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 If a service is outdated, we flag it.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.
Your banking needs are shaped by how you manage your money, whether that means regular branch visits, online payments or a mix of both. Age-based benefits can be useful, but the everyday details still matter. Compare eligibility, fees, transaction allowances and available services to find an account that feels practical for your routine.
RateBuddyOFFERS AT A GLANCE
Earn Up to $1,000 in Welcome Bonuses with a Preferred Package Bundle. Conditions Apply.*. Welcome offer ends
Get from RateBuddy$75
Rebate ends
Get $500 cash when you open a CIBC Smart Account and set up a recurring direct deposit plus 2 pre-authorized debits.
KOHO Everything: More Rewards. More Perks. More for Your Money.
Special Pricing: Students & Youth pay $0/mo. Newcomers pay $0/mo for 2 years. Seniors pay $13.95/mo. Indigenous customers pay $0/mo for 1 year. Canadian Defence Community members pay $0/mo. Newcomers get a small safety deposit box free for 12 months.
Earn up to $800 cash + Walmart Delivery Pass! 1) Get $500: Open by June 1, 2026, and complete 2 of 3 tasks by July 31 (Direct Deposit of $500+, two $50+ bill payments, or two $50+ PADs). 2) Get $100: Maintain the $500+ direct deposit for 12 months. 3) Get $150: Open a Savings Amplifier, deposit $10k within 30 days, and maintain for 90 days. 4) Get $50: Create a Goal & Strategy in My Financial Progress.
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.
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Compare the available options below, keeping age requirements and available discounts in mind. Review each account’s details and offer conditions before deciding.
