Marketplace

Student money products inCanada

WealthNutz helps students in Canada and the US compare official banking, scholarship, and loan options — then go apply on the provider’s site.

No-fee banking, investing apps, and official federal student aid for Canadian students. These are curated links to official sites — not a live rate database. Always confirm fees and eligibility with the provider.

Set your student profile — optional, saved in this browser.

School scholarship pages — official awards and aid by school.

Read the 2026 Canada student bank guide · OSAP vs private loans · RESP & TFSA basics

Canada banking snapshot

Advertised details as of September 2026. Confirm on the official site.

EQ Bank Personal Account

Fees: $0
ATM access: ATM via EQ Bank Card (operator fees may apply)
Advertised perk: Interest up to 2.75% with qualifying direct deposit; 1.00% base
Best for: Best for interest on cash

Open EQ Bank account

Tangerine Chequing

Fees: $0 forever (not student-only)
ATM access: Free Scotiabank ATMs
Advertised perk: New-client $250 if you move payroll (offer/terms change)
Best for: Best for no-fee after graduation + ATM network

See Tangerine student banking

RBC Advantage Banking for Students

Fees: $0 while a full-time student (fee returns after)
ATM access: RBC ATMs + non-RBC Canada withdrawals per RBC terms
Advertised perk: Branch access / student perks
Best for: Best if you want a big bank and branches

See RBC student chequing

Wealthsimple

Fees: $0
ATM access: App / card per Wealthsimple terms
Advertised perk: Investing + cash in one app
Best for: Best if you already want to invest

Open Wealthsimple

TD Student Chequing Account

Fees: $0 until 23 or with full-time proof of enrolment
ATM access: Free TD ATMs; $2 non-TD ATM in Canada
Advertised perk: $0 monthly fee until 23 or with full-time proof of enrolment; unlimited transactions; free Interac e-Transfer
Best for: TD branches + $0 student fee

See TD student chequing

Scotiabank Preferred Package for Students and Youth

Fees: $0 if under 25 or full-time student
ATM access: Scotiabank ATMs; 1 free non-Scotia Interac ATM in Canada per month then $2
Advertised perk: $0 monthly fee if under 25 or full-time student; unlimited debit + e-Transfer; Scene+; advertised $200 welcome (terms, check offer end date)
Best for: Scene+ / branch bank

See Scotiabank student banking

BMO Student Banking

Fees: $0 while a student
ATM access: BMO ATMs; 1 free non-BMO Canada ATM/month then $2
Advertised perk: $0 monthly fee while a student; unlimited debit + e-Transfer. Confirm current student offer on BMO
Best for: BMO branches

See BMO student banking

CIBC Smart for Students

Fees: $0 for eligible full-time students
ATM access: CIBC ATMs; 1 non-CIBC Canada ATM rebate per month
Advertised perk: $0 monthly fee for eligible full-time students (CIBC Smart Start is the under-25 version)
Best for: CIBC students 25+ / Smart Start if under 25

See CIBC student chequing

Simplii Financial No Fee Chequing

Fees: $0 for everyone (not student-only)
ATM access: Free CIBC ATMs
Advertised perk: $0 monthly fee for everyone, not student-only; unlimited transactions
Best for: no-fee after graduation

See Simplii chequing

Product	Fees	ATM access	Advertised perk	Best for	Open site
EQ Bank Personal Account	$0	ATM via EQ Bank Card (operator fees may apply)	Interest up to 2.75% with qualifying direct deposit; 1.00% base	Best for interest on cash	Open EQ Bank account
Tangerine Chequing	$0 forever (not student-only)	Free Scotiabank ATMs	New-client $250 if you move payroll (offer/terms change)	Best for no-fee after graduation + ATM network	See Tangerine student banking
RBC Advantage Banking for Students	$0 while a full-time student (fee returns after)	RBC ATMs + non-RBC Canada withdrawals per RBC terms	Branch access / student perks	Best if you want a big bank and branches	See RBC student chequing
Wealthsimple	$0	App / card per Wealthsimple terms	Investing + cash in one app	Best if you already want to invest	Open Wealthsimple
TD Student Chequing Account	$0 until 23 or with full-time proof of enrolment	Free TD ATMs; $2 non-TD ATM in Canada	$0 monthly fee until 23 or with full-time proof of enrolment; unlimited transactions; free Interac e-Transfer	TD branches + $0 student fee	See TD student chequing
Scotiabank Preferred Package for Students and Youth	$0 if under 25 or full-time student	Scotiabank ATMs; 1 free non-Scotia Interac ATM in Canada per month then $2	$0 monthly fee if under 25 or full-time student; unlimited debit + e-Transfer; Scene+; advertised $200 welcome (terms, check offer end date)	Scene+ / branch bank	See Scotiabank student banking
BMO Student Banking	$0 while a student	BMO ATMs; 1 free non-BMO Canada ATM/month then $2	$0 monthly fee while a student; unlimited debit + e-Transfer. Confirm current student offer on BMO	BMO branches	See BMO student banking
CIBC Smart for Students	$0 for eligible full-time students	CIBC ATMs; 1 non-CIBC Canada ATM rebate per month	$0 monthly fee for eligible full-time students (CIBC Smart Start is the under-25 version)	CIBC students 25+ / Smart Start if under 25	See CIBC student chequing
Simplii Financial No Fee Chequing	$0 for everyone (not student-only)	Free CIBC ATMs	$0 monthly fee for everyone, not student-only; unlimited transactions	no-fee after graduation	See Simplii chequing

How we pick these

We list no-fee or student-fee everyday accounts already on Marketplace — not every bank in Canada or the US.

Fees, ATM access, and advertised perks are as of September 2026. Confirm them on the bank’s site before you apply.

Some product buttons are affiliate links. We may earn a commission if you open an account.

featured means editorial. sponsored means paid placement — labeled “Paid placement” and separate from table order.

Organic table order is editorial. No bank paid for its rank in the comparison table.

Government hubs (FAFSA, NSLSC, provincial aid) are never affiliate or sponsored.

Banking & savings

Everyday accounts we list — confirm fees on the official site.

FeaturedCurated pick

EQ Bank Personal Account

No monthly fees, high-interest everyday account

Why featured: strong student fit from advertised no-fee / everyday banking terms — placement is editorial, not a paid rank.

Fee / student deal: $0 — Interest up to 2.75% with qualifying direct deposit; 1.00% base

One account for spending and saving, with no monthly fees. Open to Canadian residents who have reached the age of majority.

We may be paid if you open this.

Open EQ Bank account

Curated pick

Tangerine Chequing

No-fee chequing that works as a student account

Fee / student deal: $0 forever (not student-only) — New-client $250 if you move payroll (offer/terms change)

Tangerine’s student banking page explains how to open a no-monthly-fee chequing account online (age 16+ for chequing).

We may be paid if you open this.

See Tangerine student banking

Curated pick

RBC Advantage Banking for Students

No monthly fee student chequing at a major bank

Fee / student deal: $0 while a full-time student (fee returns after) — Branch access / student perks

Official RBC page for the Advantage Banking account for full-time students (13+), including how to apply online.

We may be paid if you open this.

See RBC student chequing

Curated pick

TD Student Chequing Account

Official TD student and youth chequing page

Fee / student deal: $0 until 23 or with full-time proof of enrolment — $0 monthly fee until 23 or with full-time proof of enrolment; unlimited transactions; free Interac e-Transfer

TD’s student chequing page covers eligibility, how to open online or in branch, and current terms. Confirm fees and any offers on the official site.

See TD student chequing

Curated pick

Scotiabank Preferred Package for Students and Youth

Scotiabank’s current student and youth chequing package

Fee / student deal: $0 if under 25 or full-time student — $0 monthly fee if under 25 or full-time student; unlimited debit + e-Transfer; Scene+; advertised $200 welcome (terms, check offer end date)

Official Scotiabank page for the Preferred Package for Students and Youth (this replaced Student Banking Advantage for new customers). Confirm eligibility and terms on the official site.

See Scotiabank student banking

Curated pick

BMO Student Banking

Official BMO student chequing and banking hub

Fee / student deal: $0 while a student — $0 monthly fee while a student; unlimited debit + e-Transfer. Confirm current student offer on BMO

BMO’s student banking page explains student chequing options and how to apply online or in branch. Confirm plan fees, eligibility, and any offers on the official site.

See BMO student banking

Curated pick

CIBC Smart for Students

Official CIBC student chequing page

Fee / student deal: $0 for eligible full-time students — $0 monthly fee for eligible full-time students (CIBC Smart Start is the under-25 version)

CIBC’s student bank account page covers Smart for Students and points to Smart Start for under-25 everyday banking. Confirm which account you qualify for on the official site.

See CIBC student chequing

Curated pick

Simplii Financial No Fee Chequing

Official Simplii no-fee chequing page

Fee / student deal: $0 for everyone (not student-only) — $0 monthly fee for everyone, not student-only; unlimited transactions

Simplii’s no-fee chequing page is the product page for everyday banking (not a student-only account). Confirm ATM access, eligibility, and any offers on the official site.

See Simplii chequing

Investing

Cash and registered accounts to start after you can save.

FeaturedCurated pick

Wealthsimple

Cash, TFSA, RRSP, and FHSA in one app

Why featured: strong student fit from advertised no-fee / everyday banking terms — placement is editorial, not a paid rank.

Fee / student deal: $0 — Investing + cash in one app

A practical starting point for Canadian students who want commission-free investing and registered accounts.

We may be paid if you open this.

Open Wealthsimple

Official student aid

Government hubs to apply for grants and loans.

FeaturedOfficial site

NSLSC (Canada Student Loans)

Official federal student loan and grant account

Why featured: strong student fit from advertised no-fee / everyday banking terms — placement is editorial, not a paid rank.

Fee / student deal: Free to use on the official site

Apply through your province/territory; manage repayment, RAP, and loan details on the National Student Loans Service Centre.

Not an affiliate.

Go to NSLSC

Official site

Canada Student Financial Assistance

Federal grants and loans overview

Fee / student deal: Free to use on the official site

Government explainer for Canada Student Grants and Loans, eligibility, and how to apply in your province or territory.

Not an affiliate.

Read student aid guide

Scholarship Finder

Search awards by country and major →

Schools

Official awards pages by school →

Loan Tools

Compare lenders and estimate payments →

Some Marketplace product buttons may be affiliate links — we may earn a commission if you open an account. That never changes which products we list. Government pages (FAFSA, StudentAid.gov, NSLSC) are official — not affiliates. This is education, not personalized financial advice.