The top bank accounts for Quebec City, Quebec residents — ranked by signup bonus, fees, and everyday value. Two accounts give you free cash just for signing up.
Overview
Quebec City is Quebec's provincial capital and a UNESCO World Heritage city. Whether you're a long-time resident or recently arrived, choosing the right bank account in Quebec can save you hundreds of dollars a year in fees — or even earn you free cash upfront. In 2026, two fintech accounts stand above every traditional bank for new customers: KOHO (giving $80 free) and Neo Financial (giving $50 free). Below, we rank all your options.
Quebec residents also have access to Desjardins, Canada's largest credit union — but Desjardins offers no free signup bonus. For free cash, KOHO and Neo are the clear winners in Quebec City.
Rankings
Every option ranked for Quebec City residents in 2026. Free accounts first.
Available across Canada including Quebec City
Calgary-based fintech — available in Quebec City
Regional option in Quebec City
Local institution available in Quebec City. No signup bonus offered. Compare with KOHO's $80 free and Neo's $50 free.
Regional option in Quebec City
Local institution available in Quebec City. No signup bonus offered. Compare with KOHO's $80 free and Neo's $50 free.
Available in Quebec City
Canada's largest bank — large branch network but no signup bonus
Available in Quebec City
Wide hours and ATM network — no free signup bonus
Available in Quebec City
Scene+ rewards program — no free cash signup
Available in Quebec City
Good for mortgages — no free signup bonus
Available in Quebec City
Good Aventura travel rewards — no free cash bonus
Available in Quebec City
Strong in Quebec — no free signup bonus available
Available in Quebec City
No-fee online bank from Scotiabank — no signup bonus
Available in Quebec City
No-fee banking from CIBC — no free signup bonus
Available in Quebec City
High-interest savings — no signup bonus
Available in Quebec City
Cash account from Wealthsimple — no signup bonus
See detailed KOHO vs Neo, KOHO vs TD, and 50+ other comparison pages on Bremo.
FAQ
Yes — both KOHO and Neo Financial offer full French-language support in their apps, which is important for Quebec City residents. Both also comply with Quebec consumer protection laws.
Yes. Use referral code 45ET55JSYA when signing up at KOHO and you'll receive $80 deposited into your account. There's no monthly fee and no minimum balance required — it's genuinely free cash with no strings attached.
Yes. Neo Financial deposits are held at institutions that are CDIC members, protecting your money up to $100,000. Neo is a legitimate Canadian fintech company headquartered in Calgary and licensed under federal regulations.
Absolutely. Most Canadians keep their existing bank account and open KOHO and/or Neo as a secondary account. This way you pocket the signup bonus cash while keeping access to your current bank's ATM network and existing features.
Both KOHO and Neo take about 5 minutes to open online or via their apps. There's no paperwork, no branch visit required, and no hard credit check. Your virtual card is available immediately; the physical card arrives by mail in 5–10 business days.
🔥 Canadians are claiming $80 free from KOHO right now
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