Savings that pay off.

Earn interest and unlock lower investment management fees

Interest rate


Monthly fee


Minimum balance



No promo rates.

Enjoy a 3.5% interest rate.


No fees.

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


No restrictions.

Unlimited deposits and withdrawals with no minimum balance.

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Unlock lower investment fees

With our tiered fee structure, every dollar you save with us helps you unlock lower investment management fees.

Phone, app, coins

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

  1. Access your investments and savings in one place
  2. Easily move money in and out of your accounts
  3. Watch your savings grow with automatic deposits


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

Unlike other 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, our rate may change as well.

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.

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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