Bank of Montreal
8.84.4(1)
8 products in this market
Direct lenderCurrent accountSavings FCAC
10 of 11 providers
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Scotiabank
8.74.3(1)
28 products in this market · from 9.99%
Direct lenderCredit cardCorporate cardSavingsBusiness account+1 FCAC
Simplii Financial
8.74.4(1)
8 products in this market · from 21.99%
Direct lenderCredit cardSavingsCurrent accountPersonal loan FCAC
Spring Financial
8.54.3(1)
Spring Financial Personal Loan · from 9.99%
Direct lenderPersonal loan FCAC
T
Coast Capital: Anyone living in Canada outside Quebec can apply for membership. Approved members buy $5 in Membership Equity Shares (a one-time investment, not a fee). Mortgage and personal-loan rates are not posted on the public site. Homepage GIC specials: 3.50% on a 2-year non-redeemable GIC and 3.00% on a 1-year redeemable GIC (net-new deposits). Source: coastcapitalsavings.com membership details and homepage, 2026-08-27.
Scotiabank: Annual fee: CAD 399. Purchase interest: 9.99%. Cash advances: 9.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Spring Financial: Unsecured loans $500–$35,000; terms 6–84 months; interest 9.99%–34.95%; APR 9.99%–35.00%. Age of majority, Canadian government ID, active Canadian bank account and steady income required. Application is free. Funds by EFT after signing. Soft inquiry first; a hard inquiry is only done with consent if needed. Lends in all provinces/territories. Source: springfinancial.ca/help-centre/personal-loans, 2026-08-27.
Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 29. Purchase interest: 13.99%. Cash advances: 13.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Neo Financial: Issuer determines eligibility and available card type after application. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Neo Financial: Secured credit requires security funds and the Build membership, CAD 9.99 per month, in addition to any annual card fee. Issuer determines available card and credit type after application. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Neo Financial: Neo Mastercard has $0 annual fee. Purchase APR 19.99%–29.99%; cash advances 22.99%–31.99%. Quebec purchase 19.99%–24.99%; cash advances 22.99%–25% (FAQ truncated on-page). Rate is set at account level. Traditional limit up to $10,000. Secured option requires refundable security funds and Build membership ($7.99/month). Must live in Canada, have Canadian photo ID, and be the age of majority. Source: neofinancial.com/credit-cards/neo-mastercard, 2026-08-27.
Scotiabank: Annual fee: USD 35. Purchase interest: 19.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Tangerine: No annual fee. Purchase interest 20.95%; cash advances and balance transfers 22.95%. Penalty rates 25.95% / 27.95% after two missed consecutive minimum payments. Cash-advance fee $3.50 in Canada / $5 outside. Regular BT fee 3% (min $5). Promo 1.95% BT for 6 statement periods on transfers within 30 days of opening (1% promo BT fee; waived in Quebec). Foreign conversion 2.50%. New-card 10% cash-back offer (up to $100) if applied by 30 Sep 2026. Source: tangerine.ca Money-Back Credit Card, 2026-08-27.
Tangerine: Annual Interest Rates: The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers). See the information Box at tangerine.ca/creditcardlegal for full details. Rates and fees are subject to change. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 0. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 49. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 120. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank SMB: Business applicants only. Annual fee: CAD 79. Purchase interest 20.99%; cash advances 22.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 150. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank SMB: Business applicants only. Annual fee: CAD 199. Purchase interest 20.99%; cash advances 22.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 599. Purchase interest: 20.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Wealthsimple: Requires Canadian residency, age of majority and an active Wealthsimple chequing account. Limited quantities; meeting eligibility does not guarantee a card. Monthly fee CAD 20 below CAD 100,000 in individual assets; Quebec clients billed annually. Fee waiver available with qualifying CAD 4,000 monthly direct deposit. Purchase interest 20.99%; cash advances 22.99%; penalty rates 25.99%/27.99% after two missed consecutive minimum payments. Income, household-income or asset/spend eligibility criteria apply; see issuer terms. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank SMB: Business applicants only. Annual fee: CAD 0. Purchase interest 21.99%; cash advances 23.99%. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 0. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. Student eligibility requirements apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank: Annual fee: CAD 120. Purchase interest: 21.99%. Cash advances: 22.99%. Rates and fees may change; see issuer information box. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Simplii Financial: No annual fee. Purchase interest 21.99%; cash advances 22.99%. Payment due 21 days from statement date. 4% restaurants/bars/coffee up to $5,000 spend/year; 1.5% gas, groceries, drugstore and pre-authorized payments up to $15,000/year; 0.5% on all other purchases with no cap. Cash back is accumulated Jan–Dec and applied on the January statement. Minimum household income $15,000. Age of majority. Canadian citizen or permanent resident excluding Quebec; no bankruptcy in the last 7 years. Source: simplii.com Cash Back Visa, 2026-08-27.
LoanConnect: LoanConnect is not a lender. Borrow $500–$60,000 at 8.99%–35% APR, terms 3–120 months (FAQ says most lenders use 12–60 months). Example: $2,000 at 29.96% for 24 months costs $2,685.12 ($111.88/month). Soft check on search; the chosen lender typically hard-pulls. Existing-debt payments generally must stay under 60% of income. Origination fees, when charged, are often around $100 and are built into the quoted payment. Source: loanconnect.ca/faq, 2026-08-27.
Wealthsimple: Product availability and eligibility are determined by the provider. Check the provider’s current terms before applying. We do not receive commission on this link.
Helcim: No monthly, software, statement, PCI or cancellation fees. Interchange+ margins: $0–$50k 0.40%+8¢ in-person / 0.50%+25¢ keyed/online; $50–100k 0.35%+7¢ / 0.45%+20¢; $100–500k 0.25%+7¢ / 0.35%+20¢; $500k–$1M 0.20%+6¢ / 0.25%+15¢; $1–5M 0.15%+6¢ / 0.15%+15¢. Recurring-payments add-on +0.4%. Chargeback $15 if lost; ACH reject $5. Smart Terminal $349 or $32/month. Source: helcim.com/pricing FAQ, 2026-08-27.
Scotiabank: Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.
Royal Bank of Canada (Business Banking): Published chequing package fees: Digital Choice $6/month, Flex Choice $7/month, Ultimate $100/month, Community and Not-For-Profit $3.75/month, US Dollar Business $9/month. All include unlimited Moneris deposits and no minimum balance. Source: rbcroyalbank.com business chequing accounts, 2026-08-27.
Scotiabank SMB: Business applicants only. Annual fee: CAD 0. Variable interest linked to Scotiabank prime; see issuer terms. Eligibility and credit approval apply. We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Scotiabank SMB: Published business chequing monthly fees: Right Size $6; Select from $20 (waivable with a minimum daily balance); Basic Business $10.95; Community $3; Scotia Professional Plan Plus $38; ScotiaOne agriculture $40. Source: scotiabank.com business bank accounts, 2026-08-27.
This page groups issuers in Canada that appear as banks or deposit-takers on live offers. Eligible deposits are covered by CDIC coverage under OSFI and the FCAC. A consumer-credit firm can be licensed without being a bank — that does not make it unregulated, but deposit protection may not apply to a loan balance you owe them.
What a bank listing means here
We only show issuers with a current offer we can attribute. For the full set of lenders and brokers, use the lender directory. Compare products on personal loans, mortgages and credit cards, or start with match.
How we treat commercial relationships is on the editorial policy page. Bank versus consumer credit is the short explainer.
FAQ
Questions readers in this market ask
Answered with local rules, local supervision and local pricing — not a translated US page.
Who supervises the providers compared on Buckmatch in Canada?
Every institution listed for Canada is supervised by OSFI and the FCAC. Eligible deposits are covered by CDIC coverage up to $100,000 per depositor and institution.
What does "APR" mean here?
APR is the effective annual cost used in Canada, including interest and mandatory fees. We always show the local measure so figures match the provider's own price list.
Do you check my credit to show matches?
Providers in Canada assess applications with a Equifax / TransUnion Canada. We shortlist on the published minimum criteria only — Buckmatch never runs a credit check.
How current is the pricing on this page?
Every figure on this page is read from the provider's own product feed, so it changes here when the provider changes it rather than when we get round to retyping it. We deliberately do not stamp a verification date on the page: the feed does not record when a provider last reviewed a figure, so any date we printed would be our guess dressed up as a fact. Where a required number is missing from the feed we leave the field empty instead of estimating it.
How does Buckmatch make money?
Providers pay us a fee, and in most cases it falls due only if a reader goes on to be approved for or take up the product; on a few products it is a percentage of the amount borrowed. That never changes the order: it is computed from the price the provider publishes, before any commercial term is read, and placement is not for sale. The methodology page sets out exactly how the order is derived so you can check a list against it.
Is this financial advice?
No. Buckmatch compares published product criteria and produces a match, not a recommendation, and never a promise of approval. Your own eligibility is decided by the provider after its own assessment.