🇨🇦 Canada · Live rates · Updated hourly
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Updated every morning from the Bank of Canada and the institutions themselves. Independent, no sponsored rankings.
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HISA / Savings
2.80% · no lock-in
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Savings
Best HISA rates, ranked.
High-interest savings accounts. No lock-in, fully liquid. Sorted by everyday rate.
| Bank | Rate | Minimum | Fees | Promo | |
|---|---|---|---|---|---|
O Oaken Financial #1 | 2.80% | $0 | None | — | Open |
E EQ Bank #2 | 2.75% | $0 | None | — | Open |
N Neo Financial #3 | 2.75% | $0 | None | — | Open |
A ATB Financial #4 | 2.10% | $0 | None | — | |
K KOHO #5 | 2.00% | $0 | None | — | Open |
W Wealthsimple #6 | 1.75% | $0 | None | — | Open |
M Manulife Bank #7 | 1.50% | $0 | None | 3.00% promo · until 2-year term from account opening | Open |
B BMO #8 | 1.00% | $0 | None | — | |
R RBC #9 | 0.55% | $0 | None | 4.60% promo · until 2026-10-27 | |
T TD Bank #10 | 0.45% | $0 | None | 1.50% promo · until Not time-limited — TD Growth Savings Account's balance-tiered Boosted Rate, requires a linked eligible TD Chequing Account and 2 of 3 Qualifying Monthly Transactions/month. Tiers: $5k=0.50%, $10k-$99,999=1.00%, $100k-$499,999=1.30%, $500k+=1.50%. | |
T Tangerine #11 | 0.30% | $0 | None | 5.00% promo · until 2026-12-31 | Open |
S Simplii Financial #12 | 0.30% | $0 | None | 4.60% promo · until 2026-10-31 | Open |
Source: institution websites · verified weekly
Full HISA comparison →The Kitchen Table · Weekly column
A weekly read on what the numbers actually mean.
Every week we take one thing happening in Canadian money — a rate decision, a bank promo, a tax change, a headline that doesn't add up — and work through it the way you would at your own kitchen table. Plain language, real numbers, no product pitch.
Latest rates
As of 2026-09-10