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* Rates are per annum and are subject to change without notice. Interest is calculated on the daily closing balance in a Savings account and paid monthly. See Account Terms and Conditions.
** CDIC limits apply. Canada Deposit Insurance Corporation (CDIC) is a federal Crown corporation that protects your deposits for up to $100,000 per insured category at financial institutions that are CDIC members. Coverage is free and automatic – you don’t have to sign up.
*** Fees are subject to change without notice.
Non-Registered High Interest Savings Account Rates
Earn up to 3.25% on your everyday personal HISA balance - no minimum, no lock-in required
2.85%
Below or equal to $9,999.99
3.00%
$10,000-$25,000
3.25%
Above or equal to $25,000
Why choose our Non-Registered High Interest Savings Account
Higher returns on
higher balances
Daily interest,
paid monthly
Access your
funds anytime
Ideal for savers building
larger cash reserves
Rates effective 2026-10-29
Registered High Interest Savings Accounts.
3.25%
WealthONE Registered Retirement Savings Plan (RRSP)
3.25%
WealthONE Tax-Free Savings Account (TFSA)
Why choose our High Interest Savings Account?
Consistent earnings without
balance thresholds
Freedom to withdraw
(subject to plan rules)
No need to lock in your
funds for a fixed term
Perfect for goal-oriented
savings with built-in flexibility
Invest
Grow your money with a GIC
Protect and grow your money with a Guaranteed Investment Certificate (GIC) and some of the highest interest rates in Canada.
Open an Account
WealthONE ranked #3 in Forbes' Best Online Banks in Canada!
42 Canadian Banks and Credit Unions were researched according to Customer Experience, Fees, Accessibility, Digital Experience, Rates etc., and we are very proud to be recognized among the top 3 Online Banks in Canada.
Savings Calculator
These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only.
Opening an account is easy
Apply online in minutes, fund your account, and start earning interest. Choose how you’d like to open your account.
Bank
WealthONE High Interest Savings Account
Earn high interest daily on every dollar!
Features
- No monthly fees or minimum balance required
- Free unlimited transfers to/from your WealthONE accounts to your linked account
- Eligible for Canada Deposit Insurance Corporation (CDIC) Insurance**
- Added Security of 2-step Verification plus Strong Password
- Can be opened non-registered or for your WealthONE RRSP and TFSA
Legal
2025 Tax Slips Now Available
Your 2025 tax slips are now ready for download. You can access your T5, RRSP Contribution Receipts, and other applicable tax documents through your WealthONE online banking account, click here to log in. If you have opted for mailed copies, they will be sent out shortly. The 1st 60-Day RSP Contribution Tax Slips are now available for download and mailed copies will be sent on March 28, 2026.
If you have any questions, please contact our client service representatives from 9 am to 5 pm EST by calling 1-866-392-1088 or send an email to help@wealthonebank.ca.
2026 TFSA and RRSP Contribution Limit
The 2026 TFSA contribution limit is $7,000.
The 2026 RRSP contribution limit is 18% of the previous year's earned income up to $33,810.
The annual contribution limit can change from year to year. You can make contributions anytime during the year, periodically or as a lump sum. Please always check your room to make sure you don't overcontribute.
Learn more about TFSA and RRSP.
How does WealthONE's tiered HISA work?
The account uses a tiered structure:
• Higher balances qualify for higher interest rates
• Your entire balance continues to earn interest based on the applicable tier(s)
Find full details here: WealthONE Account Agreement | Wealth One Bank of Canada .
Will I earn more interest?
In most cases, yes. The new structure is designed to reward savings growth and offer higher earning
potential.
Can I move my funds into the registered savings account?
Yes. You can transfer funds (subject to contribution rules and eligibility). More details on how to do this will be available soon.
Access Terms and Conditions
Updated Terms & Conditions will take effect July 1, 2026 and can be found here and will be available online before the change.
Who can I contact for more information?
If you have any questions, please contact us at 1-866-392-1088 Monday to Friday, 9am to 5pm (EST) or email
us at help@wealthonebank.ca.
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