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 * Sign in
 * Personal Banking Toggle links
   Explore products for…
    * Everyday Banking
       * Savings Plus Account
         
         Enjoy everyday banking that earns more.
         
         Learn more
       * Savings Plus Account
       * Joint Savings Plus Account
         
         The perks of everyday banking with up to 3 other people.
         
         Learn more
       * Joint Savings Plus Account
       * TFSA Savings Account
         
         Get tax-free earnings with no fees.
         
         Learn more
       * TFSA Savings Account
       * US Dollar Account
         
         Earn more on US dollars with no monthly fees.
         
         Learn more
       * US Dollar Account
   
    * Investments
       * GICs
         
         Invest in registered and non-registered GICs.
         
         Learn more
       * GICs
       * RSP Savings Account
         
         Grow retirement savings the smart way.
         
         Learn more
       * RSP Savings Account
       * TFSA Savings Account
         
         Get tax-free earnings with no fees.
         
         Learn more
       * TFSA Savings Account
   
    * Payments
       * International Money Transfers
         
         Send money abroad for less using Wise.
         
         Learn more
       * International Money Transfers
       * EQ Bank Card
         
         Spend, save, and earn with free withdrawals from any ATM in Canada.
         
         Learn more
       * EQ Bank Card
   
    * Borrowing
       * Mortgage Marketplace
         
         Find the best mortgage that’s right for you.
         
         Learn more
       * Mortgage Marketplace
   
    * Now in Quebec

 * About Us Toggle links
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    * Our Company
      
      Who we are and how we’re changing banking.
      
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      How we support the community.
      
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      See if EQ Bank could be the right career fit.
      
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Contact Us
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 * English
 * Français
 * Français (QC)

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EN
 * EN
 * FR
 * FR (QC)


Sign in Join now


 * EQ BANK CARD THE ALL-NEW CARD FOR SPENDING (AND EARNING).
   
   Get free withdrawals from any ATM in Canada, cash back on every purchaseGo to
   footnote 2, and more—without all the fees.
   
   The EQ Bank Card is not currently available in Quebec.
   
   Learn more
   
   


 * MAKE BANK WITH CANADA’S BEST.
   
   We’ve been named Top Bank in Canada by Forbes for two years running! Try
   better everyday banking today.
   
   Join now
   


 * TFSA SAVINGS ACCOUNT EARN 3.00%GO TO FOOTNOTE *. TAX-FREE. FEE-FREE.
   
   High interest. Zero fees. No minimum balance. Enough with all the take, you
   deserve to make.
   
   Get started 
   
   


 * SAVINGS PLUS ACCOUNT EVERYDAY BANKING. UP TO 250× MOREGO TO FOOTNOTE ◊
   INTEREST.
   
   Get the flexibility of chequing with unlimited transactionsGo to footnote 1
   and zero monthly fees—plus 2.50% interestGo to footnote * on every dollar.
   
   Join now
   
   


 * EQ BANK CARD THE ALL-NEW CARD FOR SPENDING (AND EARNING).
   
   Get free withdrawals from any ATM in Canada, cash back on every purchaseGo to
   footnote 2, and more—without all the fees.
   
   The EQ Bank Card is not currently available in Quebec.
   
   Learn more
   
   


 * MAKE BANK WITH CANADA’S BEST.
   
   We’ve been named Top Bank in Canada by Forbes for two years running! Try
   better everyday banking today.
   
   Join now
   





ENOUGH WITH ALL THE TAKE. IT'S TIME TO MAKE. MAKE BANK.

Sometimes it can feel like the whole world is out to take. Offering less and
less while charging you more and more. And for what? Taking your cash to store
your cash? No thanks. It’s time for the opposite of take. It’s time to make. Get
an account that offers high interest and no fees on everyday banking. Want to
Make Bank? Welcome to EQ Bank.


I WANT…

 * Banking that earns
 * Investments that grow
 * A smart way to pay
 * A mortgage that’s worth it


SAVINGS PLUS ACCOUNT

Enjoy unlimited transactionsGo to footnote 1 and up to 250× moreGo to footnote ◊
interest than at other banks.

 * 2.50% interestGo to footnote *
 * No monthly fees or minimum balance
 * Free unlimited bill payments, Interac e-TransfersGo to footnote ® and moreGo
   to footnote 1
 * Free withdrawals from any ATM in Canada and cash backGo to footnote 2 with
   the EQ Bank Card

Start earning by getting a Savings Plus Account Learn more about our Savings
Plus Account


JOINT SAVINGS PLUS ACCOUNT

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

 * 2.50% interestGo to footnote *
 * Easy online sign-up with zero paperwork
 * Add up to 3 people in a single click

Start earning by getting a Joint Plus Account Learn more about our Joint Plus
Account


TFSA SAVINGS ACCOUNT

Earn more with high interest and tax-free earnings.

 * 3.00% interestGo to footnote *, tax-free
 * Zero fees for bigger earnings
 * No minimum balance
 * No-nonsense online sign-up in minutes

Start investing by getting a Tax-Free Savings Account Learn more about our
Tax-Free Savings Account


US DOLLAR ACCOUNT

Earn more on US dollars without the nonsense of annoying fees.

 * 2.00% interestGo to footnote * on every dollar
 * No monthly fees
 * Seriously competitive exchange rate
 * A fast, cheap way to send US dollars abroad

Start earning by getting a US Dollar Account Learn moreabout U.S. Dollar
Account 


GICS

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

 * FEATURED RATE: 5.00%Go to footnote ** on a 1-year GIC
 * 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

Start investing by getting a G.I.C. Learn more about our G.I.C. options


RSP SAVINGS ACCOUNT

Grow your retirement savings the smart way.

 * 3.00% interestGo to footnote * on every tax-deferred dollar
 * Zero fees for bigger earnings
 * No minimum balance or other banking nonsense
 * Online sign-up in minutes

Start investing by getting an R.S.P. Savings Account Learn more about our R.S.P.
Savings Account


TFSA SAVINGS ACCOUNT

Invest smarter with high interest and tax-free earnings.

 * 3.00% interestGo to footnote *, tax-free
 * Zero fees for bigger earnings
 * No minimum balance
 * No-nonsense online sign-up in minutes

Start investing by getting a Tax-Free Savings Account Learn more about our
Tax-Free Savings Account


EQ BANK CARD

A reloadable cardGo to footnote 4 for spending and earning more (without all the
fees).

 * Free withdrawals from any ATM in Canada
 * Cash back on every purchaseGo to footnote 2
 * Earn 2.50% interestGo to footnote * right up until you spend
 * No FX feesGo to footnote 3, monthly fees, or other hidden fees

The EQ Bank Card is not currently available in Quebec.

Get your free card in a few easy steps Learn more about the EQ Bank Card


INTERNATIONAL MONEY TRANSFERS

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

 * Up to 8×Go to footnote ‡ 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!)

Send money abroad in a few easy steps Learn more about our about our
International Money Transfers


MORTGAGE MARKETPLACE

The no-nonsense way to find the best mortgage that’s right for you.

 * Access 2,000+ mortgage products in one place
 * Get the best rates right from the start
 * Simple online process

Learn more about Mortgage Marketplace
End of product cards


I WANT…


BANKING THAT EARNS

 * SAVINGS PLUS ACCOUNT
   
   Enjoy unlimited transactionsGo to footnote 1 and up to 250× moreGo to
   footnote ◊ interest than at other banks.
   
    * 2.50% interestGo to footnote *
    * No monthly fees or minimum balance
    * Free unlimited bill payments, Interac e-TransfersGo to footnote ® and
      moreGo to footnote 1
    * Free withdrawals from any ATM in Canada and cash backGo to footnote 2 with
      the EQ Bank Card
   
   Start earning by getting a Savings Plus Account Learn more about our Savings
   Plus Account

 * JOINT SAVINGS PLUS ACCOUNT
   
   All the everyday banking perks of the Savings Plus Account, for a smarter
   shared banking experience.
   
    * 2.50% interestGo to footnote *
    * Easy online sign-up with zero paperwork
    * Add up to 3 people in a single click
   
   Start earning by getting a Joint Plus Account Learn more about our Joint Plus
   Account

 * TFSA SAVINGS ACCOUNT
   
   Earn more with high interest and tax-free earnings.
   
    * 3.00% interestGo to footnote *, tax-free
    * Zero fees for bigger earnings
    * No minimum balance
    * No-nonsense online sign-up in minutes
   
   Start investing by getting a Tax-Free Savings Account Learn more about our
   Tax-Free Savings Account

 * US DOLLAR ACCOUNT
   
   Earn more on US dollars without the nonsense of annoying fees.
   
    * 2.00% interestGo to footnote * on every dollar
    * No monthly fees
    * Seriously competitive exchange rate
    * A fast, cheap way to send US dollars abroad
   
   Start earning by getting a US Dollar Account Learn moreabout U.S. Dollar
   Account 




INVESTMENTS THAT GROW

 * GICS
   
   Invest it and forget it with guaranteed rates on our registered and
   non-registered GICs.
   
    * FEATURED RATE: 5.00%Go to footnote ** on a 1-year GIC
    * 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
   
   Start investing by getting a G.I.C. Learn more about our G.I.C. options

 * RSP SAVINGS ACCOUNT
   
   Grow your retirement savings the smart way.
   
    * 3.00% interestGo to footnote * on every tax-deferred dollar
    * Zero fees for bigger earnings
    * No minimum balance or other banking nonsense
    * Online sign-up in minutes
   
   Start investing by getting an R.S.P. Savings Account Learn more about our
   R.S.P. Savings Account

 * TFSA SAVINGS ACCOUNT
   
   Invest smarter with high interest and tax-free earnings.
   
    * 3.00% interestGo to footnote *, tax-free
    * Zero fees for bigger earnings
    * No minimum balance
    * No-nonsense online sign-up in minutes
   
   Start investing by getting a Tax-Free Savings Account Learn more about our
   Tax-Free Savings Account




A SMART WAY TO PAY

 * EQ BANK CARD
   
   A reloadable cardGo to footnote 4 for spending and earning more (without all
   the fees).
   
    * Free withdrawals from any ATM in Canada
    * Cash back on every purchaseGo to footnote 2
    * Earn 2.50% interestGo to footnote * right up until you spend
    * No FX feesGo to footnote 3, monthly fees, or other hidden fees
   
   The EQ Bank Card is not currently available in Quebec.
   
   Get your free card in a few easy steps Learn more about the EQ Bank Card

 * INTERNATIONAL MONEY TRANSFERS
   
   Need to send money or make payments abroad? Do it for a whole lot less.
   
    * Up to 8×Go to footnote ‡ 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!)
   
   Send money abroad in a few easy steps Learn more about our about our
   International Money Transfers




A MORTGAGE THAT’S WORTH IT

 * MORTGAGE MARKETPLACE
   
   The no-nonsense way to find the best mortgage that’s right for you.
   
    * Access 2,000+ mortgage products in one place
    * Get the best rates right from the start
    * Simple online process
   
   Learn more about Mortgage Marketplace


IT’S TIME FOR THE EVERYDAY BANKING YOU DESERVE


GET READY TO MAKE

Monthly fees? No way. Up to 250× moreGo to footnote ◊ earnings than other banks
with free everyday transactions? Absolutely. Plus free withdrawals from any ATM
in Canada and cash back on every purchaseGo to footnote 2 with the EQ Bank Card.


WITHOUT ALL THE TAKE

No gimmicks, no accounts you don’t need, just seamless digital banking where all
of our customers get the same best rates—without confusing promo rates or
annoying 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 insuranceGo to footnote †. We’re also trusted by hundreds of thousands
of customers to the tune of over $7B in deposits—and backed by Equitable Bank
which has 50+ years of experience in the Canadian market.




IT’S TIME FOR THE EVERYDAY BANKING YOU DESERVE


GET READY TO MAKE

Monthly fees? No way. Up to 250× moreGo to footnote ◊ earnings than other banks
with free everyday transactions? Absolutely. Plus free withdrawals from any ATM
in Canada and cash back on every purchaseGo to footnote 2 with the EQ Bank Card.


WITHOUT ALL THE TAKE

No gimmicks, no accounts you don’t need, just seamless digital banking where all
of our customers get the same best rates—without confusing promo rates or
annoying 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 insuranceGo to footnote †. We’re also trusted by hundreds of thousands
of customers to the tune of over $7B in deposits—and backed by Equitable Bank
which has 50+ years of experience in the Canadian market.






WE CHECKED AND...
WE CHECK ALL THE BOXES

At EQ Bank, you get:

High interest rates The same best rates for all customers No monthly or hidden
fees and free everyday transactions No bank account minimum balances No branches
= more value Free withdrawals from any ATM in Canada Cash back on every
purchaseGo to footnote 2

 

At other banks, you usually get:

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 Fees with certain ATMs Cash back that can be restricted to
certain partners

 


OUR CUSTOMERS HAVE BEEN TALKING

 * “
   
   “EQ Bank has shown time and time again that they listen to the needs of
   consumers and continue to adapt to meet those needs.”
   
   --------------------------------------------------------------------------------
   
   Michael

 * “
   
   “Very unique bank with very competitive interest rates, very innovative and
   separate from mainstream big banks.”
   
   --------------------------------------------------------------------------------
   
   Robin

 * “
   
   “I love my banking experience with EQ, which includes higher interest rate
   than other banks, no- fee transactions in Canada and awesome customer
   service.”
   
   --------------------------------------------------------------------------------
   
   Pat

 * “
   
   “Among the new generation virtual banks, EQ Bank is really competitive and
   worth consideration for selecting it as a conduit for savings under TFSA,
   RRSP etc.”
   
   --------------------------------------------------------------------------------
   
   Siv

 * “
   
   “I will bring all my savings to EQ Bank because I tested the services and I
   like the experience.”
   
   --------------------------------------------------------------------------------
   
   Antonio

 * “
   
   “Easy to use and great interest rates. I’m a new customer but I am sure I
   will be a lifelong customer.  Great that there are TFSAs now. Keep up the
   great work.”
   
   --------------------------------------------------------------------------------
   
   David

 * “
   
   “I'm so happy with my experience with EQ Bank so far. I switched from one of
   the Big 6 banks to EQ back in 2017 and I never looked back. EQ has really
   helped me reach my financial goals. Thanks EQ!”
   
   --------------------------------------------------------------------------------
   
   KT

 * “
   
   “As a young adult trying to save for my future, EQ Bank's interest rates for
   a traditional savings account within a TFSA are simply unparalleled. The
   decision to open an account with them was a no-brainer!”
   
   --------------------------------------------------------------------------------
   
   Bobby




GETTING NOTICED IN A BIG WAY

 * Top Bank in Canada
   
   2022 Forbes World’s Best Banks

 * Top Bank in Canada
   
   2021 Forbes World’s Best Banks

 * EQ Bank mobile app
   
   
   
   Over 18,000 ratings
   
   

 * Top High-Interest Savings Account
   
   2021 ratehub.ca Personal Finance Awards

 * Top RRSP Savings Account
   
   2021 ratehub.ca Personal Finance Awards

 * Top TFSA Savings Account
   
   2021 ratehub.ca Personal Finance Awards

 * Best Savings Account
   
   2021 greedyrates Awards
   

 * Most Innovative Cloud Deployment
   
   2020 IBS Intelligence Global FinTech Innovation Awards

 * Model Bank Winner for Banking in the Cloud
   
   2020 Celent Model Bank Awards

 * Top High-Interest Savings Account
   
   2020 ratehub.ca Personal Finance Awards

 * We actually have more
   But you get the idea…




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 on everyday banking that makes without all
the take:

 * Earn more with incredible rates and no monthly fees
 * Enjoy everyday banking with free transactions anywhere in Canada and no
   minimum balance restrictions
 * Get safety and security from a bank you can trust

Are you ready now?

Sign up to become an EQ Bank customer




EDUCATION CENTRE

Unpacking all things money.


ARTICLES

 * Borrowing
   
   
   HOW TO SAVE FOR A HOUSE
   
   Read now Share
    
    
    
 * Everyday Banking
   
   
   5 BENEFITS OF A SAVINGS PLUS ACCOUNT
   
   Read now Share
    
    
    
 * Everyday Banking
   
   
   4 WAYS EQ BANK MAKES INTEGRATED BANKING EASY
   
   Read now Share
    
    
    



Well that was easy! Now that you’ve signed up, you’ll get all the latest info on
smart banking delivered directly to your inbox.


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latest news, and more, sign up to email updates.

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FOOTNOTES

Footnote *
Interest is calculated daily on the total closing balance and paid monthly. For
the EQ Bank Card, interest is paid into the linked Savings Plus Account. Rates
are per annum and subject to change without notice.

Return to footnote * referrer

Footnote 1
Transactions are subject to certain dollar limit maximums. For details, please
see our Savings Plus Account Fees & Features page here.

Return to footnote 1 referrer

Footnote 2
Cash back will be paid monthly. See the EQ Bank Card Agreement for details on
earning cash back and other terms and conditions that apply to the EQ Bank Card.

Return to footnote 2 referrer

Footnote 3
Foreign currency transactions will be subject to the Mastercard Currency
Conversion rate. EQ Bank does not charge any additional FX fee or markup.

Return to footnote 3 referrer

Footnote 4
The EQ Bank Card is a prepaid reloadable Mastercard issued by Equitable Bank
pursuant to a licence from Mastercard International Incorporated.

Return to footnote 4 referrer

Footnote †
Equitable Bank is a member of CDIC. EQ Bank is a trade name of Equitable Bank.

Return to footnote † referrer

Footnote ‡
Based on research conducted by Equitable Bank comparing exchange rates and
transaction fees from Wise, Canada’s ‘Big 5’ banks and Simplii Financial.
Research considered comparable online global money transfer services and was
conducted using the following transactions for $500 CAD: total cost to send CAD
to INR in India, total cost to send CAD to USD in the United States and total
cost to send CAD to EUR in France. Research took place on February 16th, 2022.
Promotions excluded.

Return to footnote ‡ referrer

Footnote ◊
Based on research conducted by Equitable Bank comparing interest rates of base
savings accounts offered by Canada’s ‘Big 5’ banks. Rates were compared using a
ratio analysis. Research is based on savings account interest rates taken from
public websites as at January 4, 2023. Promotions and Rate Premiums are
excluded.

Return to footnote ◊ referrer

Footnote ®
Trade-mark of Interac Corp. Used under licence.

Return to footnote ® referrer

Footnote **
EQ Bank GICs are non-redeemable. For GIC terms equal to one year, simple
interest is calculated on a per annum basis and paid at maturity. Interest is
accrued for the entire GIC term. Rates are calculated on a per annum basis and
are subject to change at any time.

Return to footnote ** referrer

Footnote
EQ Bank does not offer the following products in the province of Quebec: US
Dollar Account, the EQ Bank Card, International Money Transfers, RSP Savings
Accounts, and RSP GICs. Additionally, the EQ to EQ transfers feature is not
available in Quebec.

Return to footnote referrer

Equitable Bank is a member of CDIC. EQ Bank is a trade name of Equitable Bank.


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EQ Bank is a trade name of Equitable Bank.

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