【2025.04.28 更新】EQ 发邮件称， personal 和 join account 设置了每月超过 $2000 的 direct deposit 后的利率从 4.0% 降到 3.5%， 自 5.2 起实行。
【2025.03.13 更新】加拿大央行12日再次调降基准利率 0.25% 至 2.75%， EQ bank 做出相应调整，自 3.18 起调降：
| Account | Current rate | Rate beginning March 18, 2025 |
|---|---|---|
| Personal Account, Joint Account and EQ Bank Card balance (base rate) | 1.50% | 1.25% |
| FHSA, TFSA and RSP Savings Account | 2.00% | 1.75% |
| 10 Day Notice Savings Account | 3.00% | 2.85% |
| 30 Day Notice Savings Account | 3.05% | 2.00% |
好消息是 设置了 Direct Deposit，仍有 4.00% 的存款利率。
这几年间， EQ 给出的超高的 GIC 利率一直吸引大家的眼球。 同时也有其他网络银行类似的特点：比如无各种隐藏费用，较高的利率，无实体分行，但又有 ATM 解决办法。总体来说，无费用的 EQ 账户还是值得开一个的。
欢迎使用推荐链接申请，支持博客创作。目前通过推荐申请可得 $20 奖励。
其他比较常见、值得关注的网络银行 还有：Simplii, Tangerine, Neo Financial
【2024.01.24 更新】Savings Plus Account 改名 Personal Account
这样也好，本来这个 Savings Plus 就是兼具 Chequing 和 Saving 功能。 现在改叫个人账户，不会迷惑。
同 Neo 账户类似，兼具 Chequing 和 Saving 的功能。
联合账户 最多可以三人
【2024.06.03 更新】EQ bank 推出 Notice Savings Account （魁北克无）
开户的时候可选择 10 天 或者 30 天 notice， 利率不同
配合储蓄账户使用的借记卡，但也有自己的一些特色（⚠️ 魁北克无此卡）
博客有详细解读 TFSA：🇨🇦 加拿大免税储蓄账户 TFSA Canada 详解
该注册账户可以开在 EQ， 也有 3% 存款利率， 也可以购买 EQ 自己的 GIC 产品
博客已经有详细讲解，未购房年轻人必备知识！
⚠️ 魁北克不可开
可以开在 EQ， 也有 3% 存款利率， 也可以购买 EQ 自己的 GIC 产品
最近一两年， EQ 给出的 GIC rate 加拿大独领风骚，需要重点关注。 现在大趋势 利率都是下降中。
⚠️ EQ 目前提供的 GIC 都是 fixed， 不是随时可取的。
2025.01.30 GIC rate
Non-registered GICs
| Term | Rate |
|---|---|
| 3 Month | 3.10% |
| 6 Month | 3.15% |
| 9 Month | 3.15% |
| 1 Year | 3.75% |
| 15 Month | 3.75% |
| 2 Year | 3.75% |
| 27 Month | 3.75% |
| 3 Year | 3.75% |
| 4 Year | 3.75% |
| 5 Year | 3.80% |
| 6 Year | 2.60% |
| 7 Year | 2.60% |
| 10 Year | 2.60% |
RSP/FHSA/TFSA GIC terms & rates
| Term | Rate |
|---|---|
| 3 Month | 4.00% |
| 6 Month | 3.15% |
| 9 Month | 3.15% |
| 1 Year | 3.75% |
| 15 Month | 3.75% |
| 2 Year | 3.75% |
| 27 Month | 3.75% |
| 3 Year | 3.75% |
| 4 Year | 3.75% |
| 5 Year | 3.80% |
| 6 Year | 2.60% |
| 7 Year | 2.60% |
| 10 Year | 2.60% |
2024.06.03 GIC rate
Non-registered GICs
| Term | Rate |
|---|---|
| 3 Month | 3.75% |
| 6 Month | 4.55% |
| 9 Month | 4.80% |
| 1 Year | 5.15% |
| 15 Month | 5.10% |
| 2 Year | 4.95% |
| 27 Month | 4.90% |
| 3 Year | 4.75% |
| 4 Year | 4.55% |
| 5 Year | 4.60% |
| 6 Year | 3.80% |
| 7 Year | 3.80% |
| 10 Year | 3.80% |
RSP/FHSA/TFSA GIC terms & rates
| Term | Rate |
|---|---|
| 3 Month | 3.75% |
| 6 Month | 4.55% |
| 9 Month | 4.80% |
| 1 Year | 5.15% |
| 15 Month | 5.10% |
| 2 Year | 4.95% |
| 27 Month | 4.90% |
| 3 Year | 4.75% |
| 4 Year | 4.55% |
| 5 Year | 4.60% |
| 6 Year | 3.80% |
| 7 Year | 3.80% |
| 10 Year | 3.80% |
关于 GIC 常见问题
Can I redeem GICs before they mature?
Unfortunately not. Once the cancellation period has passed, your GIC is non-redeemable, and your funds are locked in.
How many GICs can I buy?
You can buy up to 20 GICs. Each GIC purchase must be for at least $100, and can be up to a maximum of $100,000. Customers can hold up to $500,000 in GICs, excluding interest earned.
What happens when my GIC matures?
Once your GIC reaches the maturity date, the funds will be placed in your Savings Plus Account (the one from which your initial investment was funded). You will receive an email or SMS alert notifying you of the GIC maturity.
Is the interest earned from my GIC taxed?
Yes. Any interest you earn from your GIC investments will be included on your T5 tax slip.
T5 tax slips can be found by signing in to your account through the EQ Bank mobile app or online banking website.
Will I get a physical certificate for my GIC purchase?
No, but you can view your current and previous GIC purchases by signing in to your account.
Are GICs available in Quebec?
Yes, our GICs are available to Quebec customers (except for RSP GICs, which are not available).
自称收费低廉
自称 best rate that’s right for you.
【2025.01.30 更新】加拿大央行近日再次调降基准利率 0.25% 至 3.00%， EQ bank 做出相应调整：
大多存款利率下降，唯独活期储蓄 涨到 4.00%，算是个亮点
| Account | Current rate* | Rate beginning Feb.4, 2025 |
|---|---|---|
| Personal Account, Joint Account and EQ Bank Card balance (base rate) | 1.75% | 1.50% |
| Personal Account, Joint Account and EQ Bank Card balance (with qualifying direct deposits) | 3.50% | 4.00% |
| FHSA Savings Account | 2.50% | 2.00% |
【2024.12.12 更新】加拿大央行昨日再次调降基准利率 0.5% 至 3.25%， EQ bank 做出相应调整：
| Account | Current rate* | Rate beginning December 17, 2024* |
|---|---|---|
| Personal Account, Joint Account and EQ Bank Card balance (base rate) | 2.00% | 1.75% |
| Personal Account, Joint Account and EQ Bank Card balance (with qualifying direct deposits) | 3.75% | 3.50% |
| FHSA Savings Account | 2.75% | 2.50% |
| RSP Savings Account, TFSA Savings Account | 2.50% | 2.00% |
【2024.10.24 更新】加拿大央行昨日再次调降基准利率 0.5% 至 3.75%， EQ bank 做出相应调整：
| Account | Current rate | Rate beginning October 29, 2024 |
|---|---|---|
| Personal Account and Joint Account | 2.25%* base rate | 2.00%* base rate |
| Personal Account and Joint Account | 4.00%** with qualifying direct deposit | 3.75%** with qualifying direct deposit |
| Personal Account and Joint Account | 2.75%** legacy pre-authorized debits (PAD) Bonus Interest Rate | 2.50%** legacy pre-authorized debits (PAD) Bonus Interest Rate |
| US Dollar Account | 2.75%* | 2.75%* |
| FHSA Savings Account | 2.75%* | 2.75%* |
| RSP Savings Account | 2.75%* | 2.50%* |
| TFSA Savings Account | 2.75%* | 2.50%* |
关键词： 加拿大网络银行， 加拿大最佳银行, EQ Bank
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