{"id":247124,"date":"2026-01-09T03:22:00","date_gmt":"2026-01-09T08:22:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=247124"},"modified":"2026-05-08T16:33:43","modified_gmt":"2026-05-08T16:33:43","slug":"high-interest-savings-accounts-canada","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/bank-accounts\/high-interest-savings-accounts-canada\/","title":{"rendered":"The best high-interest savings accounts in Canada"},"content":{"rendered":"<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Use <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/chequing-accounts\/\">our savings account comparator<\/a> for a quick overview of the best savings accounts in Canada!<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-high-interest-savings-account\">What is a high-interest savings account?<\/h2>\n\n\n\n\n\n<p>A <strong>high-interest savings account <\/strong>(HISA) is a bank account that offers a higher interest rate than the norm. This product is often chosen by those who are planning medium-term savings and require a higher interest rate to achieve their financial goals.<\/p>\n\n\n\n<p>Of course, the ideal is to let your savings grow for as long as possible in a savings account offering the best interest rate.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='12'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--compare-simple container_count--6 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"393876,393898,394411,393850,393882,397070,393850\"\n\t\t\t\t\t\t\t>\n\t\t\n\t<div class=\"card card-list card-list-header\">\n\t\t<div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n\t<\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Canadian chartered banks, cooperatives and insurance companies offer <strong>high-interest savings accounts<\/strong>. You can open a HISA with a financial institution even if you don&#8217;t do your day-to-day banking there.<\/p>\n\n\n\n<p>The vast majority of HISA are free, with no monthly fees. However, accounts from the Big Five banks often charge a fee per transaction, which is not the case with digital banks.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p><strong>Interest earned in a high-interest savings account is taxable<\/strong>. You will receive tax slips at the end of the year, and you will need to report your earnings on your tax return.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-best-high-interest-savings-accounts-in-canada\">The best high-interest savings accounts in Canada<\/h2>\n\n\n\n<p>There are a multitude of <strong>high-interest savings accounts<\/strong> offered by almost every Canadian bank, including <a title=\"BMO Performance\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/?p=236863\">BMO<\/a>, National Bank, CIBC, Desjardins, RBC, <a title=\"Scotiabank MomentumPLUS Savings Account\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/?p=251681\">Scotia<\/a>, TD and <a title=\"Laurentian Bank\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/?p=308012\">Laurentian Bank<\/a>.<\/p>\n\n\n\n<p>Additionally, digital banks such as Achieva Financial, Alterna, <a title=\"EQ Bank\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/bank-accounts\/eq-bank-quebec-fee-free\/\">EQ Bank<\/a>, <a target=\"_blank\" title=\"KOHO\" href=\"\/go\/koho\/\" rel=\"noindex\">KOHO<\/a>, Motusbank, <a title=\"Neo\" href=\"https:\/\/get.neofinancial.com\/hisa\/\" target=\"_blank\" rel=\"noopener\">Neo Financial<\/a>, Oaken Financial, <a target=\"_blank\" title=\"Tangerine Savings Account\" href=\"\/go\/tangerine-savings-account\/\" rel=\"noindex\">Tangerine<\/a> and <a target=\"_blank\" title=\"Wealthsimple\" href=\"\/go\/wealthsimple\/\">Wealthsimple<\/a> also offer HISAs.<\/p>\n\n\n\n<p>Milesopedia has taken a look at all the offers currently available on the market. Compare the offers in the table below and find all the details in the following sections.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-interest-rates-in-2026\">Interest rates in 2026<\/h3>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td>Financial institution<\/td><td>Account name<\/td><td>Annual interest rate<\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td><strong>CIBC<\/strong><\/td><td><a title=\"bank accounts offered by CIBC\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/comptes-bancaires-offerts-par-cibc\/\" rel=\"noindex\">eAdvantage Savings<\/a><\/td><td>Up to 4.60%<\/td><\/tr><tr style=\"height: 24px;\"><td><strong>RBC<\/strong><\/td><td><a target=\"_blank\" href=\"https:\/\/www.rbcroyalbank.com\/fr\/comptes\/e-savings.html\">High Interest eSavings<\/a><\/td><td>Up to 4.60%<\/td><\/tr><tr style=\"height: 24px;\"><td><strong>BMO<\/strong><\/td><td><a target=\"_blank\" title=\"BMO Performance Chequing Account\" href=\"\/go\/bmo-performance-chequing-account\/\" rel=\"noindex\">Savings Amplifier<\/a><\/td><td>Up to 4.65%<\/td><\/tr><tr style=\"height: 24px;\"><td><strong>Tangerine<\/strong><\/td><td><a target=\"_blank\" title=\"Tangerine Savings Account\" href=\"\/go\/tangerine-savings-account\/\" rel=\"noindex\">Savings<\/a><\/td><td>Up to 4.50%<\/td><\/tr><tr style=\"height: 24px;\"><td><strong>KOHO<\/strong><\/td><td><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/prepaid-mastercard-koho-everything\/\">Full Plan<\/a><\/td><td>Up to 3.50%<\/td><\/tr><tr style=\"height: 24px;\"><td><strong>EQ Bank<\/strong><\/td><td><a title=\"EQ Bank - Personal Account\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/eq-bank-personal-account\/\" rel=\"noindex\">Current (formerly Savings Plus)<\/a><\/td><td>Up to 2.75%<\/td><\/tr><tr style=\"height: 24px;\"><td><strong>Laurentian Bank<\/strong><\/td><td><a title=\"Laurentian Bank High Interest Savings Account (HISA)\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/laurentian-bank-high-interest-account\/\" rel=\"noindex\">High-Interest Savings<\/a><\/td><td>Up to 3.20%<\/td><\/tr><tr style=\"height: 24px;\"><td><strong>Neo<\/strong><\/td><td><a title=\"Neo High-interest savings account\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/neo-high-interest-savings-account\/\" rel=\"noindex\">Savings<\/a><\/td><td>Up to 3.00%<\/td><\/tr><tr style=\"height: 24px;\"><td><strong>Wealthsimple<\/strong><\/td><td><a title=\"Wealthsimple - A High-Interest Chequing Account\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/wealthsimple-cash-card\/\" rel=\"noindex\">Chequing (formerly Cash)<\/a><\/td><td>Up to 2.25%<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"183240\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-scotiabank\">High Interest Savings Account &#8211; Scotiabank<\/h3>\n\n\n\n<p>Scotiabank is currently offering an attractive deal on its <a href=\"https:\/\/mp-2702.milesopedia.dev\/comptes-epargne\/compte-epargne-momentumplus-banque-scotia\/\">MomentumPLUS savings account<\/a>.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='12'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"393876\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Terms and conditions apply. To learn more about the Scotiabank Savings Account or to apply, <a title=\"Scotiabank MomentumPLUS Savings Account\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/scotia-momentumplus-savings-account\/\" target=\"_blank\" rel=\"noopener\">click here<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-bank-of-montreal-bmo\">High Interest Savings Account &#8211; Bank of Montreal (BMO)<\/h3>\n\n\n\n<p>Combine the <strong>BMO Savings Amplifier Account<\/strong> with the <a href=\"https:\/\/mp-2702.milesopedia.dev\/comptes-cheques\/bmo-performance\/\">BMO Performance Chequing Account<\/a> or <a href=\"https:\/\/mp-2702.milesopedia.dev\/comptes-cheques\/bmo-privilege\/\">BMO Premium Chequing Account<\/a> for a great welcome bonus.<\/p>\n\n\n\n<p>Key features:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Savings account with no monthly fees<\/li>\n\n\n\n<li>No minimum balance required<\/li>\n\n\n\n<li>Free self-serve transfers to your other BMO accounts<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"393827\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Terms and conditions apply. To learn more about the BMO Savings Amplifier account or to apply, <a target=\"_blank\" title=\"BMO Performance Chequing Account\" href=\"\/go\/bmo-performance-chequing-account\/\" rel=\"noindex\">click here<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-tangerine\">High-Interest Savings Account &#8211; Tangerine<\/h3>\n\n\n\n<p>The <a target=\"_blank\" title=\"Tangerine Savings Account\" href=\"\/go\/tangerine-savings-account\/\" rel=\"noindex\">Tangerine savings account<\/a> is one of the best savings accounts in Canada. First of all, there are no monthly fees and no minimum balance requirements. What&#8217;s more, you can open accounts in both Canadian and U.S. dollars.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='12'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"393898\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Terms and conditions apply. To find out more about the Tangerine savings account or to apply for one, <a target=\"_blank\" title=\"Tangerine Savings Account\" href=\"\/go\/tangerine-savings-account\/\" rel=\"noindex\">click here<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-koho\">High-Interest Savings Account &#8211; KOHO<\/h3>\n\n\n\n<p>KOHO is another digital bank that offers a high-interest savings account. Rates vary between <span class=\"nowrap\">2%<\/span> and <span class=\"nowrap\">3.50%<\/span>, depending on the plan chosen.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"117031\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>The main features of the KOHO savings account are&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>No monthly fee;<\/li>\n\n\n\n<li>No fees for Interac transactions and transfers;<\/li>\n\n\n\n<li>Free unlimited ATM withdrawals&nbsp;;<\/li>\n\n\n\n<li><span class=\"nowrap\">1% <\/span> cash back on groceries and transportation.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Terms and conditions apply. To find out more about the KOHO savings account or to apply, <a target=\"_blank\" title=\"KOHO\" href=\"\/go\/koho\/\" rel=\"noindex\">click here<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-eq-bank\">High-Interest Savings Account &#8211; EQ Bank<\/h3>\n\n\n\n<p>The <strong>high-interest savings account<\/strong> from <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/bank-accounts\/eq-bank-quebec-fee-free\/\" target=\"_blank\" rel=\"noopener\">EQ Bank<\/a> operates differently from traditional savings accounts. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/comptes-cheques\/compte-courant-banque-eq\/\">Personal Account<\/a> (formerly the Savings Plus account) operates like a chequing account, but earns interest like a savings account.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='12'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"393850\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Terms and conditions apply. To learn more about the EQ Bank Everyday Account or to apply, <a title=\"EQ Bank - Savings Plus Account\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/eq-bank-personal-account\/\" rel=\"noindex\">click here<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-laurentian-bank\">High Interest Savings Account &#8211; Laurentian Bank<\/h3>\n\n\n\n<p>Laurentian Bank currently offers attractive (non-promotional) rates on its <a target=\"_blank\" href=\"https:\/\/www.laurentianbank.ca\/fr\/particuliers\/comptes\/epargne-interet-eleve\">High Interest Savings Account (HISA)<\/a>.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Terms and conditions apply. To learn more about the Laurentian Bank High Interest Savings Account or to apply, <a title=\"Laurentian Bank High Interest Savings Account (HISA)\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/laurentian-bank-high-interest-account\/\" rel=\"noindex\">click here<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-neo\">High-Interest Savings Account &#8211; Neo<\/h3>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='12'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"393882\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Terms and conditions apply. To learn more about the Neo Money Account or to apply, <a title=\"Neo High-interest savings account\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/neo-high-interest-savings-account\/\" rel=\"noindex\">click here<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-wealthsimple\">High-Interest Savings Account &#8211; Wealthsimple<\/h3>\n\n\n\n<p>Wealthsimple&#8217;s chequing account also acts as a<strong> high-interest savings account<\/strong>.<\/p>\n\n\n\n<p>The <strong>interest rate offered in the Wealthsimple Chequing account varies between <span class=\"nowrap\">1.25%<\/span> and<span class=\"nowrap\"> 2.25%<\/span> annually<\/strong>. All clients receive a minimum of 0<span class=\"nowrap\">.50%<\/span> interest, and can then qualify for higher rates based on their assets under management across all their Wealthsimple accounts.<\/p>\n\n\n\n<p>Furthermore, the interest rate is increased by 0.5% (up to a total rate of <span class=\"nowrap\">2.50%<\/span>) if you choose <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/wealthsimple-chequing-account\/\">Wealthsimple Chequing<\/a> as the account for your direct deposits.<\/p>\n\n\n\n<p>The main features of the account&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>No monthly fees or transaction charges;<\/li>\n\n\n\n<li>No minimum balance required&nbsp;;<\/li>\n\n\n\n<li>Send Interac transfers and pay bills&nbsp;;<\/li>\n\n\n\n<li>1% cash back on all purchases.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>Terms and conditions apply. To learn more about the Wealthsimple Chequing account or to apply, <a title=\"Wealthsimple - A High-Interest Chequing Account\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/wealthsimple-cash-card\/\" rel=\"noindex\">click here<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"397070\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-benefits-of-owning-a-high-interest-savings-account\">The benefits of owning a high interest savings account<\/h2>\n\n\n\n<p>The <strong>high-interest savings account<\/strong> offers a higher return on your balance, as the name suggests. However, additional benefits often come from the bank&#8217;s promotional offers, such as high interest rates for a limited period or under certain conditions, such as a minimum balance requirement.<\/p>\n\n\n\n<p>That&#8217;s why it&#8217;s essential to select an account based on your usual savings and banking habits, rather than simply opting for the account offering the highest interest rate.<\/p>\n\n\n\n<p>For people with flawless financial management and an excellent credit rating, it&#8217;s possible to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-card-cash-advances\/\">take advantage of high interest rates and credit card cash advances<\/a> to generate passive income. Learn more in this guide:<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"296987\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-open-a-savings-account\">How to open a savings account<\/h2>\n\n\n\n<p>Once you&#8217;ve chosen the <strong>high-interest savings account<\/strong> that&#8217;s right for you, be sure to check the minimum income and deposit requirements carefully.<\/p>\n\n\n\n<p>The account can usually be opened in a few minutes via online banking or a mobile application, depending on the bank chosen.<\/p>\n\n\n\n<p>To open a <strong>HISA<\/strong>, you&#8217;ll need a Social Insurance Number (SIN), as tax slips are issued every year.<\/p>\n\n\n\n<p>Then you can transfer funds easily from your online account or the mobile application.<\/p>\n\n\n\n<p>If necessary, you can also make an appointment with a bank advisor to open the account in person.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-calculate-interest-on-a-savings-account\">How to calculate interest on a savings account<\/h2>\n\n\n\n<p>Financial institutions calculate interest rates differently according to their own criteria. It is therefore important to look at this detail. Some will pay interest into the savings account, considering&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Daily balance<\/li>\n\n\n\n<li>New deposits to the account from a specific date<\/li>\n\n\n\n<li>Part of the balance, above a certain amount or below a maximum amount<\/li>\n<\/ul><\/div>\n\n\n\n<p>Finally, interest can be compounded. You&#8217;ll earn more interest with an interest rate compounded daily than monthly.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"388728\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>In short, a <strong>high-interest savings account<\/strong> lets you save for short- and medium-term projects. In addition, a high-interest savings account is an ideal type of account to hold your emergency fund, also known as a contingency fund.<\/p>\n\n\n\n<p>To assist you in your search for a bank account and a savings account that meet your needs and savings goals, you can use our comparators:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/chequing-accounts\/\">Compare Chequing Accounts<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/chequing-accounts\/\">Compare Savings Accounts<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>Finally, discover <a title=\"Managing personal finances in Canada\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance-management-canada\/\">our strategies for managing personal finances<\/a> in Canada.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"170834,179267,210626\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-interest-savings-account-frequently-asked-questions\">High Interest Savings Account &#8211; Frequently asked questions<\/h3>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_can_i_compare_savings_accounts_with_milesopedia_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow can I compare savings accounts with Milesopedia?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To compare savings accounts on Milesopedia, you can use the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/chequing-accounts\/\">savings account comparator<\/a>, read the summary of the <a title=\"The Best Chequing Account Offers\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/bank-accounts\/best-chequing-accounts-canada\/\">best offers<\/a>, or consult the <a title=\"Managing personal finances in Canada\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance-management-canada\/\">Personal Finance<\/a> section of the site.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_apos_s_the_difference_between_a_savings_account_and_a_high-interest_savings_account_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat&apos;s the difference between a savings account and a high-interest savings account?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>As the name suggests, a high-interest savings account is a type of savings account that offers a higher interest rate than a standard savings account. Not all financial institutions offer their customers a high-interest savings account. You can open a high-interest savings account with a chartered bank or credit union even if you have a chequing account with another financial institution. Finally, note that there are many high-interest savings accounts with no monthly fees or transaction charges, such as the <a target=\"_blank\" title=\"Tangerine savings account\" href=\"\/go\/tangerine-savings-account\/\">Tangerine savings account<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_banks_offer_high-interest_savings_accounts_in_canada_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich banks offer high-interest savings accounts in Canada?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Most Canadian chartered banks offer high-interest savings accounts. Other types of financial institutions also do this, such as credit unions, insurance companies and trusts.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_bank_offers_the_best_interest_rate_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich bank offers the best interest rate?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Some Canadian banks focus on high non-promotional interest rates, while other banks regularly offer promotional interest rates. For example, <a title=\"Savings Plus Account EQ Bank\" href=\"https:\/\/mp-2702.milesopedia.dev\/comptes-cheques\/compte-epargne-plus-banque-eq\/\">EQ Bank<\/a> currently offers an interest rate of <span class=\"nowrap\">3.30%<\/span> on everyday banking services. Meanwhile, <a title=\"Tangerine Savings Account\" href=\"\/go\/tangerine-savings-account\/\" target=\"_blank\" rel=\"noopener\">Tangerine Bank<\/a> currently offers a promotional interest rate of <span class=\"nowrap\">4.50%<\/span> on its savings account for the first 5 months.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_there_a_risk_of_losing_my_money_deposited_in_a_savings_account_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs there a risk of losing my money deposited in a savings account?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No. Eligible deposits, such as chequing and savings accounts, are protected by CDIC up to <span class=\"nowrap\">$100,000<\/span> per deposit insurance category: individual account, joint account, <a title=\"TFSA\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/investing\/tax-free-savings-account-tutorial\/\">TFSA<\/a>, <a title=\"FHSA\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/real-estate\/fhsa-everything-you-need-to-know\/\">FHSA<\/a>, <a title=\"RRSP\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">RRSP<\/a>, <a title=\"RESP\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/investing\/registered-education-savings-plan-resp-guide\/\">RESP<\/a>, etc. To find out more, visit the <a href=\"https:\/\/www.sadc.ca\/votre-protection\/\" target=\"_blank\" rel=\"noopener\">SADC website<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"high-interest_savings_account_or_tfsa_which_one_to_choose_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHigh-interest savings account or TFSA: which one to choose?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Although a Tax-Free Savings Account (TFSA) includes the word &#8220;savings account&#8221;, it is generally more advantageous for long-term investing. In particular, in company shares or exchange-traded funds. That said, if you have unused contribution room in your TFSA, you can use this type of account for savings, such as an emergency fund. In this way, interest income received in the savings account is not taxed. To learn more, read the following guide: <a title=\"Tax-Free Savings Account (TFSA): What you need to know\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/investing\/tax-free-savings-account-tutorial\/\">The Tax-Free Savings Account (TFSA)<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_savings_account_to_open_in_2026_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich savings account to open in 2026?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Consult our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/compare\/chequing-accounts\/\">savings account comparator<\/a> and the table at the top of the article to find the best current offers.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<p><em>Terms and conditions apply. For the most up-to-date product details, please visit Wealthsimple.com. <\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>If you are looking to optimize the return on your savings, a high-interest savings account is an ideal choice for you. Currently, interest rates are around 3%, accompanied by attractive welcome offers for new clients.<\/p>","protected":false},"author":3,"featured_media":354873,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48127],"tags":[],"mc_loyalty_program":[],"class_list":["post-247124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-accounts","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The best high-interest savings accounts in Canada | Milesopedia<\/title>\n<meta name=\"description\" content=\"High-interest savings accounts to maximize your savings, with rates around 3% and special offers for new customers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/bank-accounts\/high-interest-savings-accounts-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The best high-interest savings accounts in Canada\" \/>\n<meta property=\"og:description\" content=\"High-interest savings accounts to maximize your savings, with rates around 3% and special offers for new customers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/bank-accounts\/high-interest-savings-accounts-canada\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-09T08:22:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-08T16:33:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/03\/Comptes-Epargne-2400x1260-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"840\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jean-Maximilien Voisine\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jean-Maximilien Voisine\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/offers\\\/bank-accounts\\\/high-interest-savings-accounts-canada\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/offers\\\/bank-accounts\\\/high-interest-savings-accounts-canada\\\/\"},\"author\":{\"name\":\"Jean-Maximilien Voisine\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/person\\\/910fb721150b290316f16836cc905cad\"},\"headline\":\"The best high-interest savings accounts in Canada\",\"datePublished\":\"2026-01-09T08:22:00+00:00\",\"dateModified\":\"2026-05-08T16:33:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/offers\\\/bank-accounts\\\/high-interest-savings-accounts-canada\\\/\"},\"wordCount\":1537,\"publisher\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/offers\\\/bank-accounts\\\/high-interest-savings-accounts-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Comptes-Epargne-2400x1260-1.jpg\",\"articleSection\":[\"Bank Accounts\"],\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/offers\\\/bank-accounts\\\/high-interest-savings-accounts-canada\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/offers\\\/bank-accounts\\\/high-interest-savings-accounts-canada\\\/\",\"name\":\"High-interest savings accounts in Canada - 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