account-vs-chequing-account\"  class=\"wp-block-heading\">Savings account vs. chequing account<\/h3>\n\n\n\n<p class=\"\">When determining what kind of bank account you need, one of the first choices you\u2019ll have to make is whether to go with a savings account or a chequing account.<\/p>\n\n\n\n<p class=\"\">A savings account is generally used for funds you don\u2019t intend on spending right away. It\u2019s a good option if you\u2019re looking for a place to stash cash and let it grow.<\/p>\n\n\n\n<p class=\"\">A chequing account is designed for everyday transactions. This is the kind of account most people use to pay for groceries and bills and have their paycheques deposited into. Because chequing accounts are intended for more high-volume use, they often come with monthly service fees and lower interest rates \u2014 if they pay interest at all.<\/p>\n\n\n\n<h2 id=\"how-does-a-high-interest-savings-account-work\"  class=\"wp-block-heading\">How does a high-interest savings account work?<\/h2>\n\n\n\n<p class=\"\">A HISA works similarly to any other <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-savings-account\">savings account<\/a>. When you deposit your money into an account at a bank or other financial institution, they may lend those funds to other clients. You have access to your money at any time, and to reward you for keeping your money in the account, the bank pays you a certain <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-interest-rate\">rate of interest<\/a>.<\/p>\n\n\n\n<h3 id=\"high-interest-savings-account-rules\"  class=\"wp-block-heading\">High-interest savings account rules<\/h3>\n\n\n\n<p class=\"\">While HISAs generally earn more interest than a regular savings account, they tend to be governed by more rules and include fewer perks. For example, most HISAs won\u2019t come with cheques or debit cards, since they\u2019re designed for savings and not daily banking. It might take one or two days to transfer money from your HISA to another account, and you might need to pay a fee for e-transfers from your HISA account.<\/p>\n\n\n\n<p class=\"\">Rules will vary from bank to bank, so be sure to read the fine print before opening a HISA. Generally speaking, a HISA is a good place to save toward your financial goals, and you should handle your day-to-day banking through your <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-chequing-account\">chequing account<\/a>.<\/p>\n\n\n\n<h3 id=\"how-high-interest-savings-accounts-earn-interest\"  class=\"wp-block-heading\">How high-interest savings accounts earn interest<\/h3>\n\n\n\n<p class=\"\">HISA interest is usually presented as an <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/apr-vs-apy\">annual percentage yield<\/a>, but the interest is normally calculated daily and paid back into the account monthly.<\/p>\n\n\n\n<p class=\"\">This means you\u2019ll earn <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-compound-interest\">compound interest<\/a> (interest on the interest) in your HISA, which is ideal for helping your savings grow faster. For example, let\u2019s say that you put $10,000 in your HISA with an interest rate of 1%, and then you don\u2019t touch your account for one year. You will have earned $100.50 in interest by the end of the year, so your HISA will contain $10,100.50.<\/p>\n\n\n\n<p class=\"\">But know that interest rates are subject to change without notice, so make sure to check your account often so you know how much you\u2019re actually earning.<\/p>\n\n\n\n<h3 id=\"high-interest-savings-account-investment\"  class=\"wp-block-heading\">High-interest savings account investment<\/h3>\n\n\n\n<p class=\"\">As an investment option, a HISA presents very little risk. But that also means your rate of return is lower than what you might earn with other investments. A HISA is a good tool to have in your financial kit, but you may not want to rely on them alone for long-term savings goals, such as retirement.<\/p>\n\n\n\n<h3 id=\"high-interest-savings-account-taxes\"  class=\"wp-block-heading\">High-interest savings account taxes<\/h3>\n\n\n\n<p class=\"\">Like regular earnings, the interest generated by your HISA savings is considered taxable income by the Canadian Revenue Agency.<\/p>\n\n\n\n<p class=\"\">When you file your <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-a-tax-return\">tax return<\/a>, you\u2019ll be expected to disclose the interest earned. That figure can be found in the return of investment income slip, known as a T5, your financial institution sends you each year.<\/p>\n\n\n\n<p class=\"\">The rate of tax you pay on the interest from a high-interest savings account is the same rate that\u2019s applied to the rest of your earnings.<\/p>\n\n\n\n<h2 id=\"tfsa-vs-high-interest-savings-account\"  class=\"wp-block-heading\">TFSA vs high-interest savings account<\/h2>\n\n\n\n<p class=\"\">Even though high-interest savings accounts and <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/how-to-invest-in-tfsa\">tax-free savings accounts (TFSAs)<\/a> appear similar on the surface, they are typically used for completely different purposes.<\/p>\n\n\n\n<p class=\"\">A HISA is simply an account where you store your money and earn a higher rate of interest.<\/p>\n\n\n\n<p class=\"\">You can also save money and earn interest in a TFSA, but the money you deposit into a TFSA can also be invested in other products, like stocks, mutual funds and ETFs.<\/p>\n\n\n\n<p class=\"\">Your returns on TFSA investments are tax-free, whereas the interest earned by your HISA is not.<\/p>\n\n\n\n<h2 id=\"rrsp-vs-high-interest-savings-account\"  class=\"wp-block-heading\">RRSP vs high-interest savings account<\/h2>\n\n\n\n<p class=\"\">High-interest savings accounts and <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-an-rrsp\">registered retirement savings plans<\/a>, or RRSPs, are both places where you can grow your savings.<\/p>\n\n\n\n<p class=\"\">The money you deposit into your RRSP, and the income you earn from it, is treated differently than what goes into your HISA.<\/p>\n\n\n\n<p class=\"\">Unlike HISA deposits, RRSP contributions reduce your taxable income, which can significantly decrease your tax bill. The income you earn in an RRSP is typically tax-free, but when you withdraw money from the account, you\u2019ll have to pay taxes on it.<\/p>\n\n\n\n<h2 id=\"gic-vs-high-interest-savings-account\"  class=\"wp-block-heading\">GIC vs high-interest savings account<\/h2>\n\n\n\n<p class=\"\">Another financial product similar to a high-interest savings account is a <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-gic\">guaranteed investment certificate<\/a>, or GIC.<\/p>\n\n\n\n<p class=\"\">With a GIC, you deposit money into a financial institution for a predetermined length of time in exchange for a guaranteed rate of interest. The length of GIC terms varies; some are as short as a month, others can be several years. The longer the term, the more interest you\u2019ll typically earn.<\/p>\n\n\n\n<p class=\"\">With a HISA, you can withdraw your money anytime you like. With a GIC, you may be required to pay a penalty if you try to retrieve your money before the term expires.<\/p>\n\n\n\n<h2 id=\"who-should-open-a-high-interest-savings-account\"  class=\"wp-block-heading\">Who should open a high-interest savings account?<\/h2>\n\n\n\n<p class=\"\">A <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-savings-accounts\">savings account<\/a> is a critical component of a well-rounded financial portfolio. Having one allows you to organize your finances and keep your savings secure while putting money aside for major purchases and emergencies.<\/p>\n\n\n\n<p class=\"\">High-interest savings accounts are particularly valuable for people who want to give their savings a boost but who may lack access to investment vehicles that pay a higher rate of interest.<\/p>\n\n\n\n<p class=\"\">If you\u2019re saving for a shorter-term goal, like paying for a wedding, vacation or making a down payment on a car or home, a HISA may help you reach your goal a little sooner.<\/p>\n\n\n\n<h2 id=\"how-to-use-a-high-interest-savings-account\"  class=\"wp-block-heading\">How to use a high-interest savings account<\/h2>\n\n\n\n<p class=\"\">A HISA is a savings vehicle that you can use to grow your money for any number of reasons, including:<\/p>\n\n\n\n<h3 id=\"starting-an-emergency-fund\"  class=\"wp-block-heading\">Starting an emergency fund<\/h3>\n\n\n\n<p class=\"\">An <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-an-emergency-fund\">emergency fund<\/a> is money you set aside specifically for those unforeseen life events that require quick cash. Urgent medical issues, car repairs and storm damage to a roof or basement are just a few examples of sudden costs that your credit card may not be able to cover.<\/p>\n\n\n\n<p class=\"\">An emergency fund can also provide a lifeline if you or someone in your family loses a job and your household\u2019s income takes a hit.<\/p>\n\n\n\n<p class=\"\">Emergency funds should be easily accessible, which is why a high-interest savings account can be a good place to store them.<\/p>\n\n\n\n<h3 id=\"short-term-savings-goals\"  class=\"wp-block-heading\">Short-term savings goals<\/h3>\n\n\n\n<p class=\"\">A high-interest savings account can also help you prepare for those just-over-the-horizon purchases that require a little extra saving.<\/p>\n\n\n\n<p class=\"\">If you know your car will need to be replaced in the coming months, or that your family wants to get together for a luxurious vacation next year, saving your money in a HISA well ahead of time can help you earn interest while planning to cover those costs.<\/p>\n\n\n\n<h3 id=\"large-but-predictable-expenses\"  class=\"wp-block-heading\">Large but predictable expenses<\/h3>\n\n\n\n<p class=\"\">Saving for major expenses is another goal a high-interest savings account can help you accomplish. Significant life events like retirement, post-secondary education, getting married or <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/mistakes-buying-your-first-home\">buying a home<\/a> can require a healthy stack of cash. The higher yields offered by HISAs can help you build that stack a little faster.<\/p>\n\n\n\n<h2 id=\"how-to-choose-the-best-high-interest-savings-account\"  class=\"wp-block-heading\">How to choose the best high-interest savings account<\/h2>\n\n\n\n<p class=\"\">Each bank or credit union has its own terms and conditions for high-interest savings accounts. Here are things you should consider when deciding where to stash your money.<\/p>\n\n\n\n<h3 id=\"minimum-deposit\"  class=\"wp-block-heading\">Minimum deposit<\/h3>\n\n\n\n<p class=\"\">Some high-interest savings accounts require you to make a minimum deposit when you open your account.<\/p>\n\n\n\n<p class=\"\">These deposits can as low as $25 or much higher, so be sure to read the fine print or ask a customer service representative what initial deposit will be expected.<\/p>\n\n\n\n<h3 id=\"reputation-and-security\"  class=\"wp-block-heading\">Reputation and security<\/h3>\n\n\n\n<p class=\"\">When choosing a HISA, first make sure you pick a <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-credit-union\">reputable bank or credit union<\/a>. It doesn\u2019t have to be your usual bank, but make sure it has good reviews and is insured.<\/p>\n\n\n\n<h3 id=\"financial-goals\"  class=\"wp-block-heading\">Financial goals<\/h3>\n\n\n\n<p class=\"\">Also, think about why you\u2019re opening the HISA. Are you saving for something in the near future, like a summer vacation, or something further away, like <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-save-for-a-down-payment\">buying a house in five years<\/a>? Make sure the account offers a level of accessibility that will meet your needs.<\/p>\n\n\n\n<h3 id=\"interest-rate\"  class=\"wp-block-heading\">Interest rate<\/h3>\n\n\n\n<p class=\"\">Next, make sure the account offers a good <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-interest-rate\">interest rate<\/a>. It\u2019s important to be mindful of \u201cteaser\u201d or \u201cpromo\u201d rates versus regular rates. Many Canadian banks offer higher promotional rates when you first open a HISA, but those rates only last a short time (sometimes five or six months). After that, the interest rate drops, often quite significantly. An account with a high promotional rate isn\u2019t always the best option, but if you can make a significant initial deposit or are only saving for the short term, it could still be the right choice to maximize earnings.<\/p>\n\n\n\n<h3 id=\"service-fees\"  class=\"wp-block-heading\">Service fees<\/h3>\n\n\n\n<p class=\"\">Few things in life are free, even when it comes to saving your own money.<\/p>\n\n\n\n<p class=\"\">Having a high-interest savings account isn\u2019t likely to cost you a regular monthly fee, but you might still have to pay for certain withdrawals or transfers. Some accounts offer a few free transactions every month, others allow you to avoid paying <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/bank-fees-and-charges\">bank fees<\/a> so long as your account holds a minimum monthly balance.<\/p>\n\n\n\n<h2 id=\"how-to-open-a-hisa\"  class=\"wp-block-heading\">How to open a HISA<\/h2>\n\n\n\n<p class=\"\"><span style=\"font-weight: 400\">With plenty of <\/span><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/online-banks-explained\"><span style=\"font-weight: 400\">online-only banks<\/span><\/a><span style=\"font-weight: 400\"> to choose from, opening a HISA is quite easy and can often be done in as little as five <\/span>minutes.<\/p>\n\n\n\n<p class=\"\">To <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/how-to-open-a-bank-account\">open a bank account<\/a>, most financial institutions require account holders to be the age of majority in your province or territory and a resident of Canada with a permanent address.<\/p>\n\n\n\n<p class=\"\">Some financial institutions, like credit unions, may only offer HISAs to residents of certain provinces.&nbsp;For example, Quebec residents may not be eligible for all HISA offers.<\/p>\n\n\n\n<p class=\"\">If you meet the age and residence requirements of the bank you hope to open an account with, all you should need to do is:<\/p>\n\n\n\n<ol class=\"\">\n<li class=\"\">Provide your personal information, including your full name, mailing address and date of birth.<\/li>\n\n\n\n<li class=\"\">Prove your identity and supply your social insurance number (SIN) for tax purposes.<\/li>\n\n\n\n<li class=\"\">Provide a personal email address, particularly if you\u2019re opening an account with an online-only bank.<\/li>\n<\/ol>\n\n\n\n<p class=\"\">If you need assistance or would rather open a HISA in person, be sure to choose a bank or financial institution that has physical branches. You can also usually get help from a customer service representative via phone or online chat.<\/p>\n\n\n\n<h2 id=\"other-types-of-investment-accounts-to-consider\"  class=\"wp-block-heading\">Other types of investment accounts to consider<\/h2>\n\n\n\n<p class=\"\">If you have long-term savings goals, you might also consider other investment options like:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-savings-accounts\">Savings accounts.<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-online-savings-accounts\">Online savings accounts.<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-tfsa\">Tax-free savings accounts (TFSAs).<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-rrsp\">Registered retirement savings plans (RRSPs).<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-gic\">Guaranteed investment certificates (GICs).<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\"><a href=\"#top\">Back to Top<\/a><\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-faq c-block-faq\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div class=\"c-block-faq__wrapper\"><div class=\"c-block-faq__header\"><h2 id=\"\"  class=\"c-block-faq__title\"><\/h2><\/div><div class=\"c-block-faq__section-list\">\n<div class=\"wp-block-nerdwallet-blocks-faq-section\"><div class=\"c-block-faq-section c-block-accordion-wrapper\"><div class=\"c-block-accordion__header\"><h3 id=\"frequently-asked-questions-about-high-interest-savings-accounts\"  class=\"c-block-accordion__title\">Frequently asked questions about high-interest savings accounts<\/h3><\/div><div class=\"c-block-accordion-list\">\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">Do I need a high-interest savings account?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">A <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts\">high-interest savings account<\/a> isn\u2019t a necessity but can help you make the most of your savings. HISAs have plenty of great uses, they\u2019re often insured, and there\u2019s no chance of losing money. This makes them a great fit for shorter-term savings goals or holding any extra money you have on hand.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">Are HISAs taxed?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">Yes, gains generated by a <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts\">high-interest savings account<\/a> will be taxed annually. Every year, your bank will send you a T5 slip that shows your interest earnings. You must submit this form along with your other income when you file your taxes. To avoid paying taxes on your savings, look into opening a TFSA.<\/p>\n<\/div><div class=\"c-block-accordion-item__more-link\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-tfsa\" target=\"_self\" rel=\"noopener\">What is a TFSA and how does it work?<\/a><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 id=\"dive-even-deeper\"  class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-45060\" class=\"c-block-card post-45060 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-guaranteed-investment-certificates-gic\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/gic-vs-hisa\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"435\" height=\"290\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/09\/GettyImages-1139792993-435x290.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"GIC vs. HISA: How to Choose\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"gic-vs-hisa-how-to-choose\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/gic-vs-hisa\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tGIC vs. HISA: How to Choose\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>HISAs and GICs are both low-risk financial tools, but have important differences in interest rates, access to your cash and more. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sandra-macgregor\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Sandra-MacGregor-e1626212852416-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-45060 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-4870\" class=\"c-block-card post-4870 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-guaranteed-investment-certificates-gic\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-gic-explained\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"198\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/GettyImages-1285914519-e1647977856544-460x198.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Should You Hold a GIC in Your TFSA?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"should-you-hold-a-gic-in-your-tfsa\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-gic-explained\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tShould You Hold a GIC in Your TFSA?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Holding a guaranteed investment certificate in a tax-free savings account is a way to avoid paying taxes on earned interest.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sjahagirdar\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Headshot_Siddhi-Jahagirdar-e1648746969870-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Siddhi Bagwe<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-4870 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2993\" class=\"c-block-card post-2993 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-registered-banking-products\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-tfsa\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Best-High-Interest-TFSA-e1639177706748-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Best Tax-Free Savings Account Rates in Canada for 2025\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"best-tax-free-savings-account-rates-in-canada-for-2025\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-tfsa\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBest Tax-Free Savings Account Rates in Canada for 2025\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>The best high-interest tax-free savings accounts (TFSAs) have minimal fees and earn high rates of interest.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2993 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-251\" class=\"c-block-card post-251 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-financial-institution cluster-credit-union\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-credit-union\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"192\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/GettyImages-1168969642-e1625174957519-460x192.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"What Is a Credit Union?\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"what-is-a-credit-union\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-credit-union\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tWhat Is a Credit Union?\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>A credit union is a not-for-profit financial institution owned by its customers and run as a cooperative.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/nora-dunn\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/Nora-Dunn-The-Professional-Hobo-0035-e1637619627161-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Nora Dunn<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-251 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>Compare top interest rates and discover the best no-fee high-interest savings accounts (HISAs) in Canada. <\/p>\n","protected":false},"author":25,"featured_media":2691,"parent":100,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":true,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[15],"topic":[106],"cluster":[206],"pp_author":[87,307],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- 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