Canadian savings accounts
Compare savings account rates
Regular savings rates are separated from promotional and conditional offers, making it easier to compare like with like.
Best regular rate
2.75%
among currently listed accounts
Regular savings rates
Current posted/base rates without a temporary promotional offer.
| Institution | Account | Rate | Access | Monthly fee | Conditions | Source |
|---|---|---|---|---|---|---|
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EQ Bank 30 Day Notice Savings Account
Regular
|
2.75% Best | 30-day notice | $0.00 | 30 days advance notice required for withdrawals | View source |
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EQ Bank 10 Day Notice Savings Account
Regular
|
2.35% | 10-day notice | $0.00 | 10 days advance notice required for withdrawals | View source |
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Scotia High Interest Savings Account
Regular
|
2.20% | Immediate access | $0.00 | Level 5: balance of $500,000 or more. | View source |
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EQ Bank Personal Account
Regular
|
1.00% | Immediate access | $0.00 | Base rate; no qualifying direct deposit required | View source |
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Simplii High Interest Savings Account
Regular
|
1.00% | Immediate access | $0.00 | Balance $1,000,000.01 and above | View source |
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CIBC eAdvantage Savings Account
Regular
|
0.60% | Immediate access | $0.00 | Regular rate for balances from $100,000 to $499,999.99. | View source |
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High Interest Savings Account
Regular
|
0.55% | Immediate access | $0.00 | Regular rate. | View source |
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RBC High Interest eSavings Account
Regular
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0.55% | Immediate access | $0.00 | Regular posted rate; no minimum balance; interest calculated daily and paid monthly | View source |
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BMO Savings Amplifier Account
Regular
|
0.45% | Immediate access | $0.00 | Regular rate. | View source |
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TD ePremium Savings Account
Regular
|
0.45% | Immediate access | $0.00 | Posted rate for balances of $10,000 or more; no monthly fee | View source |
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Tangerine Savings Account
Regular
|
0.30% | Immediate access | $0.00 | Posted rate; no minimum balance and no monthly fee | View source |
Promotional & conditional rates
Temporary promotions, new-customer offers and rates that require qualifying activity or other conditions.
| Institution | Account | Rate | Access | Monthly fee | Conditions | Source |
|---|---|---|---|---|---|---|
|
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CIBC eAdvantage Savings Account
Promo
|
4.60% | Immediate access | $0.00 | New-account special interest rate for eligible first CIBC eAdvantage Savings Accounts. Promotional period applies for the first 90 days; eligible balance limit up to $1,000,000. See CIBC offer terms. | View source |
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RBC High Interest eSavings Account
Promo
|
4.60% | Immediate access | $0.00 | New eligible RBC High Interest eSavings accounts; promotional rate for 3 months, up to $1,000,000. Offer to open an eligible account expires 2026-10-27. | View source |
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Simplii High Interest Savings Account
Promo
|
4.60% | Immediate access | $0.00 | New-client offer; special rate for 5 months on eligible deposits up to $200,000. Account-opening offer ends 2026-10-31. | View source |
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Tangerine Savings Account
Promo
|
4.50% | Immediate access | $0.00 | New-client offer; promotional rate for 153 days (approximately 5 months), up to $1,000,000, subject to eligibility. | View source |
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TD ePremium Savings Account
Conditional
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4.45% | Immediate access | $0.00 | Includes 4.00% bonus interest for 90 days. Requires an eligible new TD chequing account plus a new eligible TD savings account; conditions apply. | View source |
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CIBC eAdvantage Savings Account
Conditional
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0.05% | Immediate access | $0.00 | Smart Interest rate on eligible balances up to $200,000 when CIBC Smart Interest requirements are met. | View source |