Banking, but make it smart. What a concept.

Earn more

Monthly fees? No way. Up to 125× more earnings than other banks? Absolutely. Free transactions? You got it.

Without all the banking nonsense

No gimmicks, no accounts you don’t need, just seamless digital banking where all of our customers get the same best rates—without nonsense like promo rates, paperwork and lineups.

We’re secure and trusted too

We have top-notch security and all of our deposit products are eligible for CDIC deposit insurance. We’re also trusted by hundreds of thousands of customers to the tune of over $5B in deposits—and backed by Equitable Bank which has 50+ years of experience in the Canadian market.

Screenshot of  intuitive digital banking interface

Banking, but make it smart. What a concept.

Earn more

Monthly fees? No way. Up to 125× more earnings than other banks? Absolutely. Free transactions? You got it.

Without all the banking nonsense

No gimmicks, no accounts you don’t need, just seamless digital banking where all of our customers get the same best rates—without nonsense like promo rates, paperwork and lineups.

We’re secure and trusted too

We have top-notch security and all of our deposit products are eligible for CDIC deposit insurance. We’re also trusted by hundreds of thousands of customers to the tune of over $5B in deposits—and backed by Equitable Bank which has 50+ years of experience in the Canadian market.

Screenshot of intuitive mobile digital banking interface

Savings Plus Account

Earn up to 125× more than other banks without all the nonsense.

  • 1.25% interest*
  • No monthly fees or minimum balance
  • Free bill payments
  • Free Interac e-Transfers® and more

Joint Savings Plus Account

All the perks of the Savings Plus Account, for a smarter shared banking experience.

  • 1.25% interest*
  • Easy online sign-up with zero paperwork
  • Add up to 3 people in a single click

TFSA Savings Account

Earn more with high interest and tax-free earnings.

  • 2.30% interest*, tax-free
    (please note: our rate will be changing to 1.25%* effective May 26th, 2021)
  • Zero fees for bigger earnings
  • No minimum balance
  • No-nonsense online sign-up in minutes

GICs

Invest it and forget it with guaranteed rates on our registered and non-registered GICs.

  • Earn more with incredible rates
  • Invest for the short term or long term
  • Break free of restrictions with our low minimum deposit
  • Skip the hassle and buy a GIC in seconds

RSP Savings Account

Grow your retirement savings the smart way.

  • 2.30% interest* on every tax-deferred dollar
    (please note: our rate will be changing to 1.25%* effective May 26th, 2021)
  • Zero fees for bigger earnings
  • No minimum balance or other banking nonsense
  • Online sign-up in minutes

TFSA Savings Account

Invest smarter with high interest and tax-free earnings.

  • 2.30% interest*, tax-free
    (please note: our rate will be changing to 1.25%* effective May 26th, 2021)
  • Zero fees for bigger earnings
  • No minimum balance
  • No-nonsense online sign-up in minutes

International Money Transfers

Need to send money or make payments abroad? Do it for a whole lot less.

  • Up to 8× cheaper than other banks
  • A no-nonsense, zero-markup exchange rate
  • Send money direct from your account in a few easy steps
  • Get your money there fast (some transfers are instant!)

Need more proof?
Crunch the numbers

Smart money means earning more without the nonsense of annoying fees. And what does it all add up to? Take our calculator for a spin and find out

You could earn 0 over 0 years! Start banking smarter today.

We checked and...
we check all the boxes

EQ Bank

High interest rates
The same best rates for all customers
No monthly or hidden fees and free transactions
No bank account minimum balances
No branches = more value


Other Banks

Can-barely-see-them interest rates
Different rates for different customers…sigh
Monthly and hidden fees, transaction fees, etc.
Bank account minimum balances often required
Expensive branches = more costs


Our customers have been talking

Getting noticed in a big way

Hold on...are you still not convinced?

Most people never scroll down this far, but if you really, really need a recap, we’re not opposed to a cheat sheet. Here's why you should want smart money in your pocket:

  • Earn more with incredible rates and no monthly fees
  • Skip the nonsense of bank account minimum balances and confusing gimmicks
  • Get safety and security from a bank you can trust

Are you ready now?

Sign up

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Unpacking all things money.

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