No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Calculator: first $200 at 15%, above $200 at 29% or 33% — plus provincial credits
Earn KOHO cashback on everyday purchases and use it to fund your charitable giving. Every bit adds up. Use code BREMO2026 for a sign-up bonus.
Open KOHO — Code: BREMO2026Canada's charitable donation tax credit provides a two-tier federal credit:
The most tax-efficient charitable giving strategy in Canada is donating publicly listed securities (stocks, ETFs, mutual funds) directly to a registered charity. When you do this:
Example: You bought $1,000 worth of stock now worth $5,000. Donating cash would mean first selling (triggering $2,000 capital gain, ~$800 in tax) and then donating $5,000 for a credit of ~$1,9500. Net: $1,1500 ahead. Donating the stock directly: $00 capital gains tax, $1,9500 donation credit. Net: $1,9500 ahead — $800 better.