Verified by r/PersonalFinanceCanada community
🇨🇦 2026 UPDATED — ALL OFFERS VERIFIED

Every Canadian bank bonus
tracked in one place.

I spent 3 hours tracking down every bank signup bonus in Canada. Here's the complete list — ranked by easiest to claim, with exact steps. Stack multiple offers and earn $2,345+ in one month.

$2,345 total stackable bonuses (2026)

🚀 Start with KOHO — get $100 FREE →

No catch. No credit history needed. Use code 45ET55JSYA. Spend $200 in 30 days.

Featured offers — claim NOW EASY

KOHO
KOHO Financial
Best for newcomers & anyone who wants fast cash. No credit history required. Free card. Sign up in 3 minutes on your phone.
$200 signup + $100 referral = $100 total
Easiest Same day No credit check
Referral code: 45ET55JSYA · Spend $200 in 30 days → $200 back · Refer 1 friend → $800
Claim $800 →
Neo
Neo Financial
High-interest savings + cashback card. Easy to qualify. Stack this with KOHO — they don't conflict.
$25 signup + $500 referral = $75 total
Easy Same day No credit check
Code: J4C9H3K5
Claim $75 →
SCOT
Scotiabank
Biggest bonus on the list. Chequing + savings + registered account bundle. Takes 2–3 weeks to qualify but huge payout.
Up to $700 bonus
Moderate effort 2–3 weeks
View offer →
BMO
BMO Bank of Montreal
Performance Chequing welcome offer. Meet direct deposit or balance requirement.
Up to $500 bonus
Direct deposit needed
View offer →
RBC
RBC Royal Bank
Vantage chequing welcome bonus. Also has newcomer-specific offers with no Canadian credit history required.
Up to $4500 bonus
Newcomer offer
View offer →
TD
TD Bank
Unlimited chequing welcome offer. Also has a great newcomer banking package.
Up to $40000 bonus
Newcomer offer
View offer →
WS
Wealthsimple
Free stock trading + TFSA + RRSP. Best investing platform in Canada. Bonus when you transfer assets or open account.
$25–$1500 bonus
Easy Investing
View offer →

How to stack these for maximum cash

1

Start with KOHO (100 minutes)

Sign up using code 45ET55JSYA. Spend $200 anywhere (coffee, groceries) within 30 days. Get $200 back immediately. Then refer one friend for another $800. Total: $100.

2

Neo Financial (5 minutes)

Open a Neo account with code J4C9H3K5. These don't conflict with KOHO — they're different products. Instant $25 signup + $500 referral. Total: $75.

3

Big bank bonus (2–3 weeks)

Pick ONE of Scotiabank ($700), BMO ($500), or RBC ($4500). Open chequing + set up direct deposit from your job. These take a bit longer but the payout is massive. Don't do all three at once — your credit score will thank you.

4

Wealthsimple for investing

If you have any savings to put somewhere smart, open a Wealthsimple TFSA. Free ETF investing, no commissions. $25–1500 bonus depending on current promo.

FAQ

Is this legit? Are these real bonuses? ▼
Yes. KOHO, Neo, Scotiabank, BMO, RBC and TD are all real Canadian banks and fintechs. Their signup bonuses are official offers, not workarounds. Bremo just tracks them in one place so you don't have to hunt for them yourself.
Can newcomers to Canada get these bonuses? ▼
Yes. KOHO and Neo require no Canadian credit history — you can sign up the day you land. RBC and TD have dedicated newcomer packages that waive the typical credit requirements. Scotiabank and BMO are accessible to newcomers with ID.
Will stacking multiple bank accounts hurt my credit score? ▼
KOHO and Neo do NOT do a hard credit check, so they don't affect your score at all. The big banks (Scotia, BMO, RBC) may do a soft pull, which has minimal impact. Open these one at a time, not all at once, and you'll be fine.
What's the KOHO referral code? ▼
The code is 45ET55JSYA. Enter it when signing up at koho.ca. Spend $200 within 30 days and get $200 back. Then refer a friend with your own code and get $100 per referral.
How long do the bonuses take to arrive? ▼
KOHO and Neo pay same-day or within 24 hours of meeting the condition. Big bank bonuses (Scotiabank, BMO) typically take 2–6 weeks after you meet the requirements (direct deposit, minimum balance, etc.).
Are there any hidden fees? ▼
KOHO has a free tier (no monthly fee). Neo Financial is free. The big banks have monthly fees but these are usually waived if you maintain a minimum balance or have a qualifying direct deposit — the same condition you need for the bonus.

Start with $800 from KOHO — takes 5 minutes

Use referral code 45ET55JSYA. Spend $200 within 30 days. No credit check. No monthly fees. Works on day 1 in Canada.

Claim my $800 from KOHO →

Or get the full 2026 bonus guide emailed to you:

Disclosure: Bremo earns a referral commission when you sign up through our links. This does not affect the bonus you receive — it's paid by the bank in addition to your bonus. All offer details verified as of March 2026. Bonuses subject to change; always verify terms with the provider. Bremo is not a financial institution.