Bank Bonus Canada: Net Value & Requirements Planner

Step 1 · economics

First-year net value

Enter numbers from the provider's current official offer page. The calculator runs in your browser; Bremo does not receive the values.

Private browser-only calculation

Advertised incentive ($)Use the amount you personally qualify for—not “up to.”

Monthly account fee ($)Use the fee after any waiver ends.

Months you expect to pay the fee

Balance required to waive fees ($)

Months that balance must stay

Alternative annual return on that cash (%)Your estimate; not a Bremo rate quote.

Closing, transfer or other known costs ($)

Account fees$0.00

Balance opportunity cost$0.00

Total estimated cost$0.00

Estimated first-year net value$0.00

Estimate only. It excludes tax effects, credit impacts, missed-action risk and the value of account features. Confirm every term with the provider.

Step 2 · requirements

Can you actually earn it?

The planner stops the route when a required condition fails. It does not collect or transmit your answers.

Answers stay on this device

Did you verify the offer on the provider's official page today?

Do the official new-customer and residency rules fit you?

Does the offer require a qualifying payroll or recurring deposit?

Does it require purchases, bill payments or other transactions?

Can you keep the account open through the required period?

Which path fits your ongoing banking preference?

Review KOHO requirements Review Neo requirements

Use the FCAC comparison tool

A generated result or route click is not an account opening, approval, paid conversion, revenue or profit. Provider evidence is required for those outcomes.

Decision guardrails

What the headline misses

The account must remain useful after the promotional period. Compare it as a banking product, not only as a bonus.

Ongoing account cost

Monthly fees, transaction limits, ATM access and overdraft charges can outlast the incentive.

Required cash

A minimum balance may waive fees but can also prevent that money from earning elsewhere.

Deposit protection

Confirm the institution and product's protection directly. CDIC coverage depends on member, deposit type and category.

Primary sources and verification

Bremo does not publish a fixed ranked payout table here because offers and eligibility change. Start with the current official terms.

Disclosure: Bremo may receive compensation when an eligible visitor uses some marked provider links. That does not change the calculator. Offers can change without notice. Bremo is not a bank and this tool is educational information, not financial advice.