We deploy rigorous data analysis to index and score the market. Our recommendations are derived from raw data, ensuring zero bias from advertiser influence.
We strive to be the smartest financial friend you have. Our goal is to save you money, not upsell you junk.
Ads pay the bills, but our Math runs the show. See our "No-Nonsense" Disclosure
A buddy for your wallet
FULL TRANSPARENCYA comprehensive overview of our business model, data ethics, and commitment to unbiased service.
RateBuddy is free for you to use, but it does cost money to run. To cover our expenses, we earn revenue through advertisements and sponsorship placements. This means our partners often compensate us when you click a link or apply for a product through our site. Importantly, this does not change our product ratings, rankings, reviews, or opinions. We strive to show you the most options possible so you can make informed decisions.
Our obligation to you supersedes any business relationship. This applies to everything we do—from the code that sorts rates to the advice in our guides. If a product has excessive fees, we expose them. If a service is outdated, we flag it. We are built to be your advocate, ensuring you always have the full, unvarnished picture.
While we strive to scan the entire market, the financial world is massive. We might not list every single credit union or local bank in existence. However, we work tirelessly to present the most competitive offers available in Canada.
Our opinions are our own. If a card has a terrible fee, we’ll tell you. If a bank has a glitchy app, we’ll warn you. Our loyalty is to your wallet.
When you apply through an eligible RateBuddy button or link, the bank or card issuer may pay RateBuddy a commission. For selected offers, we share part of that commission with you as a real cash rebate, sent directly by Interac e-Transfer. No gimmicks, points, contests or games—just cash once your eligibility is confirmed. To qualify, you must start and complete your application using the eligible RateBuddy button or link and meet the offer terms. We aim to pay your rebate as soon as the bank or card issuer confirms that you qualify. Confirmation can sometimes take up to 90 days, so your rebate payment may take that long.
See how to claim your extra cash
A buddy for your wallet
Groceries. Bills. Something you’re saving for. Every dollar has a place in your life, and even small savings can make a difference.
Our goal is simple: help you keep more money in your wallet and put a little extra back whenever we can.
Make every dollar count.We help you compare fees, benefits and offers in plain language, so you can decide what works for you.
Share a little more with you.On selected offers, we share part of our commission as a cash rebate. It’s extra money for whatever matters to you.
Give you the honest picture.Our reviews explain each product’s pros and cons. Paid advertising cannot change those findings.
Every penny matters to you. It matters to us, too.
Banking in Canada
Compare chequing accounts, savings and GICs. Explore banking offers and available RateBuddy rebates.
RateBuddyOFFERS AT A GLANCE
Earn a $200 cash welcome bonus‡—plus $0 monthly fees, unlimited banking and free iTRADE trades. Terms and conditions apply. Welcome offer ends
Get from RateBuddy$75
Rebate ends
$0 monthly fee | No direct-deposit or minimum-balance requirement | Unlimited transactions | Free e-Transfers | 2% annual interest on your full eligible balance | 1% cash back on groceries, transit, and food & drink | Up to 6.5% extra cash back at selected merchants | Free credit-score monitoring | Terms apply
Earn up to 15% cashback¹ when you shop with Neo partners. Instant access to your virtual Neo Money™ card, accepted anywhere Mastercard is.
Get from RateBuddy$10
Pay $0 monthly Fee with a $3,000 daily balance—plus 25 transactions and free e-Transfers
Get from RateBuddy$60
Rebate ends
Earn Up to $1,000 in Welcome Bonuses with a Preferred Package Bundle. Conditions Apply.*. Welcome offer ends
Get from RateBuddy$75
Rebate ends
KOHO Everything: More Rewards. More Perks. More for Your Money.
Get from RateBuddy$10
RateBuddy Exclusive Offer: New KOHO members can earn 5% interest for 3 months with promo code RB5S26. Up to $100 interest earned; eligible transactions only. After the promo period, continue earning 2.50% interest, plus 1.5% unlimited cash back on groceries, transportation, food & drinks. Terms apply.
Send money to over 130 countries with $0 transfer fees via CIBC Global Money Transfer.
Get $500 cash when you open a CIBC Smart Account and set up a recurring direct deposit plus 2 pre-authorized debits. Bundle to earn up to $600 with an eligible credit card.
From daily chequing to long-term savings, explore all your banking options.
Your contribution room is more than just this year's limit. It's a cumulative total that grows every year you're eligible.
Use this tool for a clear, personalized breakdown and find out exactly how much you can contribute today, tax-free.
| Year | Limit | Cumulative |
|---|
Use government-registered plans to grow your money tax-free or tax-deferred.
Grow your money completely tax-free. Perfect for almost any savings goal.
Save for retirement with tax-deductible contributions to grow your nest egg tax-deferred.
The ultimate tool for first-time home buyers, combining a tax deduction with tax-free growth.
Your top banking questions, answered by the Ratebuddy team.
I've been squirreling away some secrets for you! The single biggest mistake Canadians make is keeping their savings in a big bank's default account.
Digital banks and credit unions often offer interest rates 20, 30, or even 50 times higher. Moving your emergency fund to a high-interest account is the fastest way to get free money and beat inflation. It's like finding a hidden stash of the best acorns!
From your first no-fee chequing account to advanced TFSA and RRSP strategies, our comprehensive 2025 guide is the only resource you need to navigate Canadian banking with confidence.
Read the Ultimate Guide
