Buckmatch
Match
Personal

Savings accounts in Canada

Instant-access savings with the protected amount and rate conditions in plain sight.

17Offers
3%Best APR
7Providers
  • ✓Free to compare
  • ✓Supervised by OSFI and the FCAC
  • ✓CDIC coverage up to $100,000

read live from provider feeds

Market coverage: 17 providers tracked in this market. Providers pay us, usually only if you take up a product; the order is computed from the rate they publish — read how we order lists and where the figures come from. How we order lists Data sources.

Available now

Savings accounts you can open today

Live from the providers we have a distribution agreement with in your market.

1

Coast Capital Savings

8.74.4(1)
Savings rate
3%–3.5%
≈ $300/yrinterest on $10,000, before tax
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review

Illustration at the lowest listed rate on a round deposit for one year, before tax; rates are variable unless the account is fixed.

Example

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.

2

BMO Savings Amplifier

8.84.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

3

BMO Savings Builder

8.84.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

4

Neo Savings Account

8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

5

Scotia High Interest Savings Account

8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

6

Simplii Financial High Interest Savings

8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

7

Simplii Financial RRSP Savings Account

8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

8

Simplii Financial Tax-Free Savings Account

8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

9

Simplii Financial USD Savings Account

8.74.4(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

10

Tangerine Children’s Savings Account

8.94.5(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

11

Tangerine RIF Savings Account

8.94.5(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

12

Tangerine RSP Savings Account

8.94.5(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

13

Tangerine Savings Account

8.94.5(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

14

Tangerine TFSA Savings Account

8.94.5(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

15

Tangerine US$ Savings Account

8.94.5(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
  • FCAC
Open account
Full review
Example

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.

16

Wealthsimple Savings

9.04.5(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
Open account
Full review
Example

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.

17

Wealthsimple USD savings

9.04.5(1)
Savings rate
—
Deposit
n/a
  • Free withdrawals
Open account
Full review
Example

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.

Labels are derived from the published terms in this list — the lowest rate, the fastest stated payout, the widest amount range — and are recalculated whenever the list changes. They are not paid placements.

You are comparing this market from outside it. Availability and terms differ by province and state, so this list is limited to products that may be offered in all of them — from inside the market you may see more.

Buckmatch is paid by the lenders and banks whose products appear here. Best return first. The list is ordered on the annual interest rate each provider publishes, from highest to lowest. How this list is ordered

Payment is usually contingent on you taking up a product — being approved, drawing the loan, or being issued the card. It does not affect the order of this list, or the rates and fees shown, which come from the provider. We are not a lender, a mortgage broker or an adviser.

The order is calculated before any commercial term is considered. No provider can pay for a higher position, and products with no published rate appear last.

Eligible deposits with a member institution are protected by the Canada Deposit Insurance Corporation, within limits and by category. Coverage is per member institution, not per brand — several deposit brands can belong to one member institution, in which case a single limit covers all of them.

Payment does not affect this order. No provider can buy a higher position, and the order is calculated from published rates before any commercial term is considered. Products with no published rate appear last.

Where two products carry the same rate, the earlier one keeps its place. Products we earn nothing from are ordered the same way as products we do.

We do not cover every product on the market. A provider absent from this list is not a judgement about it.

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.

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.

Scotiabank: Provider eligibility and current terms apply. Consult the provider before applying. We do not receive commission on this link.

Local to Canada

Products that only exist in this market

TFSA

Tax-free savings account — growth and withdrawals are untaxed.

RRSP

Registered retirement plan with tax-deductible contributions.

FHSA

First home savings account combining RRSP deduction with TFSA withdrawals.

Open the local calculators

Pricing shown is indicative and taken from published price lists for Canada. It is a comparison based on published product criteria — not financial advice, and never a promise of approval.

Savings accounts in Canada are deposits you can usually reach without a long lock-up. Buckmatch lists licensed providers with a live apply link. Eligible balances are covered by CDIC coverage under OSFI and the FCAC — a higher advertised rate is not a reason to ignore the licence or the protection limit.

What to compare

  • The advertised rate and the conditions that keep it (minimum balance, new-money only, a teaser period).
  • How fast you can withdraw, and whether a withdrawal kills the rate.
  • Whether the account sits with a deposit-taker covered by CDIC coverage.

A tax wrapper available in this market can change the net return even when the headline rate looks ordinary. Tax wrappers and savings and deposit protection explain those two lines. Sketch growth in the savings calculator or the local tools.

Fixed terms are a different product: term deposits. Everyday banking sits with banks. Borrowing is not saving — start from personal loans if you need credit.

FAQ

Questions readers in this market ask

Answered with local rules, local supervision and local pricing — not a translated US page.

Which savings rate is highest in Canada?

Use the rate on a written offer, and check whether it is an introductory bonus. Eligible deposits stay within the CDIC coverage limit of $100,000. We do not invent a market-top figure.

Are there tax-efficient savings products here?

TFSA: Tax-free savings account — growth and withdrawals are untaxed. RRSP: Registered retirement plan with tax-deductible contributions. FHSA: First home savings account combining RRSP deduction with TFSA withdrawals.

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.