This is a running tracker, not a one-time article. Canadian banks and fintechs pay real money to win your account, and the offers shift through the year. Bookmark this page and check back monthly. Every figure below already appears on our All Bonuses tracker, and every offer changes without notice, so confirm the current terms on the provider's own page before you apply.
The table is sorted by headline value, from largest to smallest. The biggest numbers come from the major banks, but those take the most work: a paid chequing plan and direct deposit held for a couple of months. The no-fee fintech accounts pay less, but the money is fast and there is no monthly fee to erode it.
| Institution | Bonus | Key requirement | Link |
|---|---|---|---|
| CIBC | Up to $950 | Open an eligible Smart Account, set up direct deposit and pre-authorized payments | View offer |
| Scotiabank | Up to $700 | Open an eligible chequing account and set up direct deposit | View offer |
| BMO | Up to $500 | Open an eligible chequing account and set up direct deposit | View offer |
| Simplii Financial | Up to $500 | Open the No Fee Chequing account and set up eligible direct deposit | View offer |
| RBC | Up to $450 | Open a Signature No Limit account and meet the promo terms, Apple Watch offer | View offer |
| TD | Up to $400 | Open an eligible chequing account and set up direct deposit | View offer |
| goPeer | Up to $200 | Sign up on Canada's regulated peer-to-peer lending platform | View offer |
| KOHO | $100 value, 3 months free | No monthly fee, no credit check, code BREMO2026, opens in minutes | View offer |
| Questrade | $100 in free trades | Open and fund an account, then start trading | View offer |
| Neo Financial | $25 | Fund or make a qualifying purchase, no monthly fee | View offer |
| Wealthsimple | $25 | Fund your first deposit | View offer |
The big-bank amounts are maximum promotional values and usually require a monthly-fee plan plus direct deposit held for a set period. Always read the current terms on the provider's page. Figures on this tracker match our All Bonuses page.
If you are new to stacking bonuses, start with a no-fee account so you have a clean place to route direct deposit while you chase the bigger big-bank promos one at a time. KOHO is free to open, takes about five minutes, and runs no credit check. Code BREMO2026 gets you a welcome bonus plus three months of KOHO Extra free. Because there is no monthly fee, the whole bonus stays yours.
Open KOHO with code BREMO2026, route your direct deposit through it, then work down the tracker toward the bigger promos.
Open KOHO with BREMO2026 →This tracker is the quick monthly scan. When you are ready to plan the full run, these guides go deeper.
We review it every month and refresh the last-updated stamp at the top. Offers change without notice, so always confirm the current terms on the provider's own page before you apply.
The big banks run the largest promos, shown at the top of the table. They pay the most in raw dollars but usually need a paid plan and direct deposit held for a couple of months. The fastest money is a no-fee account you can open in minutes.
Yes. Many Canadians stack several over a year. The order and timing matter so you do not trip eligibility rules like new clients only. The free Bank Churning Playbook lays out the sequence.
bremo.io is an independent Canadian personal finance site. We may earn a referral fee when you open an account through our links, which never affects our rankings. Bonus amounts, eligibility, and terms change without notice and vary by province, so always verify the current offer directly with the provider.
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The exact order to claim the offers in this tracker, the direct-deposit trick that makes them stack, and the timing that keeps you eligible. Free PDF, sent to your inbox.