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 If a service is outdated, we flag it.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.
Ladder your investment to help maximize your returns without parking all your money into one term.
Maximized returns via laddered strategy
Laddered product. Rate represents up to 3.10% over a 1-5 year blended strategy.
Online and Mobile Banking
CDIC Insured: This product is identified as eligible for CDIC deposit protection, subject to applicable limits and conditions.
Rates, fees, eligibility requirements and promotional terms can change. Confirm all current details directly with CIBC before opening the account.
