Comparatif
High-interest savings accounts
With rates finally paying something, where you park cash matters again. These online-bank savings accounts are known for competitive everyday rates and no monthly fees — always confirm the current rate at the provider.
Les chiffres, en bref : Competitive everyday HISA rates were roughly 2.75%–3.5% in August 2026, with limited-time promos as high as ~4.6% that reset to under 1% after 3–6 months. Compare ongoing rates, not just promos — and confirm the current rate at each provider.
Liste organisée · vérifiée le 2026-08-03. Les taux, frais et récompenses changent — confirmez les conditions actuelles auprès du fournisseur avant de faire une demande. Certains liens peuvent être des liens d'affiliation; les classements sont sur le mérite. Voir nos divulgations.
| Produit | Chiffres clés* | Reconnu pour | Idéal pour | Notes |
|---|---|---|---|---|
| Savings Plus Account EQ Bank | $0Monthly fee$0Minimumcompetitive everydayRate*YesCDIC | No monthly fee, no minimum, everyday interest | A simple, competitive everyday HISA | |
| Cash Wealthsimple | $0Monthly feetiered by planRate* | Interest on your balance with no fee | Keeping spending cash working | |
| Savings Account Tangerine | ~4.50% / 5 moPromo*lower — verifyRegular* | Online savings with frequent promotional rates | Chasing intro/promo rates | |
| High Interest Savings Account Simplii Financial | $0Monthly feepromo-drivenRate* | No-fee online savings, CIBC-backed | Pairing with Simplii chequing | |
| Savvy Savings Account Motive Financial | high — verifyRate*YesCDIC | Consistently high posted savings rate (Canadian Western Bank) | Maximizing the rate on parked cash | |
| Savings Neo Financial | $0Monthly feeup to ~2.75%Rate* | App-first savings with a competitive everyday rate | Neo users who want one app for cash and rewards | |
| High Interest Savings Saven Financial | high — verifyRate* | Online HISA from an Ontario credit union with strong rates | Rate-chasers comfortable with a smaller institution |
* La couverture de la SADC s'applique dans les institutions membres, dans les limites; les assureurs provinciaux couvrent les caisses. Confirmez la couverture et les taux actuels auprès de chaque fournisseur. Information générale, pas un conseil personnalisé.