Exclusive cash back on Canada’s top financial products.

Yes — Finly is 100% free for our members. We earn a commission from financial institutions when you're approved for a product through us, and we share that commission with you as a cash rebate.

A Finly rebate is a real cash payment you receive when you apply for — and are approved for — an eligible financial product (credit card, bank account, or brokerage) through our platform. It's our way of sharing the referral commission we earn with you, paid directly to your bank account.

Yes! The Finly rebate is completely separate from and on top of any welcome bonus, sign-up offer, or promotional incentive offered by the financial institution. You get both.

Rebates are sent via Interac e-Transfer through our secure automated payment system. Add your Interac email to your Finly profile. If your Interac requires a password to accept payments, you can find your unique passcode in your Finly account page. Otherwise, the payment will be auto-deposited directly into your bank account.

The timeline varies by institution. Most banks report the transaction to us within 3–7 days after approval, but some can take a few weeks. Once we receive confirmation, payments are typically processed within 10 days. You can track your rebate status in your Finly account.

No — Finly rebates apply only to brand new sign-ups for products you don't already hold with that institution. If a bank flags you as an existing customer for that product, the rebate won't apply.

If your application is declined, no rebate is owed since the institution doesn't pay us a commission. You're welcome to apply for a different offer through Finly — the rebate kicks in once a product is approved.

No. Our tracking relies on browser cookies to attribute your application to your Finly account. VPNs, ad blockers, and incognito/private browsing can break this and may result in your rebate not being recorded. Please disable them before clicking the offer link.

It's strongly recommended to complete the entire application on the same device in one browsing session. Switching devices or closing the browser midway can break the tracking cookie and prevent the rebate from being recorded.

If your rebate hasn't appeared within the expected timeline, file a support ticket through your Finly account. Having your application reference number ready will help us resolve the issue faster.

Finly rebates are generally treated as a cashback/rebate rather than income, similar to credit-card cash back. We can't provide tax advice — please consult a Canadian tax professional if you have questions about your specific situation.

When you refer a friend to Finly and they earn a rebate on an eligible product, you earn a 25% bonus on top of their rebate — paid via Interac like any other rebate. There's no cap on how many friends you can refer.

Yes. We collect only the minimal information needed for payment processing — basic details like your name and Interac email. We never share your data with third parties beyond what's required to process your rebate.

Finly works for residents across Canada. Some specific products may have regional availability set by the financial institution — those restrictions are noted on each offer page.