Monetization
Tools I actually use
A running list of Canadian banks, fintechs, and investing apps I either pay for or would recommend to a friend over coffee.
Disclosure: Some links on this page are affiliate links, which means I may earn a commission if you sign up through them — at no extra cost to you. I only list products I use, have used, or would honestly recommend. If a link isn't affiliate, I say so.
Wealthsimple
The first place I ever bought an index fund. I use Wealthsimple for my S&P 500 position and my tiny TFSA rebuild.
Open a Wealthsimple account →KOHO
A no-fee prepaid Visa that pays cash back on groceries and gas. I use it to keep variable spending in a separate bucket so I don't touch the credit cards.
Try KOHO →Scotiabank Value Visa
My lowest-rate card. If you're carrying a balance, this is the kind of card that actually helps you pay it down instead of drowning in interest.
Learn more about Scotiabank Value Visa →RBC Avion
I keep this one for travel protection and the odd points redemption. Not a debt-payoff card — but useful if you pay it off monthly.
See RBC Avion details →Neo Financial
Canadian fintech with a high cash-back card and a no-fee savings account. Good option if you're trying to break up with the big banks.
Check out Neo →EQ Bank
Where I keep my emergency fund. Their savings rates usually beat the big banks, and the account has no monthly fees.
Open an EQ Bank account →Want the free starter kit?
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