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Best Canadian Bank Accounts

October 18, 2022 by James Todorov 1 Comment

The two most popular account types are chequing and savings accounts. They are each useful for different things, with varied strengths and weaknesses catering to all kinds of people. Chequing accounts are the most common and are well suited to everyday routine purchases. Savings accounts are created to serve longer-term goals. They impose limits on withdrawals per month, allowing money to build in the account. Most banks also offer youth accounts, which usually present lower fees and high interest rates. There’s also the option of merging your finances with a separate individual, known as a joint account. Basically, every one of the big old established banks will offer these accounts and more, though other fresher options exist. Financial Tech companies are constantly growing in number, size and influence. They can often cut the usual fees because of their fully online presence, making them a great option for those looking to save money. There are many differences between chequing and savings accounts and it may seem overwhelming. This article will help you better understand the landscape of bank accounts and what the best option is for you.

Chequing Accounts

RBC offer four levels of chequing account. At $4/month, the RBC Day to Day Banking option is the most inexpensive in the range. Interac and e-Transfers are free. If you don’t make many transactions, this  account could work very nicely. The levels above offer greater rebates and other small advantages here and there. At the top level for $30/month transactions worldwide are free and unlimited, whereas the others are Canada wide only.

TD chequing accounts have the same 4 level mold as RBC. Their Minimum Chequing Account comes in at $3.95/month with up to 12 free debit transactions per month, just like RBC’s Day to Day Account. One difference is that e-transfers cost $0.5-1.00 each with TD. This is not the case with their higher level accounts, which also offer boosted amounts of free monthly transactions and free annual rebates at the top two levels.

BMO chequing accounts offer a similar style of levels but have an added fifth option. Once again, the most basic account costs $4/month and comes with 12 free transactions. The accounts scale up at a similar pace to their competitors. The Plus, Performance and Premium BMO bank accounts offer $0 in monthly fees if you maintain a certain balance in the account.

This also goes for Scotiabank’s three higher level chequing accounts. Scotia’s basic account is $3.95/month with features that match all the former.

Savings Accounts

If you’re looking to save money for the future, here are some Canadian savings accounts which can help you reach your financial goals. Savings accounts offer varying interest rates which build your money but most established big banks will likely give you a lower interest rate than some newer fintech competitors. Nevertheless, they are still widespread and grow your money. RBC offers a few types savings accounts, all without monthly fees. Their High Interest account has an interest rate of 0.8%. TD’s version of the high interest savings account offers only 0.05% interest, assuming you have at least $5,000 in the account. Scotiabank’s Momentum Plus Savings Account allows you to earn higher interest the longer you save. The base rate is 0.85%, and only grows the longer you wait. This Scotiabank Savings Account is really not made for spending but within one year you can really increase your interest rate. All these banks offer generally low interest rates. Neo Financial is an entirely digital company that offers you 1.80% interest with the Neo Money Account. This interest rate is exponentially higher than average. There are no monthly fees, and it doesn’t matter how much you have in the account. Any amount generates the same interest rate. To top this, the account simultaneously acts as a chequing account. Transactions are free and unlimited. All this and more is why this is one of the best no fee bank accounts Canada has to offer.

Specialized Accounts

Though the most common, normal savings and chequing accounts are not always perfectly suited to everyone’s needs. If you find yourself in a relationship or simply in a situation where it is pertinent to merge your money with somebody, a joint account could work perfectly. They are widely offered, from RBC joint accounts to Scotiabank. If you are a parent and want to teach your child about managing their money early on, check out CIBC’s youth account. It offers 0.05% interest, unlimited transactions and no monthly fee. RBC’s student account is also a good option with similar features for those ages 13 or higher.

No Fees with FinTech

If you’re a student or senior you will likely fall under the category of discounted or no fee accounts. However, the majority of people have to pay monthly and annual fees to their banks. If you are looking to save money, point your attention to digital financial institutions. Companies like Neo and EQ Bank are able to cut many costs for their clients. This is because they spend far less than other banks as they have a completely digital presence. Older traditional banks operate mostly through branches and they must pay property fees and wages to tellers and branch employees. They pay a lot of this through fees to their clients. Fintechs avoid all these fees and also allow for a very comfortable and convenient banking experience through their mobile apps and websites.

Best Canadian Chequing and Savings Accounts

When deciding on what kind of account might be best for you, you need to consider all factors. Coming to a conclusion may not be simple, but even when you do you will likely have to compromise depending on the account type you choose. This is not the case with Neo’s Money Account. It is one the best no fee bank accounts in Canada. There is no need to make a compromise with this account because it combines the best of chequing and savings accounts. The comparatively enormous interest rate is fantastic for your money, and everything is manageable easily through their mobile Neo app.Apply Now

Filed Under: Credit Cards, Finance, Loans, Money Tagged With: bank account, canadian bank account, chequing account, fintech, savings account

Canadian Bank Routing, Transit, Branch, Account and Institution Numbers Explained

September 15, 2022 by James Todorov 1 Comment

Although managing your finances may be an everyday part of life, there is a lot of important information that is commonly unknown. Information about your account and bank can be required in multiple situations. If you want to setup a direct deposit you’ll be asked to present your account number and your routing number. These numbers will also be required if you want to move money into a Canadian account. These two examples are common banking actions, yet understanding of what terms like routing and account numbers are is limited. We are here to help you understand the meaning of transit, branch, account, routing, and institution numbers so that you can bank more confidently in the future.

Routing Numbers

Routing numbers are made up of two parts. They are usually 8 digits long and are made up of an institution number and a transit number. Their format on paper is XXXXX-YYY. The X’s correspond to the transit number and the Y’s are the institution number. If the transaction is online then the format flips and a leading zero is tagged to the front, resulting in a 0YYYXXXXX format.

Institution Numbers

To put it simply, institution numbers are unique three digit codes which correlate to a given financial institution. They are used to identify various banks and are the most general of the numbers we’ll be covering. The institution number also makes up one part of the routing number. The institution numbers of some of the biggest Canadian banks are listed below.

Bank Institution Number
BMO 001
Scotiabank 002
RBC 003
TD 004
National Bank of Canada 006
CIBC 010

Branch or Transit Numbers

It is easy to get confused with this number as some call it a transit number and others a branch number. All you need to know is that they mean the same thing. It is a five digit code which says which branch of the bank the account in question was formed at. Every branch has its own unique transit number and the branch you create your account at is also known as your home branch. The transit number makes up the other part of the routing number.

Account Numbers

An account number is usually a seven digit code which follows the routing number on cheques. BMO, RBC, TD, CIBC, and the National Bank of Canada all have seven digit account numbers. Scotiabank is one case where it is possible to have a number that is either 7 or 12 digits long. Unlike institution numbers and transit numbers, your account number is completely unique to you.

Where to Find Your Numbers

If you are in need of any of your personal numbers, there a few ways to find them. One way is to login to your online banking. From your bank’s website or app you can check your personal details and find out exactly what you need. You can also see your details such as routing number and account number on any paper statements that your bank sends you through the mail. Lastly, if you have a chequebook at home, look at any cheque and you’ll find all the numbers printed at the bottom of it. One thing to note is that on a physical cheque there will also be another number on the bottom. This one simply marks the individual number of the cheque you are handling within the chequebook.

Filed Under: Finance, Loans, Money Tagged With: account number, bank account, cash, cheque, chequebook, institution number, loans, money, routing number, transit number

Best Secured Credit Cards in Canada

June 8, 2022 by Ben 15 Comments

This page was last updated on October 12, 2022

Credit cards are useful in that they help build good credit, book hotel accommodation, rent cars, and purchase goods and services online. Interest rates have been low since the onset of the Covid-19 pandemic but some people with bad or tarnished credit may not qualify for regular cards. This is where secured cards come handy in allowing users to build good credit and shop in-store or buy products online.

Best Secured Credit Cards for Canadians

Major banks no longer offer secured credit cards which means that choices are more limited for Canadians. Still there are some good offers to look into if you have no or blemished credit like the cards that Home Trust and Refresh Financial feature.

Neo Secured Credit Card

Neo Secured CardThe first secured credit card from Neo Financial is made for those who want low cost way to build their credit. Neo charges no monthly or annual fees and does not run credit checks. This means that anyone is eligible for this secured card. The only fee that comes with the card is the modest $50 security deposit. Approval is instant and guaranteed, just like the 1% cashback across all purchases. In addition to the 1% guaranteed, you can earn an average of 5% unlimited cashback at thousands of Neo partners. At participating partners, you can even earn 15% cashback on your first purchase. Neo’s secured credit card is a great option, whether you are looking to repair your credit or just starting out.

  • Interest rate: 19.99%-24.99%
  • Annual fee: $0
  • Cashback: 1% minimum, average 5% at partners

Apply for Neo Card

Refresh Secured Card

This card is no longer available. Check out their Credit Builder Loan. Refresh Financial offers a secured card that helps users to get a credit boost by making timely monthly payments. There is even a feature that allows you to get an idea how your repayment and spending patterns affect your credit rating. You can use their handy online calculator to check your utilization rate. For example, if the balance is $100 and the limit $600, then you have an optimal credit utilization rate (17 percent). There are other benefits for users, one being that payments are reported to both bureaus. Another is that the higher your credit score is, the lower your interest rate.

  • Interest rate: 17.99 percent
  • Maintenance fee: $3/month
  • Annual fee: $12.95
  • Credit limit: $200 – $10,000

Home Trust Secured No-Fee Visa

Also a good choice to fix your score fast, the Home Trust Secured No-Fee Visa has been voted 2020’s Best Credit Card for Rebuilding Credit. You will not only benefit from a zero annual fee but you only pay interest on your outstanding balance. The card allows you to make purchases and pay online up to your deposit limit. Home Trust also allows you to choose a deposit limit that works for you, and it can be as low as $500 and as high as $10,000.

  • Purchase interest rate: 19.99 percent
  • Annual fee: none

Home Trust Secured Visa

This is a low interest option to rebuild credit as long as you keep your account active and make timely payments. There are many benefits for holders such as the option to set your limit, set accounts online, pay utility bills, and make purchases online. The card also comes with purchase security coverage so that all eligible purchases are insured against damage or theft for 90 days. You can use the card to make payments in more than 200 territories and countries and with merchants that accept Visa cards.

  • Interest rate on purchases: 14.90 percent
  • Fee: $5 per month or $59 annual fee

What Is a Secured Credit Card?

Secured cards work much like standard ones in that they allow holders to build a positive credit history and make purchases, whether they buy groceries, book flights or cruises, or repay other outstanding balances. The most common varieties are American Express, MasterCard, and Visa. Whatever the brand of choice, users have to make a deposit which is used as a safeguard by the issuer as to cover any outstanding balances in case of missed or late payments.

Are Secured Credit Cards for You?

If you have bad credit and can’t qualify for a standard unsecured card, this is a good option to rebuild credit by making small purchases and paying the balance in full and on time. Using the card responsibly also means that you won’t incur interest payments. Interest rates are higher on average, and paying more than the minimum will save you a lot of money.

Benefits of Secured Credit Cards

The main benefit of secured cards is that they offer the chance to rebuild credit and apply for a wide variety of products with preferential terms and affordable rates. Your account history is forwarded to the major bureaus and goes toward your credit report. Not only this but you can use the card to shop online and make secure payments. Some issuers also offer added incentives such as upgrading and rewards points.

Security Deposit, Credit Limits, and Card Fees

When you get approved for a secured card, you will be asked to make a cash deposit which is equal or larger than your credit line. This means that credit limit is based on the deposit made. Some issuers offer the option to increase the credit line after a certain period provided that you use the card responsibly. Secured cards typically come with annual fees but there are some issuers that advertise zero fees.

Alternatives to Secured Credit Cards

If you can’t get a secured card, one option is to apply for a prepaid card that you can use to pay for services and goods. It is not linked to a credit, checking, or savings account and allows you to keep cash for later use. A major drawback is the fact that your payment history will not be reported to the credit bureaus. Still, they offer some benefits such as ease of use and safe and secure payments. Prepaid cards are easy to reload, and there are different ways to do this – in person, online, by direct deposit, or via bank account transfer.

Getting an unsecured card for bad credit is also an option, albeit the choice is more limited. Some issuers offer unsecured cards to Canadians with fair and good credit, regardless of their annual income. Added benefits for customers are low annual fees and interest rates, no fees for supplementary cardholders, and zero fraud liability.

A third option to look into is payday loans, and there are some benefits to consider such as fast and easy application, borrowed amount based on income level, and no credit check guaranteed approval. Still, getting a payday loan can be risky because of the very high interest rates and short terms that finance providers offer.

Other alternatives that financial institutions offer include guarantor and short-term loans, secured loans, overdrafts, and debit cards. The choice of product depends on your credit score, income, occupation, and financial circumstances.

In general, getting a secured card is a good choice for customers with little or no credit exposure, including young people and newcomers to Canada. It is also an option for borrowers with blemished credit who are refused a loan or credit card because they have past delinquencies, recent missed or late payments, or for any other reason. Borrowers with low or no income and high balances on cards and loans are also likely to get their application denied. A secured credit card is a good alternative for borrowers with a tarnished credit history who need a fresh start and a card to make daily purchases. We all know what having poor credit means – higher home and auto insurance premiums, difficulty securing a home lease, higher loan rates, and even strained personal relationships. A secured credit card offers users the chance to master good money management skills by borrowing responsibly.

 

Filed Under: Credit Cards, Investment, Loans, Mortgages, Uncategorized Tagged With: bad credit, bad credit credit cards, credit cards, guaranteed secured credit card, secured credit cards

Refresh Financial – Improve Your Credit Score with Secured Credit Card

May 22, 2022 by Ben 10 Comments

This page was last updated on October 12, 2022

Refresh Financial offers a range of products, services, and tools, including AI-enabled product recommendations, automated credit coaching, credit report and score monitoring, and secured credit cards. By offering financial literacy programs, Refresh helps customers to improve their money management and savings skills to make better financial decisions and achieve their long-term goals. Common situations in which financial literacy helps are using credit cards, managing debt, investing, reducing expenses, purchasing a home or car, sticking to a budget, and saving for retirement.

Refresh Financial and Borrowell Acquisition

Refresh Financial takes a new approach to consumer financing. The company offers loans and credit cards to customers with poor or no credit to aid their credit improvement efforts. Established in 2010, Refresh has offices in Ottawa, Kelowna, and Hamilton. As of January 2021 Borrowell closed the acquisition of Refresh Financial and raised $25 million in funding. All-equity financing was secured by a group of new investors, among which iA Financial Group, BDC Capital, and Kensington Capital Partners. Existing investors such as Equitable Bank and White Star Capital also provided funding.

One of the largest financial tech companies in Canada, Borrowell specializes in digital wealth management, digital banking, and alternative lending solutions. Their online lending platform utilizes AI-powered technology to offer customers product recommendations, free credit scores, predictive cash advances, bill alerts, money management and monitoring solutions. Founded by Andrew Graham in 2014, Borrowell offers a wide range of financial tools and products, including mortgages, credit cards, and personal loans. The platform is backed by a network of mortgage brokers, investment funds, and institutional lenders such as FirstOntario Credit Union and Portag3 Ventures.

Canadian Market for Secured Credit Cards

Refresh Financial and Home Trust are among the few Canadian financial service providers that offer secured credit cards. Targeting subprime borrowers with average and poor credit scores, secured cards function much like standard ones, the only difference being that customers pay upfront cash deposit. The deposit serves as a guarantee for financial institutions should the borrower miss a payment. Issuers can keep the cash deposit when borrowers default on payments.

Essentially, a secured credit card can be a helpful tool to build or rebuild credit. Using a debit or prepaid card or cash to make purchases or pay bills will do nothing in terms of credit score improvement. That is because payments are not reported to the major bureaus.  When used wisely, a secured credit card enables borrowers to reestablish credit and demonstrate responsible management to the reporting agencies and financial institutions. Once approved, borrowers can use the card for things like making purchases, paying everyday expenses, or booking a vacation.

Consumers who use their card responsibly build credit over time. Common reasons why this is not happening include having one type of credit only, errors on the customer’s credit report, missed payments, and a utilization rate above 35 percent.

Refresh Financial Products Offerings

Refresh offers a credit builder loan and a secured card, along with a suite of tools for responsible debt management. In addition to reporting customer payments to TransUnion Canada and Equifax, it also features useful financial tools such as score simulators, credit alerts, debt calculators, and goal managers.

Credit Builder Loan

This financial product by Refresh Financial is nothing like a traditional loan. Instead of borrowing a lump sum and paying the principal and interest over the loan term, customers are charged monthly fees plus interest. Basically, this is a form of installment credit whereby customers pay back the full amount in equal installments. The best part is that payments are reported to the major bureaus as proof of responsible debt management.

Customers are free to cancel their loan at any time by logging to their Refresh Dashboard. Once the loan has been cancelled, it cannot be reactivated. Clients are free to withdraw their available funds, and the money will be deposited in their bank account within 10 – 15 work days.

There are two package options for customers to choose from – apply for a credit card and cash loan or take a loan first and get a secured card later. With the first option, customers have access to two lines of credit and enjoy spending flexibility. The main benefit of having two lines is that responsible use shows financial institutions that the borrower can manage both.

  • Interest rate: 19.99 percent
  • Loan amount:
  • $25,000
  • $10,000
  • $5,000
  • $2,500
  • $1,500

There are further benefits to taking a credit builder loan, one being that customers are assigned a dedicated relationship manager. Relationship managers act as a single point of contact and help borrowers to build a financial plan to meet their long-term goals. The goal is to make the customer’s banking experience more convenient and smoother by bringing expertise across a range of financial solutions. With experience and knowledge of personal banking, borrowing, and credit management, dedicated financial managers offer clients finance-related recommendations based on their needs.

Refresh Secured Card

This card is no longer offered! This card is backed with a security deposit which determines the credit limit. The limit can be as low as $200 and as high as $10,000 depending on how much the borrower is willing to put on hold. The deposit aside, this card by Refresh works just like a standard card, allowing users to make in-store and online purchases while gradually rebuilding credit.

This secured Visa by Refresh Financial is a good choice for borrowers with no or bad credit who are turned down by brick-and-mortar banks. Virtually all applicants get approved as there is no minimum income requirement. This card is a particularly good fit for customers who want to make a small deposit and for people with a history of delinquencies and bankruptcies.

Refresh also offers a handy online calculator to help customers check their utilization rate. Customers with a credit limit of $1,000 and a balance of $400, for example, have a utilization rate of 40 percent. The optimal rate for credit building is 30 percent and should not exceed 35 percent.

Cardholders who pay the balance in full avoid interest charges. There are two options to make payments toward the card balance – either through online banking or via pre-authorized debit. Once the payment has been received, it is first applied to any interest due and then to cash advance, annual card, and other fees.

  • Interest rate: 17.99 percent
  • Maintenance fee: $3 per month
  • Annual fee: $12.95

 

 

Summing Up

Overall, Refresh Financial is a good choice for borrowers who got the short end of the stick and need to rebuild credit. Each of their products, the Refresh Secured Visa and credit builder loan are meant to help consumers, with payments being reported to the credit bureaus. Qualifying for a loan or credit card is simple and boils down to the customer’s ability to meet future payments, including product fees and interest charges.

Filed Under: Credit Cards, Finance, Loans Tagged With: borrowell, credit card, credit cards, credit credit builder loan, refresh financial, refresh secured card, secured credit cards, secured loan

March Break on a Budget

March 10, 2022 by Ben 2 Comments

March Break is a time for travel, relaxation, rest, and some family fun. After the pandemic this will be the first time kids and parents can enjoy a normal March Break. While you might not be heading to a tropical island with white sand beaches and turquoise waters this year, that doesn’t mean you should be staying home for March Break. There are some awesome travel destinations for everyone, so whether you are a luxury or mid-range traveler or an avid backpacker, now is the time to travel and enjoy sightseeing attractions, nature, some amazing activities, and festivals. Here are some travel ideas and advice for a memorable, low-budget March Break holiday.

March Break Ideas

Ice Hotel in Quebec

Hodel de Glace is a gem in the town of Valcartier and a worthwhile experience. Open from January to March, the hotel is made out of snow, ice, and frozen water, including sculptures, furniture, walls and the décor. With 44 suites and rooms, Hotel de Glace features a chapel, Grand Hall, bar, and an outdoor pool and spa baths. Themes change every season to keep visitors delighted, with plenty of attractions and things to do around, like snowboarding and skiing, ziplines, and more.

Algonquin Provincial Park, Ontario

Found between Ottawa River and Georgian Bay, Algonquin Provincial Park is just the right location for nature lovers and adventure-minded travelers. It is the home to many streams and lakes for rafting, kayaking, and canoeing in the summer, along with cross-country skiing, during the cold months.

Halifax, Nova Scotia

A city with plenty to offer, this can be a starting point for a few days trip to enjoy local museums, historic architecture, and serene fishing villages. Halifax itself is the home to attractions and landmarks such as the Maritime Museum of the Atlantic, the Halifax Citadel National Historic Site, Art Gallery of Nova Scotia, and plenty more.

Budget Travel Advice

Travel within Your Province

Travelling within your province is a great way to enjoy a relaxed and pocket-friendly vacation on March Break. Naturally, accommodation makes for a big chunk of your travel budget but there are plenty of budget options to look into. If you are travelling by car, for instance, staying at provincial parks can help keep costs down. Alternatively, you can try couchsurfing, cheap hotels, hostels, or guesthouses in your province.

Living in Ontario? You can claim 20% tax credit if you travel in Ontario this year. The credit to support local tourism applies to overnight stays between Jan. 1 and Dec. 31, 2022

Rent a Camper Van

Renting a camper van or taking a train trip can be inexpensive travel options for March Break when done right. Renting a camper van not only allows you to create your own itinerary and travel plan but is also a great way to explore Canada on a tight budget. Costs to plan for include vehicle insurance and maintenance, gas, living, and activity and attraction costs. Taking a train trip is also a great way to travel across Canada and take advantage of the well-connected train network, making commuting inexpensive and comfortable. Keep in mind that only fully vaccinated travelers are currently allowed on interprovincial VIA Rail and Rocky Mountaineer trains.

Whatever your preferred mode of travel, consider covering one region only, like the Maritime Provinces, the Toronto/Niagara region, or the West Coast. Because of Canada’s size and vast territory, transportation costs can be expensive if travelling across the country.

Last Minute Deals

Airfare can be expensive in Canada, so why not check last minute deals on search engines like Itravel2000 or Expedia? Expedia, for example, features last minute vacation deals to help you save on flights and all-inclusive packages, especially if you book a bundle of services for your spring vacation. Additionally, Expedia offers travelers the opportunity to make monthly payments as well as use book now, pay later plans. And if you want to purchase travel insurance, there are plenty of options to choose from, including package, hotel booking, and flight protection plans.

Itravel200 also features last minute deals and the option to collect points for additional savings. You can choose from hundreds of vacation deals from cities such as Vancouver, Calgary, Montreal, and Toronto, with a selection of travel destinations, standard and superior rooms, and all-inclusive packages. You will find great promotions and discounts on car rentals, tours, hotels, and flights operated by major airlines such as WestJet, Air Canada, Sunwing, and Porter.

Join in at Festivals and Local Events

Art, food, and music festivals and diverse events are happening here all year round. The best part is that most local festivities in spring time have free entry. This is also a great opportunity to learn more about local traditions, cultures, and artistic works, try amazing food, and mingle with locals. Depending on your travel destination, you will find events, carnivals, and festivals showcasing rodeos, music, local cuisines, contests, native craftsmanship, and plenty more. To find out when and where events take place, pick up local newspapers at restaurants or cafes or Google to plan your stay in advance.

Visiting Big Cities

If you plan to stop in some of Canada’s biggest cities, you want to join the self-guided or historical guided tours they offer. Use an attraction pass if you are heading to Toronto, Calgary, or Vancouver and visit some of the remote communities and small towns around big cities.

Local Museums

Visiting local museums is also a way to save on travel costs and find more about Canada’s history and wildlife. Canada’s museums feature a wealth of stories, photos, and artifacts, from Indigenous contemporary and past experiences to the country’s Gold Rush of the late 19th century.

Filed Under: Credit Cards, Loans Tagged With: budget, budget vacation, march break, march break ideas, staycation, travel, vacation, vacation loan

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