High-Interest Savings Account Chequing account rut? Move your savings over to the fast lane.

Promo rate: Earn 3.70% interest on new deposits!1

Until February 28, 2026.

Return
Up to 1.05%

Risk
No risk

Have a Client Centre account and at least one of our products? Open a high-interest savings account online.

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A high-interest savings account2 is like upgrading your bank account. It rakes in higher interest on your savings monthly and it’s 100% online and free.

In a nutshell, make money with your savings and withdraw at any time for a short-term goal like a trip or home renovations. That’s a sweet deal, and it’s even available as a TFSA.

Current rates for our high-interest accounts

High-Interest Savings Account

1.05%

3.70% promo rate1
Until January 31, 2026

High-Interest TFSA

1.05%

3.70% promo rate1
Until February 28, 2026.

Give your savings a promotion!

Don’t miss our promo rates. For a limited time, earn 3.70% interest on new deposits.1

Save in 3 easy steps.

1. Check if you're eligible

To be eligible, you must have at least one insurance or investment product with us.

You also need a Client Centre account.

2. Open a high-interest account

Do it online in no time. Head over to the Client Centre and log in.

Already have a high-interest account? No need to open another one.

3. Make a deposit

Check out the Scheduled transactions feature. It’s like cruise control for your savings.

New deposits automatically earn the promo rate during the offer.

Log in

Beneva, a smart investment

We offer attractive rates

Money sleeping in your bank account? Our attractive interest rate puts your money to work in no time.

We keep it 100% free

No minimum investment, zero service fees, and get unlimited transactions.

Deposit protection

Deposits covered by the Autorité des marchés financiers, up to $100,000 per deposit category. Please consult the Autorité des marchés financiers pamphlet for more details: Your deposits are protected. That’s a guarantee! (lautorite.qc.ca).

We're big on customer service

Your account is 100% online, but support is never far when you need it.

Available as a TFSA
100% of the earnings in your pocket

Your high interest account can be registered as a TFSA.

  • No red tape. Withdraw the amounts you want when you want, without tax penalties.
  • Any profits you make won’t be taxed, even when withdrawn.
Discover the TFSA

Automatic deposits
Not one to squirrel money away? Go automatic for quick, easy savings!

Let's face it, we all mean to save, but often don’t. Payroll deductions3 or pre-authorized debits are a smart way to stay on track and enjoy the rewards of hassle-free savings.

To set up payments, simply program how much, how often, and how long you wish to save. That’s it, you’re building a nest egg (plus interest).

Non-registered plan

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1. The promotional interest rate combines the base interest rate and the bonus rate of 2.65%. The current base rate may change at any time without notice. The promotional interest rate automatically applies to all new net deposits from an external account up to a maximum of $100,000 made to a Beneva High-Interest Savings Account, registered or non-registered. The bonus interest rate of 2.65% applies to deposits made to a Beneva High-Interest Savings Account (non-registered) from November 3, 2025, to January 31, 2026. The bonus interest rate of 2.65% applies to deposits made to a Beneva High-Interest TFSA from November 3, 2025, to February 28, 2026.

Additional terms and limitations apply. See full details and the Terms of use.

2. This account is available to individuals residing in the province of Quebec only.

3. Reserved for Quebec's public service employees with a participating employer.

Beneva Inc. is an authorized deposit institution registered with the Autorité des marchés financiers, under the Deposit Institutions and Deposit Protection Act.

Terms of use of the Beneva High-Interest Savings Account.