Free · updated Jul 2026

The Canadian $2,500 Stack.

Twelve real sign-up bonuses. In the right order. Ninety days. No credit card required to start. This is the playbook Canadian banks would rather you never open.

  • 1All twelve offers currently live on the bank's own website — no expired promos, no bait.
  • 2The exact 90-day sequence — which account to open first, when to move your direct deposit.
  • 3The five clawback mistakes that quietly zero out $500 bonuses — and how to avoid them.

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The playbook The Canadian $2,500 Stack cover
What's inside

Twelve offers, in order.

Every bonus is a real, currently-available promo on the bank's own website. We just tell you which order to open them, how to trigger each one, and how long to hold before you move on.

Fast cash — trigger this week
KOHO
$20 + 3 mo Extra
5 min · code BREMO2026
Neo Money
$25
5 min · fund + spend
EQ Bank
$25
10 min · fund $100
Simplii Financial
$450
direct deposit · fast setup
Tangerine
$400
direct deposit
Big cash — 30 to 90 days
BMO Performance
$500
$4k direct deposit · hold 90d
TD Unlimited
$450
direct deposit · hold 60d
RBC Signature
$450
direct deposit · hold 60d
CIBC Smart
$450
direct deposit · hold 60d
Scotiabank Preferred
$450
direct deposit · hold 60d
National Bank
$400
direct deposit · hold 60d
Qtrade brokerage
Up to $2,000
fund + trade · tiered
$2,500 – $3,300
Realistic take in 90 days. Skip Qtrade if you don't invest — you still stack $2,500+ from the rest.
How it works

Three steps. Ninety days.

The PDF walks you through week-by-week. Here's the shape.

01

Fast bonuses (week 1)

Open KOHO, Neo and EQ on day one. Five to ten minutes each. Small amounts, but they set up your anchor accounts for the direct-deposit rotation.

02

Route the direct deposit

Move your paycheque through one big-bank bonus every 60 days. Simplii → BMO → TD → RBC → CIBC → Scotia → National. Each one pays $400 to $500.

03

Don't get clawed back

Every bonus has a "keep active" period. Close too soon and it's gone. The PDF has the five clawback traps and how to avoid every one.

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