01 · operate
Map money movement
List deposits, transfers, bill payments, payroll, cash, cheques, wires and user controls. Compare current agreements and total monthly cost.
Private separation plan
Give every dollar one job.
Do not enter a name, account number, revenue, tax balance, client, business number or transaction. These bounded choices stay in your browser.
Browser-private · fixed aggregate stages only
This means the account used for business income, expenses and operating payments.
Your next safe move
A personal prepaid companion is eligible for review
This is not a business-account recommendation. The route opens only when the business operating layer is already separate and the proposed use is personal spending.
Confirm both boundaries to continue.
Continue through BremoCommercial disclosure: Bremo may receive compensation after a qualifying referral through its existing partner route. A plan, unlocked route or handoff is not an account opening, paid conversion, revenue or profit.
General planning only—not tax, legal or financial advice. CRA and the provider's current agreements control. The planner does not calculate a tax reserve or decide whether GST/HST registration applies.
Decision method
Choose by operating job, not promotional headline.
The useful account is the one that supports the transactions, records and controls your real business requires.
02 · document
Keep supportable records
Maintain income, expense and source records that connect each transaction to the business activity it supports.
03 · reserve
Use actual obligations
Do not copy a universal tax percentage. Base reserves on the business's actual tax situation and current professional or CRA guidance.
Corrected August 14, 2026: the prior page's 2025 ranking, corrupted dollar figures and payment terms, unsupported tax percentages, false KOHO business-banking claim, invented bonus code, stale rates and pre-consent Google tracking were removed. KOHO is presented only as a narrowly gated personal prepaid companion after a dedicated business operating account already exists.
Primary sources
Verify the rules and product role.
Reviewed August 14, 2026. Current official records and agreements control.
CRA: business recordsIncome, expense, bank and source-document record requirements.CRA: GST/HST registrationCurrent small-supplier tests, timing and registration rules.FCAC: account comparisonCompare current account fees, included transactions and features.KOHO: current legal termsIndividual eligibility, prepaid Mastercard role, fees, limits and funds disclosures.Bremo: business opening packetPrepare structure, authority, documents and operating requirements.Bremo: savings net-value plannerCompare a separate savings job without mixing it into business operations.