2024最新🇨🇦加拿大银行开户奖励总结【PC $200+4.25%, RBC $75+IPad, Simplii $600+6.25%】

【2024.10.03 更新】PC Money Account：开户 $200 + 4.25%

【2024.09.06 更新】BMO referral 奖励又来了。 使用博客推荐，可多得 $50

【2024.08.29 更新】CIBC 开户 $600 + 5.25% 四个月 + 六个月的 Disney+

【2024.08.21 更新】使用博客推荐链接开户 RBC，除了 IPad，还可以额外获得 $75. 在手机上打开 推荐链接。 更详细步骤见下面正文

【2024.08.17 更新】Simplii 开户奖励再创新高！$500 （支票账户） + $50 （使用 refer 奖励） + $50 （信用卡WB） + 6.25% 五个月存款利率。 博客推荐申请链接

【2024.07.23 更新】Scotiabank 开户 $500

各大银行的开户奖励，是简单易得的羊毛，不可错过。

开户之后，继续了解一下 加拿大银行账户如何节省月费

1) BMO, $650 + 5.5%

【2024.09.06 更新】bmo refer 活动又回来了，2025 年 2 月 28 日之前 使用 refer 开户 多得 $50。 当下官网活动是 $600 奖励，这样一共是 $650 的奖励。

Step 0: 获得 refer link

XXX, you were referred to us by 北美羊毛. When you open and fund a BMO Chequing account by June 30, 2024 both of you will earn a $50 digital reward card. Plus, when you open a new BMO chequing account with a qualifying plan, you can earn up to an additional $600 welcome bonus. – That’s up to $650 in your pocket!

Available digital reward cards: Ultimate Dining E-Promo Card, Indigo E-Gift Card or Amazon.ca Gift Card.

发送你的 given name, family name 到 beimei.yangmao@gmail.com, 博客会发送 refer 到你的邮箱

Step 1: Chequing Account Offer

Earn $350 when you open a new BMO Performance or Premium Plan Chequing Account and make a deposit of any amount by  October 31, 2024.

Complete two of the following by December 31, 2024:

• Set up a recurring direct deposit; and/or
• Make two eligible online bill payments of at least $50 to different billers; and/or
• Set up two eligible pre-authorized debits of at least $50 to different billers

Step 2: Savings Account Offer

• Earn $200 when you open a Savings Amplifier Account, make a deposit of $10,000 or more by
  Octorber 31, 2024, and maintain that balance at all times for 90 days.
• You must qualify for step one to complete step two.
• Saving interest rate 5.50%.

Step 3: Family Bundle Offer

• Earn an extra $50 when you invite a family member as part of a
  BMO Family Bundle and have them open their account by October 31, 2024.
• You must qualify for step one to complete step three.

⚠️ 开储蓄账户的话，有 120 天的 5.5% 存款。 Get up to a 5.50% promo interest rate when you add a Savings Amplifier Account

2) CIBC, $600 + 5.25%

无限定身份的新用户 offer：

官方申请链接; 奖励是 $400 现金 (开支票账户) + $200 (同时开储蓄账户， 5.25% 四个月) + 6 个月的 Disney+；
有工资之类的 Direct Deposit 比较容易满足条件，拿到开户奖励

拿到支票账户的 $400 条件：
需要在两个月内，满足以下两个条件

Step 1: Set up ongoing monthly direct deposits totalling $500 or more from your employer, government or pension.

Step 2: And complete 1 of these 3 transactions within the same calendar month

• 2 recurring pre-authorized debits.
• 2 online bill payments of $50 or more each
• 5 online Visa* Debit purchases

拿到储蓄账户的 $200， 需要完成以下所有：

Get $200 after you complete all qualifying actions for the Smart Account offer, and:

• Open your first eAdvantage Savings Account within the same calendar month as your Smart Account
• Hold a minimum balance of $10,000 in your eAdvantage Savings Account by the end of the second calendar month (not including the month in which you open your account), then
• Maintain a minimum balance of $10,000 each day for the next 3 calendar months

⚠️ 新开的储蓄账户有 5.25% 四个月优惠储蓄利率

免费六个月的 Disney+ 需要做到：

• 开支票账户
• 拿支票账户的借记卡订阅 Disney+
• CIBC 返还前六个月的月费

新到加拿大的新用户 offer：

New to Canada 包括 1, PR 不满五年， 或者 2, 持有超过 12 个月工签 的新到加拿大朋友

博客推荐申请链接; 开户奖励是 $400 + $50 (被 refer)

条款说的较为含糊， 总结如下：

为了拿到被 refer 的 $50 需要:

Conditions you must also meet to get your $50:

Open your first new CIBC Smart™ Account for Newcomers

Deposit $100 or more and maintain a minimum account balance above $0 for 60 days

Set up either a pre-authorized payment or direct deposit

为了拿到新开户的 $400 Costco Cash Card 需要：

（跟无限定身份的新开户奖励一样）

Ready to get your special offer? Here’s how:

1. Provide your email address when you open a CIBC Smart Account for Newcomers as your first CIBC chequing account.
2. Within the first 2 months, set up ongoing monthly direct deposits totalling $500 or more.
3. Complete one of these 3 transactions within the same calendar month:

• 2 ongoing pre-authorized debits
• 2 online bill payments of $50 or more each
• 5 online Visa* Debit purchases

⚠️ 新用户开储蓄账户， 享有 120 天 5.75% 存款利率。

3) RBC, iPad 十代 (银蓝黄粉) + $75

活动延期到 9.30， 我就不换这个宣传图片了。 参考此博文最顶处， 使用博客推荐链接申请，可获得额外的 $75

• 顺利拿到被 refer 的 $75 和 IPad 的正确姿势： 确认账户类型 + 按步骤安装 APP 申请

四种账户可开，但只有两个符合获得 IPad 资格

如何正确完成开户 拿到奖励 IPad + $75

How To Get Started

Step 1, Select which eligible chequing account you’d like to open.

Step 2, Download the RBC Mobile app using the link above and open the eligible chequing account of your choice by November 15, 2024.

Step 3, Complete one of the following using your new account by January 24, 2025:

• Complete one Interac e-Transfer transaction.
• Send two bill payments to a service provider.
• Set up your payroll as a direct deposit.
• Set up two pre-authorized payments.

Step 4, When you’ve completed at least one of the above, we’ll deposit $75 into your new RBC bank account – as well as your friend’s account – within 7 to 20 days.

• 不要 $75， 只要 IPad， 则需要完成以下两项：

Step 1: Open an eligible RBC bank account September 30, 2024.

• RBC Signature No Limit Banking 或者
• RBC VIP Banking

Step 2: Set up and complete two of the following by December 9, 2024.

Your payroll or pension as a direct deposit

Two pre-authorized monthly payments (PAPs)

Two bill payments to a service provider

4) Scotiabank, $500

官方申请链接; 开 chequing 可得 $450， 再开 registered account 得 $50

STEP 1

Open a new Preferred or Ultimate package account and get an additional 10,000 Scene+ points

STEP 2

Complete two of the following transactions to earn $350

Within 60 days, complete two of the following: 

Set up and clear one eligible automated recurring direct deposit that recurs for 6 months in a row

Set up and clear two eligible separate recurring pre-authorized transactions of at least $50 that recur for 6 months in a row

Make one eligible bill payment of at least $50 with online or mobile banking

STEP 3

Open a registered plan or account

STEP 4

Complete this step to earn an extra $50

Within 60 days, complete one of the following in your new registered plan:

From your Scotiabank personal account, set up and clear a recurring pre-authorized contribution of at least $50 per month, that recurs for 6 months in a row.

Make a minimum deposit of $3,000 in your new eligible Registered Account and maintain it for 6 months in a row.

4a) Scotiabank 国际学生 GIC, $50

在 10.31 之前，使用 博客推荐链接 在 Scotiabank 开户购买 国际学生 GIC，可以获得 $50 奖励

5) TD, $600

官方申请链接; 开户 $400 + $200

Step 1: Open an Eligible Chequing Account

Get $400 by opening a TD All-Inclusive Banking Plan or TD Unlimited Chequing Account by September 26, 2024 and complete two of following by November 30, 2024:

• Set up a Recurring Direct Deposit
• Set up a Recurring Pre-Authorized Debit Payment
• Make an Online Bill Payment†

Step 2: Add a Savings Account

Get $200 by depositing $10,000 into the new eligible Savings Account within 30 days of account opening and maintain the balance for 150 days. Explore additional cash offers with the following deposit tiers. Earn:

• $50 for $2,500 deposit
  $100 for $5,000 deposit
  $200 for $10,000 deposit
  $500 for $25,000 deposit
  $750 for $50,000 deposit
  $1,000 for $100,000+ deposit

6) Simplii, $600 + 6.25%

博客推荐申请链接; 开户奖励在官网直接申请是 $500，使用推荐链接申请 多得$50

新用户的开户奖励 包括：

Earn $500
Open a No Fee Chequing Account by October 31, 2024
Add an eligible direct deposit of at least $100 a month for 3 straight months.

Earn 6.25%
Open a High Interest Savings Account
Earn a special 6.25% interest rate on eligible deposits for 5 months. No matter how much is in your account, you won’t pay monthly fees.
Limits apply. Offer ends October 31, 2024.

Earn up to 10%
Open a Cash Back Visa* Card
For your first 3 months with a Cash Back Visa Card, enjoy 10% cash back on eligible restaurants, food delivery and bar purchases. Up to $500 spend.

博客关于 Simplii 网络银行的介绍

7) Tangerine, $500 + 5.75%

使用 promo code EARNMORE 新开户，并完成以下几个任务：

5.75%

Your Savings will earn a special 5.75% rate, including RSPs and TFSAs

Open your first eligible Savings Account within 30 days of becoming a Client.

That’ll get you a 5.75% Savings rate for 5 months (on up to $1,000,000 in deposits).

Up to $400

Earn up to $400 cash back on eligible online transactions

Open your first eligible Savings and Chequing Accounts within 30 days of becoming a Client and activate your Client Card within 60 days of Account opening.

That’ll get you 20% cash back on eligible online Visa Debit transactions when you shop online or in-app for 60 days (up to $400). Plus, you’ll get that sweet 5.75% Savings rate on your new Savings Account!

$100

Land a $100 bonus

Open your first Chequing Account as well as either an eligible Savings or Investment Funds Account within 30 days of becoming a new Client.

Next, set up Automatic Transfers within 60 days of becoming a new Client from your new Chequing Account to your new Savings or Investment Funds Account. These must be at least $50 total per month for 2 months in a row.

博客关于 Tangerine 网络银行的介绍

8) Coastcapital, $400

2024.06.30 之前开户，最多可得 $400, 官网链接， 欢迎使用博客推荐码 REF5DE8D6771D721 支持博客

• Step 1 – Become a member.
  By opening a Coast Capital chequing account. Use your friend’s promo code to make sure they get their bonus too.

Choose the chequing account that’s right for you below. Click to learn about each account’s features. Cash bonus amount varies by account.

$400 bonus: Elevate Chequing Account
$250 bonus: Unlimited Chequing Account
$150 bonus: Free Chequing, Free Debit and More Account

• Step 2 – Get up to $400
  By setting up a direct deposit or maintaining a balance.

Within the first 60 days after account opening, complete one of the following criteria.

Add an eligible payroll or direct deposit and maintain the same payroll or direct deposit for 90 consecutive days or more

OR/AND

Make a deposit of at least $4,000 in your chequing account and maintain the $4,000 balance daily for 90 consecutive days or more

9) Vancity, $300 + $210

官网申请链接， 截止 6.26， 必须 BC 居民， 新账户

• Step 1, Open a chequing account

要么是 E-Package Chequing ($1500免月费）， 要么是 Total Chequing ($6000免月费)

• Step 2, Earn $300

Set up a recurring direct deposit³ to your account for a minimum of 6 months. This could be payroll, government payments or gig work pay.

Then complete at least one of the following:

Set up two pre-authorized payments
Make two bill payments
Set up one pre-authorized payment and make one bill payment

• Unlock up to an extra $210 in value with one of these credit cards.

enviro Visa Infinite card, up to $210
enviro Visa Gold card, up to $124
enviro Visa Classic card, up to $50

10) PC Money Account $200+4.25%

官网链接 🔗 ； 10.31 之前，开户奖励 $200， 添加 savings 功能则有 4.25% 的储蓄利率

欢迎在申请过程中使用博客的推荐码 RZ94095304

To complete your application you will need:

• To be a resident of Canada
• To be at least 16 years of age
• YourSocial Insurance Number(SIN) Required if you’re adding the savings feature.

老用户 定向活动

【2024.06.04 更新】tangerine 老用户收到邮件 继续 5.75% 存款利率三个月

【2024.04.09 更新】根据群友消息，CIBC 给一些群友发了定向 offer：在 6.30 之前的新存款有高达 6% 的存款利率

关键词： 加拿大银行开户奖励，Canadian Banks new account offers