Eligibility
Does “new customer” actually mean you?
Check prior-account exclusions, product eligibility, residency and the exact application channel in the current terms.
Private planning tool
Turn the terms into dates
All answers and the generated calendar stay in this browser. Bremo records only anonymous stage names—not dates, fees or selections.
No email · no account · no financial inputs transmitted
Step 1 of 2: answer the three safety checks. Dates stay hidden until the plan is ready.
This is a review date, never an automatic instruction to close.
A plan, calendar download or tracker open is not an application, account, approval, paid conversion, revenue or profit. Only authenticated provider evidence can prove those outcomes.
Hard questions
What makes a bonus fail?
The advertised amount is often the least operationally important part of a successful switch.
Execution
Can one payroll satisfy the schedule?
Overlapping direct-deposit campaigns can create missed months, failed bill payments and avoidable fees.
Exit
When is it actually safe to close?
Wait for the payout, clear pending transactions, migrate deposits and debits, then recheck holding and closing terms.
Use official terms as the input
The calculator intentionally contains no provider amount, rate, deadline or eligibility claim. Copy the facts from the provider's current terms. For the switching process, the Financial Consumer Agency of Canada recommends identifying automated transactions, opening and funding the new account, changing direct deposits and pre-authorized debits, reviewing both accounts, and only then closing the old account.
FCAC: transferring products and servicesDisclosure: Bremo may receive compensation from some marked provider routes elsewhere on the site. This planner contains only owned and official-source links and does not determine suitability.
Current joined route
A provider route belongs after the completion plan.
Use this only when the account itself fits. Re-check the live terms and keep the confirmation; an offer page does not prove approval, qualification or payout.
Banking appNo verified public code on this asset
KOHO
Explore the current KOHO Core account route.
Canada · Terms checked 2026-09-01Read the offer evidence →Commercial disclosure: Bremo may receive compensation when an eligible action is completed through a marked Impact link on the next page. Provider terms and Impact attribution control. A view, code copy, click or application is not a conversion or payout.
Compare all 30 verified routes →