Interest rate

0.75%

Monthly fee

$0

Minimum balance

$0

No promotional rates.

Earn 0.75% ongoing. No expiry date.

No fees.

You’ll never get dinged for a low balance or withdrawals.

No restrictions.

Unlimited deposits and withdrawals. No minimum balance.

Take control of your money.
Our app makes it easy.

  • Manage your investments and savings in one place.
  • Easily move money in & out of your accounts.
  • Sit back and watch your savings grow with automatic deposits.

Unlock lower investment fees.

Money held in your savings account counts towards your overall balance so you can unlock lower investment fees. Learn about investing with us.

FAQs

How is interest calculated and paid?

Your savings account has a yearly rate. Interest is calculated daily and paid monthly.

Will the rate ever change?

Unlike many savings accounts, our interest rate has no best before date. However, our rate depends on the rate set by the Bank of Canada. When that changes, ours may as well.

Is my money protected?

CI Direct Investing has selected one or more of the following companies to act as your custodian: CI Investment Services Inc., Credential Qtrade Securities Inc., and National Bank Independent Network. All of our custodians are Canadian custodians under applicable securities laws and members of the Canadian Investor Protection Fund (“CIPF”) which provides protection for your accounts in case of the custodians’ insolvency for up to $1 million per account type.

Does the balance held in the savings account go toward determining the overall fee for my household?

Yes. For example, if you had $150,000 in a savings account (no fee charged on this portion), and $10,000 in an investment account, you would qualify for a reduced fee on the invested portion. See pricing

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