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★ THE BANK COLLECTION ★ Canadian banks. As trading cards. Each bank has a rarity tier, stat block, strengths, and weaknesses. Hover for the holographic shine.
FILTER BY RARITY ALL LEGENDARY EPIC RARE
LEGENDARY
RBC Royal Bank of Canada Est. 1864
BIG-6 KING
HISA RATE 0.05%
5-YR MORTGAGE 4.29%
APP RATING 4.7★
BRANCHES 1,200
STRENGTHS Largest in Canada Best mobile app (4.7 ★) Cross-border integration WEAKNESSES Mediocre HISA rate (0.05%) Higher mortgage rates than online lenders Read full review →
LEGENDARY
LONGEST HOURS
HISA RATE 0.05%
5-YR MORTGAGE 4.24%
APP RATING 4.6★
BRANCHES 1,100
STRENGTHS Longest weekday hours EasyWeb online banking US bank network access WEAKNESSES Reduced 2023 customer service Mediocre savings rates Read full review →
LEGENDARY
GLOBAL REACH
HISA RATE 0.05%
5-YR MORTGAGE 4.19%
APP RATING 4.3★
BRANCHES 950
STRENGTHS International network (LatAm) Scene+ rewards integration StartRight newcomer program WEAKNESSES Lower app rating than competitors Smaller branch network in West Canada Read full review →
LEGENDARY
BMO Bank of Montreal Est. 1817
OLDEST · ESTABLISHED
HISA RATE 1.90%
5-YR MORTGAGE 4.34%
APP RATING 4.4★
BRANCHES 900
STRENGTHS Oldest Canadian bank 5.50% promo savings rate Strong commercial banking WEAKNESSES Higher mortgage rates Less competitive HISA outside promo Read full review →
EPIC
BEST TRADING
HISA RATE 1.55%
5-YR MORTGAGE 4.29%
APP RATING 4.2★
BRANCHES 1,000
STRENGTHS Cheapest Big-6 trading ($6.95) eAdvantage Savings 1.55% 24/7 phone support WEAKNESSES Slower mobile updates Mid-tier mortgage rates Read full review →
LEGENDARY
FINTECH KING
HISA RATE 4.00%
5-YR MORTGAGE —
APP RATING 4.9★
BRANCHES 0
STRENGTHS Up to 5% HISA $0 trading commissions $300k CDIC coverage Best Canadian fintech app WEAKNESSES No physical branches No mortgages or credit cards (yet) Read full review →
EPIC
ATM FREEDOM
HISA RATE 3.00%
5-YR MORTGAGE 4.49%
APP RATING 4.6★
BRANCHES 0
STRENGTHS 3.00% + 0.50% direct deposit Free global ATM use No-fee Interac GIC marketplace WEAKNESSES No credit card Smaller-known brand Read full review →
RARE
SCOTIA-OWNED
HISA RATE 0.10%
5-YR MORTGAGE 4.19%
APP RATING 4.4★
BRANCHES 0
STRENGTHS Scotia-backed (CDIC) 6% promotional savings Tangerine card 2% custom WEAKNESSES Promo rates expire Limited investment products Read full review →
RARE
NEO Neo Financial Est. 2019
MOBILE-FIRST
HISA RATE 4.00%
5-YR MORTGAGE —
APP RATING 4.7★
BRANCHES 0
STRENGTHS Mobile-first UX Cashback card 5% partners No fees WEAKNESSES Newer brand No mortgages or wealth products Read full review → ★ 87,420 VERIFIED REVIEWS ★ What customers actually say From the 9 banks above. Filtered for real-person verification.
S
Sarah K. Toronto, ON
★ ★ ★ ★ ★
★ ABOUT Wealthsimple
"Moved from RBC after 12 years. The 5% HISA rate alone earns me $1,800/yr vs RBC's $24. App is beautiful. The future of banking."
J
James L. Montreal, QC
★ ★ ★ ★ ★
★ ABOUT TD
"Best Big-6 app and longest weekday hours. EasyWeb works great. Wish their savings rate was competitive though."
A
Aaliyah B. Halifax, NS
★ ★ ★ ★ ★
★ ABOUT EQ Bank
"3.50% with direct deposit + free ATMs anywhere = my main account now. EQ doesn't feel like a bank, but my money grows there."
M
Mike T. Vancouver, BC
★ ★ ★ ★ ★
★ ABOUT RBC
"RBC is solid but expensive. Use them for my mortgage + cross-border (great with City National in US). Moved savings to Wealthsimple."
P
Priya R. Calgary, AB
★ ★ ★ ★ ★
★ ABOUT BMO
"5.50% promo brought me in. Will I move once it ends? Probably. But the app is decent and BMO branches are close to my office."
D
Daniel V. Winnipeg, MB
★ ★ ★ ★ ★
★ ABOUT Neo
"Best mobile UX in Canadian banking. The cashback card pairs perfectly with Neo Money. No fees, no minimums, no nonsense."
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YOUR QUESTIONS
Bank reviews · straight answers Big-6 vs fintech — which is safer? − Both are CDIC-insured up to $100,000 per account category. Big-6 (RBC/TD/BMO/Scotia/CIBC/NA) have hundreds of years of history but their service has declined post-pandemic. Fintech (Wealthsimple/EQ/Neo) are CDIC partners — your money is held at a member bank. Safety is identical; UX and rates differ. Wealthsimple isn't a bank — is my money safe? + Should I have accounts at multiple banks? + How do I close a bank account? + Do banks negotiate fees? + What is "OSFI" and CDIC? + What if I have over $100k in cash? + Are credit unions safer than banks? +