Simplii Financial™ High Interest Savings Account
$30
Simplii Financial™ High Interest Savings Account
Bank Account · Apply through Finly
Cash back
$30
Finly rebate
Get $30 rebate + Earn 4.6% for 5 months† on an approved Simplii Financial™ High Interest Savings Account
Apply through Finly and get approved for the Simplii Financial™ High Interest Savings Account to earn our Finly rebate — sent to your bank via Interac e-Transfer once your application is approved. Terms and conditions apply.**
Paid via INTERAC e-Transfer
Secure & private
$1.8M paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
- This offer is only valid for eligible new Simplii customers who opened their first Simplii account.
- This offer is not available for residents of Quebec.
- There is a minimum of 7 business days before the bank may report back your updated status to be reflected on our side.
The savings account
Why Simplii Financial™ High Interest Savings Account?
Your savings, always within reach — and always earning. Simplii's High Interest Savings Account keeps your money liquid and your interest rate competitive. No monthly fees, no minimum balance, and no locking your money away — just steady growth on your terms.
How to earn the welcome bonus
- Earn 4.60% interest† on your first Simplii Financial High Interest Savings Account for 5 months
- Only on eligible deposits up to $200,000
- Offer ends on October 31, 2026
- Terms apply
Interest rate tiers
$0.00 to $50,000.00
$50,000.01 to $100,000.00
$100,000.01 to $500,000.00
$500,000.01 to $1,000,000.00
$1,000,000.01 and up
Promo: 4.50%
Fees & limits
Monthly fee
Transactions
Interac e-Transfers
Ready when you are
$30 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your approval and eligibility. No portals, no points — just real cash.
Stack & save
Bundle this with a complementary offer
Open more than one product through Finly and you earn a separate cash rebate on each. We'll e-Transfer them all to the same Interac email — no extra steps on your end.
Apply for 2 more offers to stack rebates from a single Finly account.
Browse all
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Some accounts waive the monthly fee if you maintain a minimum balance or set up direct deposits. Any waiver options are listed in the fees & limits panel above. The financial institution makes the final approval decision.
Eligible Canadian bank deposits are insured by CDIC up to $100,000 per category. Coverage details depend on the institution — check the financial institution's site for specifics.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
† The Simplii Financial High Interest Savings Account Promotional Interest Rate Offer for New Simplii Clients (the “HISA Offer”) is available starting on August 1, 2026 at 12:00 am UTC and ending on October 31, 2026 at 11:59 pm UTC (the “Offer Period”). The following terms and conditions (“Terms”) explain in detail how you can earn a special annual interest rate of 4.60% for 153 days on your first Simplii Financial High Interest Savings Account (“HISA”). To accept this offer, you must open an Eligible HISA during the Offer Period and make a deposit to your Eligible HISA during the Promotional Rate Period (as such capitalized terms are defined in these Terms).
1. Promotional Rate Period
If you meet the eligibility criteria and other conditions described in these Terms, the balance of your Eligible HISA (up to $200,000) will earn Promotional Interest (defined below) for 153 days (which is about 5 months) from the date the HISA was opened (the "Promotional Rate Period").
2. Eligibility
To be eligible for this HISA Offer, you must:
- Be a new client with no prior relationship with Simplii Financial (a “New Simplii Client”). To become a Simplii Financial client, you must apply and be approved for a Simplii Financial product. When you apply for your first Simplii Financial product, we will create a unique client identification number for you (your “Client Number”); and
- Open a HISA for the first time as the primary accountholder during the Offer Period and within 60 days after your Client Number was created (“Eligible HISA”).
If you qualify, your Eligible HISA will earn Promotional Interest during the Promotional Rate Period (subject to certain restrictions as outlined in Section 4 below). Only your first Eligible HISA will qualify for Promotional Interest under this HISA Offer (no matter how many HISAs you open). For joint HISAs, the HISA may be eligible to earn Promotional Interest if the primary account holder is a New Simplii Client and meets all of the terms and conditions set out in these Terms.
3. How interest is calculated and paid
The special annual interest rate of 4.60% is a combination of the regular annual interest rate set by Simplii Financial payable on a HISA balance (“Regular Interest”), plus the promotional annual interest rate (“Promotional Interest”).
Interest on an Eligible HISA is calculated as follows:
- Regular Interest is calculated at the current rate applicable to the Eligible HISA account balance on each day’s full closing balance
- Promotional Interest is calculated on each day's full closing balance up to a balance limit of $200,000 during the Promotional Rate Period
Regular Interest and Promotional Interest are calculated daily and paid monthly. Promotional Interest is paid within the first two business days following the month in which it was calculated. Promotional Interest will only be paid if the Eligible HISA is active and in good standing at the time of payment. If it is not, payment of Promotional Interest will be forfeited for that month.
Regular and Promotional Interest rates may change at any time without prior notice. For current regular rates, visit our rates page. Any change to the Regular Interest rate (or the applicable interest rate tier) will result in a corresponding change to the Promotional Interest rate so that the special annual interest rate will remain constant for the Promotional Rate Period.
At the end of the Promotional Rate Period, all balances will earn interest only at the Regular Interest rate.
4. Restrictions
Additional terms, conditions, and limitations apply to the opening of and making deposits into Eligible HISAs. Individuals must meet the criteria set by Simplii Financial to open or hold an Eligible HISA to qualify for the HISA Offer. Ask for details.
The HISA Offer is non-transferable and cannot be combined with any other promotional savings offers unless otherwise indicated. Promotional Interest cannot be substituted or transferred to a third party. Simplii Financial reserves the right to cancel or change the terms of the HISA Offer at any time, for any reason, without notice and revoke the HISA Offer for any customer who appears to be manipulating or abusing the HISA Offer, or is engaged in any suspicious/fraudulent activity. The terms and conditions of the Simplii Financial Products and Services Agreement continue to apply to all Eligible HISAs.