Canadian Bank & Investment Account Offers

Updated on January 16, 2023

Chequing Accounts

HSBC Premier Chequing Account
Earn up to $500* when you open an HSBC premier chequing account
• A Premier bank account like no other - including priority service, exclusive privileges and global support that can be extended to your immediate family.
• A dedicated Relationship Manager as your one point of contact for all your banking needs.
• $0 monthly fee with unlimited withdrawals and deposits in Canadian and US Dollar, including FREE Interac e-Transfer® fees*
• Unlike other banks, put your minimum balance in any HSBC chequing, savings, TFSAs, RRSPs and more
• HSBC Premier status for you and your family in all countries where you bank with us, with free international account opening and instant global transfers between your HSBC accounts worldwide
• FREE wire transfer to send foreign currency less than $10,000*

Apply Now

*Terms and conditions apply. Offer value is composed of multiple products, offer ends March 31, 2023.
®Trade-mark of Interac Inc. Used under license.
Issued by HSBC Canada.

HSBC Advance Chequing Account
Earn up to $400* when you open an HSBC chequing account online.
• A flexible, all-inclusive chequing account that allows you to bank on your terms
• No monthly fees* for the first 6 months, and later when you maintain $5,000 minimum balance in combined deposits and investments, including chequing, savings, RRSPs, TFSAs and more 
• Or no monthly fees when you hold a personal mortgage with us with an original amount of $150,000 or more
• Unlimited day-to-day chequing account transactions*, Free Interac e-Transfer®
• Access to HSBC +Rewards, our lowest interest rate credit card
• Convenient online international money transfer (over 30 countries)*
• Free ATM withdrawals at any HSBC or EXCHANGE Network ATMs (over 3,000 locations across Canada)
• Access to emergency cash while outside of Canada at any HSBC branch worldwide.

Apply Now

Issued by HSBC Bank Canada. *Terms and conditions apply. Offer value is composed of multiple products, valid from May 16, 2022 to March 31, 2023.
®Trade-mark of Interac Inc. Used under license.
® THE EXCHANGE is a registered trademark owned by Fiserv Inc. licensed for use in Canada by FICANEX Services Limited Partnership.




Scotiabank Preferred Package


Make money while you wait. Earn up to 4.55% interest on your MomentumPLUS Savings Account
• Earn a $350* welcome bonus with the Scotiabank Preferred Package!
• Unlimited debit transactions2& Interac e-Transfer† transactions
• First year annual fee waiver (up to $150) on select credit cards2
• Send money globally for $1.993 with Scotia International Money Transfer
• Earn rewards on debit transactions with the Scene+ TM Program2

Apply Now

*To qualify, certain conditions must be met. Offer ends April 30, 2023. Visit here for full terms
• The longer you save, the higher your interest rate.
Plus, save for multiple goals in one account.
1 Conditions apply. Actual interest rate will vary based on the savings period (the Premium Period) that applies. Visit scotiabank.com/mpsa to learn more.
2 Conditions apply. Visit here to learn more
3 Foreign currency exchange rate also applies.Subject to daily limits and additional Terms and Conditions found in the Scotiabank International Money Transfer Agreement.

† Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license
®Registered trademarks of The Bank of Nova Scotia

Scotiabank Ultimate Package

Make money while you wait. Earn up to 4.60% interest on your MomentumPLUS Savings Account
• Earn a $350* welcome bonus with the Scotiabank Ultimate Package!
• Unlimited debit transactions & Interac e-Transfer† transactions
• Up to $150 annual fee waiver each year on select credit cards2
• Unlimited no-fee Scotia International Money Transfers3
• Earn rewards on debit transactions with the Scene+ TM Program2

Apply Now


* To qualify, certain conditions must be met. Offer ends April 30, 2023. Visit here for full terms. The longer you save, the higher your interest rate. Plus, save for multiple goals in one account
1 Conditions apply. Actual interest rate will vary based on the savings period (the Premium Period) that applies. Visit scotiabank.com/mpsa to learn more.
2 Conditions apply. Visit here to learn more.
3 For Ultimate Package customers, no service fee is charged for the transfer, however, foreign currency exchange rates apply. Subject to daily limits and additional Terms and Conditions found in the Scotiabank International Money Transfer Agreement.
† Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license
®Registered trademarks of The Bank of Nova Scotia



Simplii Financial™ No Fee Chequing Account

Life’s always busy and you work hard every day for your money – it’s time for your bank account to do the same.

  • Welcome offer: Earn $350† when you become a new client:
    Just set up minimum of 3 consecutive months of eligible direct deposits (payroll, government payments) Limits apply. Offer ends October 31st, 2022
  • No monthly fees with no minimum balance
  • Free daily banking: unlimited debit purchases, bill payments & withdrawals
  • Free access to over 3,400 CIBC ATMs across Canada
  • Direct Payroll and Pension Deposit
  • Overdraft Protection
  • Fixed interest rate of 19.00% will be applied on overdraft balances, in addition to a monthly charge when ODP is used. |
  • Pre-authorized Bill Payments
  • Account to Account Transfers

Apply Now





Savings Accounts

HSBC High Rate Savings Account

Make more on every dollar in your CAD High Rate Savings Account

- Competitive interest rate of up to 1.55%* per annum
- 1.55% per annum when your daily closing balance is $25K or over
- 1.05% per annum otherwise
- No minimum balance
- Interest is calculated daily and paid monthly
- No monthly fees+
- Quick and easy online account opening with HSBC EasyID
- Access to your savings account through online or mobile banking, by phone, and at thousands of HSBC Bank Canada and THE EXCHANGE® network ATMs across Canada and around the world
- Free transfers between your savings and your other HSBC accounts with convenient international banking features

Apply Now


*All rates as of January 16, 2023 and subject to change without notice.
The regular interest rate is per annum and is calculated daily on the entire HRSA balance and paid monthly (regular interest rate tiers: $0-$24,999 at 1.05% and $25,000 or more at 1.55%).
+ Debit card fees for withdrawal may apply (see Personal Service Charges Statement of Disclosure to learn more).
® THE EXCHANGE and Accel are registered trademarks owned by Fiserv Inc. licensed for use in Canada by FICANEX Services Limited partnership.
®Interac e-Transfer is a registered trade-mark of Interac Inc. Used under license.
For more information and to confirm most recent rates, please visit hsbc.ca



​Neo Money ™

  
Sign up today and receive a $5 bonus!1

• No fees, 2.25%2 interest rate as of August 10, 2022 (not a promotional rate; Savings interest rate is calculated daily on the closing balance and paid monthly)
• Earn up to 225x3 more than at traditional banks (0.05% is the rate at most banks for high interest savings accounts, with 0% on most daily everyday chequing accounts - unlimited transaction accounts are typically $29.99 per month, whereas Neo is free)
• Make bill payments, send and receive Interac e-Transfers®, and make bank to bank transfers to and from existing bank account - all with no monthly fees or minimum balances and unlimited free transactions
• Manage everything from the phone app, whenever and wherever. Desktop/web banking is also available
​• Much like any bank account at a traditional bank, the Neo Savings account is eligible for CDIC deposit protection, and provided by Concentra Bank, a CDIC member institution. Deposits held in Neo Savings accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor.

Apply Now



Neo Money™ is provided by Concentra Bank.


® Trademark of Interac Inc. Used under license.
1 Limited-time offer. Only new Neo Money™ customers are eligible for this offer. This offer is only awarded if a new customer opens a Neo Money™ Account and deposits a minimum of $50 within the next 90 days. Offer is subject to the Rewards Policy, the Neo Platform Terms and Conditions and all other applicable terms and conditions. Offer may be amended or cancelled at any time without notice.
2 Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.
3 Based on research comparing high-interest savings rate of Canada’s ‘Big 5’ banks using a $100 investment, excluding promotional rates and rate premiums. Research was conducted by Neo Financial and based on data taken from public websites as at August 10, 2022.



Scotiabank MomentumPLUS Savings Account


• With the MomentumPLUS Savings Account, you can earn a savings rate of up to 4.60%* for 5 months
• All your savings goals, one high interest savings account. With the MomentumPLUS Savings Account, the longer you save, the higher your interest rate

Apply Now

*To qualify, certain conditions must be met.

† Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license
®Registered trademarks of The Bank of Nova Scotia "



Simplii Financial™ High Interest Savings Account

  • Earn 5.00% interest on your savings (Apply by Jan 31, 23)
  • Great rates on every dollar
  • No minimum balance needed
  • No monthly or transaction fees
  • Complete digital signup
  • Easily set up automatic deposits

Apply Now

Tangerine Savings
Accounts


Special Offer: Get a 2.10% savings rate when you open your first Savings and Chequing Accounts. Plus, you could earn $150*.


Apply Now

Legal
*The New Client 2.10% Interest Rate and $150 Cash Bonus Bundle Offer (the "Offer") is available to new Tangerine Clients who: (a) have a Client Number created between November 24, 2020 and January 31, 2021, (b) become a Tangerine Client using the Promo Code “EARNMORE”, (c) open an Applicable Savings Account within 30 days of the date their Client Number was created, and (d) open a Tangerine Chequing Account within 30 days of the date their Client Number was created (collectively the “Offer Qualifying Conditions”). The 2.10% Promotional Rate will apply to deposits made to an Eligible Client’s Applicable Savings Account(s) for 153 days (5 months) beginning on the date all Offer Qualifying Conditions have been met, to a maximum of $1,000,000† per Applicable Savings Account Type (for deposits to registered Applicable Savings Accounts made through a T2033 form, please see the full Offer Terms and Conditions). The Promotional Rate is an annualized rate, calculated daily and paid monthly. To be eligible for the $150 Cash Bonus, in addition to meeting all Offer Qualifying Conditions, an Eligible Client must switch their eligible payroll direct deposit for at least 3 consecutive months and must have the first payroll direct deposit received in their Tangerine Chequing Account within 60 days of Chequing Account opening. Limit of one (1) Cash Bonus per Primary Account Holder. The Offer is only applicable to Accounts where the Eligible Client is the Primary Account Holder. Offer is not transferable and can’t be combined with other promotional savings rate offers or chequing cash bonus offers. Full Offer Terms and Conditions, including definitions of any capitalized terms and a list of eligible payroll direct deposits, are available here. Offer may be changed, extended or cancelled without notice.

†For US$ Savings Accounts, the combined maximum deposit amount for this Account Type is $1,000,000 USD.



Student Bank Accounts

HSBC Student Chequing Account
Get up to $150* when you open an HSBC Student Account
• Open an account online and receive $100 cash bonus*, even before you arrive in Canada
• No monthly fees No minimum balance required
• Unlimited chequing account transactions
• Free Interac e-Transfer® Free withdrawals from your account at HSBC Bank Canada or THE EXCHANGE® Network ATMs
• Free mobile cheque deposit
• Secure Mobile & Online banking

Apply Now

*Terms and conditions apply. Applies for new HSBC customers only. Offer ends March 31, 2023.
®Trade-mark of Interac Inc. Used under license.
® THE EXCHANGE and Accel logos are registered trademarks of Fiserv, Inc., licensed for use in Canada by FICANEX Services Limited Partnership
Issued by HSBC Canada.



Scotia Student Banking Advantage® Plan


• Open a student account today and earn $75*
• Unlimited debit transactions2
• Unlimited Interac e-Transfer† transactions2
• Earn rewards on debit transactions3

Apply Now


* Conditions apply. Offer ends January 31, 2023. Visit https://www.scotiabank.com/ca/en/personal/bank-accounts/students/student-banking-advantage-plan.html for full terms.
2 Conditions apply. Visit https://www.scotiabank.com/ca/en/personal/bank-accounts/students/student-banking-advantage-plan.html to learn more.
3 Choose between the SCENE and Scotia Rewards reward programs.
†Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license."





Investment Accounts

Motley Fool Canada: Have Money to Invest? New Stock Picks Every Month from Legendary Investors. Now Only $99 for new members!

Simplify the way you trade cryptocurrency by joining me on NDAX – Use our referral link and we will both get $10. Learn more here.

WealthSimple Trade: Sign up for Wealthsimple Trade and earn double the rewards - the cash equivalent of two stocks Find out more here (We will also receive a bonus when you sign up with our link)