Best Money Apps For Canadians: 25+ Free Apps To Save, Make And Manage Money
The powers of FinTech and growth in access to digital products has created a great collection of apps and services to help Canadians master their personal finances. Whether you’re looking to save money, make money or manage your money, there are a handful of awesome tools to do so.
Most of these apps and services are free, user-friendly and accessible across platforms.
These apps can help you budget and manage your day-to-day finances. Some of the apps below might help you save money or earn some cash back on your normal spending habits. Others might help you make extra money in your spare time.
It’s amazing what a phone or computer can do for your finances.
Below are 25+ Canadian money apps and services covering:
- Managing Money
- Banking Solutions
- Making Money
- Earning Cash Back
- Getting Rebates & Coupons
- Investing Apps
- Comparing Financial Services & Products
- Travel & Entertainment
EQBank – The Best High Interest Savings Account
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.
The EQ Bank Savings Plus Account helps Canadians save money faster at a 2.30% everyday high interest rate. Plus there are no fees, no minimum balance and safe, modern online banking practices. It’s the solution I use for my short-term savings and I’m a big fan of their service.
Find out more about EQ Bank and sign up for the free EQ Bank Savings Plus Account today.
Tangerine – No Fee Chequing Accounts For Canadians (Up To $200 Free Cash Bonuses)
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 current marketplace.
It’s a great solution to help you save money and manage your day-to-day banking needs.
Tangerine offers free sign up bonuses from $50 – $200 when you open a new Tangerine No-Fee Daily Chequing Account.
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 For Canadians
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.
Swagbucks – 11+ Ways To Make Money Online (Free $5 Bonus)
Swagbucks is a great way to make money online in your spare time, with your online shopping or through normal digital habits. You earn rewards, or SBs in 9+ different ways, 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 $340 million their users. You earn your SBs and then convert them to PayPal cash or gift cards to your favourite retailers.
Sign up for Swagbucks todauy and 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.
Ebates – Free Cash Back On Everyday Purchases (Free $5 Bonus)
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!
Register today to receive a FREE $5 Welcome Bonus and be on your way to start earning free cash back.
BeFrugal – More Cash Back & Coupon Library (Free $10 Bonus)
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.
Sign up today and starting earn free cash back!
Checkout 51 – Digital Grocery Savings (Free $5 Welcome Offer)
Checkout 51 is one of the best money apps 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 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. 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.
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.
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.
While these aren’t money apps in the traditional sense, there are a number of great travel rewards credit cards in Canada. The value they provide can help you save big on travel and see this amazing world for less.
Scotiabank Gold American Express ($150 Welcome Bonus)
- 15,000 Scotia Reward points ($150) after spending $1,000 in the first 3 months
- Earn 4x points on every $1 spent on groceries, gas, dining and entertainment
- Earn 1x points on every other $1 spent
- Extensive travel insurance and coverage
- Access to Scotia Rewards Travel Service and a 24/7 Concierge
- Discounted Priority Pass membership to gain lounge access at 600+ airports
- Special offers through American Express Invites and Scotia Rewards Travel Advantage
SIGN UP FOR THE SCOTIABANK GOLD TODAY
Check out a full Scotiabank Gold American Express review to learn more about this card.
American Express Cobalt Card (30,000 Point Bonus In Year 1)
- 30,000 bonus MR-S points in the first 12 months (2,500 monthly when you spend over $500 that month)
- 5x MR-S points on food and drinks, including groceries, restaurants, coffee shops, bars and food delivery
- 2x MR-S points on travel and transit, including airfare, hotels, taxi, Uber and gas
- 1x MR-S points on any other purchases
- $10 monthly fee (totals to $120 annual)
- Free supplementary cards
- 19.99% APR
REGISTER FOR THE AMERICAN EXPRESS COBALT
Want to get all the details on the card? Read more here: American Express Cobalt review.
Scotiabank Passport Visa Infinite ($300 Welcome Bonus)
- $139 annual fee
- 30,000 Scotia Rewards welcome bonus points (must spend $1,000 in first 3 months)
- 2x points on every $1 spent at grocery stores, restaurants, entertainment and daily transit
- 1x points on every $1 spent elsewhere
- No foreign transaction fees
- Free Priority Pass membership (with 6 free lounge passes)
- Free supplementary card
- Flexible travel redemption on the Scotia Rewards portal or Apply Points To Travel Directly
- Extensive insurance coverage
LEARN MORE ABOUT THE SCOTIABANK PASSPORT VISA INFINITE
Check out a full Scotiabank Passport Visa Infinite Card review to get all the detail on this great rewards card.
American Express Gold Card (25,000 Point Welcome Bonus)
- 25,000 Welcome Bonus of Membership Reward Points after spending $1,500 in first 3 months
- Earn 2x points for every $1 spent on grocery, travel, gas and pharmacy
- Earn 1x points for every $1 spent elsewhere
- Transfer points 1:1 to Aeroplan plus other partner networks
- 1 free additional Golds Reward Card ($50 value)
- Extensive travel insurance and purchase protection package
- Access to American Express Fixed Points Travel Program
SIGN UP FOR THE GREAT AMERICAN EXPRESS GOLD CARD
Want to learn more about the AMEX Gold? Check out this full American Express Gold Card review.
Conclusion: Best Money Apps For Canadians To Save, Make And Manage Money
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:
- 89 Personal Finance Tips – Budget, Save, Make, Invest & Better Manage Your Money
- How To Make Money Online From Home In Canada (60+ Ways)
- 15 Smart Money Moves You Can (Easily) Make This Month
- How To Make $1,000 Quick: 9+ Fast Ways To Earn Money When You Need It
- 35+ Rewarding Side Hustles That Almost Anyone Can Do To Earn More Money
- How To Make Money From Your Phone For Free: 35+ Apps & Easy Ways
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