Bremo.

Free Bank Accounts for Canadian Students

Your bank charges you $15/month for nothing. These accounts are 100% free AND give you $175+ in signup bonuses. It takes 10 minutes.

$175+
Free Bonuses
$0
Monthly Fees
10 min
To Sign Up
Pro tip: Sign up for KOHO first — it builds your Canadian credit score for free. Good credit = better apartment rentals, cheaper phone plans, and easier car loans after graduation.
Best for Students

KOHO — $80 Free

$80

The go-to for Canadian students. No fees, no credit check, free credit score building, and up to 5% cash back. Use it for groceries, textbooks, everything.

Code: 45ET55JSYA

Get $80 Free →

Neo Financial — $50 Free

$50

Unlimited cash back at partner stores. Great for students who shop at places like Hudson's Bay, Sport Chek, and Staples.

Code: J4C9H3K5

Get $50 Free →

Why Students Are Switching from Big Banks

TD, RBC, BMO, and Scotiabank charge $4–$17/month for basic chequing accounts. That's up to $200/year in fees — for nothing. KOHO and Neo are completely free, give you higher interest on savings, and pay you to sign up.

The math is simple: switch to free accounts, pocket $175+ in bonuses, and never pay bank fees again.

International Students Welcome

KOHO and Neo don't require Canadian credit history. If you just arrived in Canada for school, these are the fastest way to start banking and building your credit score.