Comparatif
No-fee chequing accounts
Paying a monthly chequing fee is optional in Canada — several online banks charge nothing for everyday banking. Here's a curated shortlist; confirm current terms at each provider before switching.
Les chiffres, en bref : Every pick here charges $0 monthly and includes free Interac e-Transfers (as of August 2026). Some also earn interest or rewards on the balance — confirm current terms at the 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 |
|---|---|---|---|---|
| No-Fee Chequing Account Simplii Financial | $0Monthly feeFreee-TransfersYesCDIC | No monthly fee, CIBC-backed online bank | A full-featured no-fee daily account | |
| No-Fee Daily Chequing Tangerine | $0Monthly feeFreee-TransfersYesCDIC | No monthly fee, Scotiabank-owned online bank | Everyday banking with a strong app | |
| Cash Wealthsimple | $0Monthly feeFreee-TransfersYes*Earns interest | No-fee spending account with interest on the balance | Spending + saving in one place | |
| Personal Account EQ Bank | $0Monthly feeFreee-TransfersYesCDIC | No-fee account that pays interest with free Interac e-Transfers | Combining everyday spending with interest | |
| Money Account Neo Financial | $0Monthly feeFreee-Transfers | No-fee everyday account with a high-interest angle | App-first users who want interest on cash | |
| PC Money Account PC Financial | $0Monthly feePC OptimumRewards | No-fee everyday account that earns PC Optimum points | Shoppers at Loblaw-banner and Shoppers stores | |
| Spending & Savings KOHO | $0*Monthly feeYes*Cash back | No-fee reloadable account with cash back (prepaid Mastercard) | Budgeting and cash back without a credit check |
* 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.