25+ Apps, Tools & Services To Save Money, Make Money, Manage Money & Invest In Canada
The powers of FinTech and growth in access to digital products has created a collection of Canadian money apps and services to help you master your personal finances.
Whether you’re looking to save money, make money or manage your money, there are a handful of tools to do so.
Most of these apps and services are free, user-friendly and accessible across platforms.
Below are 25+ Canadian money apps and services covering:
- Manage Money
- Cash Back
- Rebates & Coupons
- Make Money
- Compare Financial Services & Products
- Travel & Entertainment
Mint – Tracking & Budgeting
Mint is one of the most recommended and highly rated free tools for money management and personal finances in Canada.
What does Mint do? Mint helps Canadians track their spending and establish budgets in order to help them take control of their money. Mint’s features also help with bill payments, tracking your net worth, goal setting and much more.
It’s entirely free and one of the essential money services to add to your financial toolbelt. In a matter of minutes you can open a new account, connect your financial accounts (bank, credit, investing) and have your entire financial snapshot in one place.
Understanding where your money is going and how you can best optimize the budgeting process is one of the key steps to bettering your personal finances.
Mint is accessible by both web and mobile with an easy to use interface and intuitive design.
Borrowell – Free Credit Score & Report
Borrowell gives you free access to your credit score and credit reports.
What’s your credit score and report? Essentially your credit score is a indicator of your financial health or creditworthiness. It gives potential lenders (or sources of credit) an indication of the risk you might present should they decide to borrow you money. Your credit report is a summary of your financial history that includes how you pay your financial obligations and your borrowing activity.
What are the benefits of tracking your credit score and report? Staying on top of your credit score and report can help if you’re actively looking to improve your score, potentially refinance any liabilities, secure better rates and avoid fraud by being on the lookout for any oddities against your ID.
The services of Borrowell are simple, secure and free. It takes 2 minutes to register your account and from there, you’ll be able to monitor and track any monthly changes in your credit score and report.
EQBank – High Interest Savings Accounts
Long gone are the days of parking your saving account(s) and emergency fund in an account with a 0.01% interest rate from your standard bank.
EQ Bank is the solution many Canadians have turned to for saving and storing their savings. No monthly fees, no minimum balance, unlimited transactions, bill payments, goal tracking and much more.
Best of all? EQ Bank has high interest savings accounts paying a 2.30% interest rate.
Tangerine – No Fee Chequing Accounts
For day-to-day banking needs a popular choice is the Tangerine No-Fee Daily Chequing account. As noted in the name, there are no-fees, you get free access to the 3,500+ Scotiabank ABMs around Canada and 50,000 ABMs globally, plus a ton of other services and protections you expect from a bank account in the present day.
Tangerine is currently offering a free $150 bonus when you open a chequing account by October 31, 2018.
Swagbucks – 9+ Ways To Make Money Online
Swagbucks is a great way to make money online. You earn rewards, or SBs, by: taking surveys, doing your normal online shopping, using the Swagbucks search engine, watching videos, playing games, discovering deals and buying gift cards.
Is Swagbucks legit? Yes, they have an A rating on Better Business Bureau and have paid out over $270 million their users. You earn your SBs and then convert them to PayPal cash or gift cards to your favourite retailers.
Checkout this full review on Swagbucks to learn more about the 9+ ways it helps you make and save money online.
Sign up for Swagbucks using my special link to earn a FREE bonus $5!
Pinecone Research – Earn $3 Per Survey
PineCone Research is one of the most popular and rewarding survey websites that provides their users with $3 per survey completed. After you’re ready to cash out, your money will be sent directly via cash or to your PayPal account.
PineCone Research is free to join and offers a variety of survey opportunities for Canadians.
Survey Junkie – Highly Rated And Heavy Volume
Survey Junkie is another one of the most popular and highest rated free survey websites. They do a great job of matching surveys to your interests and demographics based off the questions answered when you first set up your account.
When you’re ready to cash out, you can get paid via PayPal or gift cards.
Survey Junkie is free to join and Canadians can start earning money immediately.
Daily Rewards – Free $5 Welcome Bonus
DailyRewards is the Canadian counterpart to the American platform, Inbox Dollars. Similar to Swagbucks, you’ll be rewarded for watching TV, taking surveys, or making purchases online.
They offer a free $5 welcome bonus offer for signing up and your pay outs are made via cash or gift card.
Survey Rewardz – Quick Surveys & Payouts
Survey Rewardz is another free panel site that will pay you to give your opinion through their surveys covering a variety of topics. Pay outs range from $0.50 – $10.00 depending on the length and type of the survey.
The most unique aspect of Survey Rewardz is their payout threshold is only $1. Other sites might have a minimum of $25 but with Survey Rewardz you can pull smaller sums as you see fit.
Your payment options are check, PayPal, Amazon Gift Card or a PrePaid Visa. Sign up today and starting earning some additional dollars through your opinion.
iSAY Ipsos Survey Panel – Rewards For Your Opinion
Their parent company, Ipsos, is publicly traded and works directly with some major global firms on market research.
It’s free to join and you can start making cash immediately.
Questrade – Low Cost ETF Investing
Questrade is the online discount brokerage of choice for many Canadians and is often voted or regarded by the industry panels as the “best”.
From the fully digitized sign-up process, intuitive user-experience, and ease of use, Questrade is a great platform for DIY investors. In terms of the costs, there are no opening or closing fees on a TFSA or RRSP, no account holding fees, no withdrawal fees and best of all ETF purchasing is free, while ETF selling is $0.01 per share ($4.95 minimum – $9.95 max).
If you want to open a free Questrade account, use my QPass key 606106362419068 to unlock a free $25 – $250 cash bonus depending how much you deposit.
Wealthsimple – Robo Advisor Investing
Wealthsimple remains and continues to grow as one of the largest and most preferred robo-advisors for Canadian investors looking to take a more hands-off approach.
An amazing user-experience and intuitive platform, quick set-up process, $0 account minimums, unlimited transactions and strong customer service make Wealthsimple a great choice.
Wealthsimple offers 3 portfolios based on your risk tolerance (conservative, balanced and growth) and an extensive account mix (TFSA, RRSP, RESP, RRIF, LIRA, Personal, Joint and Corporate) plus takes care of rebalancing your portfolio and dividend reinvestments.
Sign up today for free and start investing for your retirement.
Mylo – Roundup Micro Investing
Mylo is a micro-investing app that provides Canadians the opportunity to start investing with as small (or big) of contributions they’d like to make.
It’s the Canadian version of Acorns (the popular investing app for Americans). Their platform allows you to roundup your purchases to the nearest dollar and automatically invest the difference.
They invest your account into the selected portfolio of ETFs that fit your risk tolerance and profile. The flat fee is $1 per month no matter the amount of money in your account.
Sign up today and start making every dollar count towards your retirement.
Ebates – Free Cash Back On Everyday Purchases
Earn FREE cash back with Ebates for the normal spending you would traditionally do online. All you do is register an account and click through the links on the Ebates website (or install the Browser Extension). Ebates earns a referral fee for driving you to these different stores sites and at no extra charge to you, you get a percentage of that cash back for free.
Ebates has affiliations with almost every major retailer (2,500+ stores and counting) including Amazon, eBay, Indigo, GroupOn, Expedia, etc. So the cash back opportunities on your normal shopping habits are endless. Sign up today and start earning!
Check out this full review of Ebates to learn more about how it can make and save you money.
BeFrugal – More Cash Back & Coupon Library
BeFrugal is another cash back platform to help you earn free money back on your online shopping purchases. Similar to Ebates, you get a % kicked back to you depending on the specific offer and amount you’re spending. To help make sure you don’t miss an offer, you can install the BeFrugal Browser Extension.
BeFrugal has relationships with over 5,000 retailers (almost twice as many as Ebates) plus thousands of other coupons and special promotions to help you earn and save.
When you’re ready to cash out you can go with 1 of 3 options: check, PayPal or gift card to a major retailer.
Sign up today to get a FREE $10 welcome bonus and start earning cash back.
Great Canadian Rebate – Cash Back & Bonus Offers
Great Canadian Rebates is another cashback site for those of us North of the border. They have relationships with over 500 merchants including all the big names you’d expect like Amazon, eBay, Expedia and so on.
Great Canadian Rebates has daily cash back boosters and special offers to give you the opportunity to earn even more cash back on your everyday online purchases.
One area that they really shine is with the bonuses they offer on credit cards. They have cash back rebates of $50 – $100 when you go through their page to register for a new credit card.
Checkout 51 – Digital Grocery Savings
Checkout 51 is an app to help you earn cash back rewards for grocery and household item purchases. They include a wide-range of product offerings all with a set cash back value and also release ongoing weekly promotions and one-off deals to help you push your earnings further.
Open the Checkout 51 the app before you go to the store(s) to make note of any offers, purchase your items, upload a photo of the receipt into the app once you’re back home and let your cash back dollars build up.
It takes less than a minute to upload your receipt and get that cash deposited into your account. Plus you can get $5 FREE when you use this link and upload 3 receipts.
It’s free, easy to use and can help put cash back into your account with your normal grocery shopping.
Honey – Extensive Coupon & Deal Aggregator
Honey is another great digital rewards platform that searches the internet for the best deals and coupons from their list of over 3,700 partner stores. With Honey you can make sure you’ll never miss a coupon or chance to save money at literally every online store that you might normally be shopping at.
Best of all, Honey is completely free.
You can download the free Honey App and install it into your browser (Chrome, Safari, Firefox) to get alerted whenever there is a coupon available for the website you’re visiting.
Snap By GroupOn – Rebates App On Purchases
Snap is a free app that allows you to get cash back rebates on your purchases. Their parent company is GroupOn.
Their app provides various digital offers that are redeemable at their partner retailers.
Their service is free and Snap is just another option to help you save on your everyday purchases.
RateHub – Compare Financial Services
Ratehub is a platform that allows you to compare and explore various financial services and products. Including the latest rewards credit cards, high interest savings accounts, mortgages and more.
They also have financial calculators embedded to help you best understand the nuances between the various offerings. Ratehub is a great tool and allows you to gather supporting data before you make a financial decision.
Rate Supermarket – Compare Services And Earn Rewards
Rate Supermarket offers similar services to Ratehub (above) as it allows you to get a broad view of the various offerings currently available on credit cards, mortgages, bank accounts, insurance and other financial services.
Travelocity – Discount Travel
Travelocity is one of the more popular and often used discount travel aggregator search engines.
In a matter of seconds you can pull thousands of vacation deals. From flights, hotels, packages, car rentals and more, Travelocity has it all.
If you have an upcoming trip, Travelocity is a great, free solution to save money and find the best solution for you.
Cheapoair – Flight Aggregator
Cheapoair.ca provides Canadians with a discount flight aggregating service aimed to help their users save money.
Whether you’re travelling for business or pleasure, Cheapoair.ca tracks flights to all major destinations in North American and globally.
Cheapoair.ca is free to use and can find you the most optimal flight in seconds.
GroupOn – Food, Fun & Travel Coupons
One of the most flexible Canadian money and apps to help you save money is GroupOn. Thousands and thousands of discounts and coupons to cover all travel or entertainment options.
From vacations, restaurants, event tickets and anything else you can imagine.
GroupOn has you covered and can save you big dollars in a matter of minutes.
WagJag – Deals On All Entertainment
WagJag offers discounts, deals and coupons to attractions, locally and when travelling.
Similar to GroupOn, WagJag provides major cost savings across dozens of different entertainment categories.
Give their website a browse and see what opportunities you might have to cut costs on your next adventure.
In Closing…Apps To Save Money, Make Money & Manage Money In Canada
The powers of FinTech continues to grow and make Canadian money apps more effective and efficient for everyday people. Every month new services and tools are released to help you save, make and better manage money.
Whether you’re looking to invest, budget or earn extra cash, apps and services can support you in solving that.
Personal finances are personal. Each situation is unique and not all Canadian money apps will be applicable to everyone.
However, there are definitely services available that you can implement in your own life.
What Canadians money apps and services best help your personal finances?
Are there any other tools and resources you use?
Let me know in the comments below.
Here are some other posts to help you take control of your money and life:
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- How To Make $1,000 Quick: 9+ Fast Ways To Earn Money When You Need It
- Building Good Money Habits – Make Your Own Money Momentum
- 35+ Rewarding Side Hustles That Almost Anyone Can Do To Earn More Money
- Waking Up At 5AM Changed My Life – Win The Morning, Win The Day
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