From November 1, 2026, Tiered charges 11.2 cents a kWh for the first 1,000 kWh in winter, which beats a typical Time-of-Use pattern. Ultra-Low Overnight only ...

An 84-month car loan lowers your payment but can cost thousands more in interest and keep you owing more than the car is worth for years. Here is the math on ...

If an Interac e-Transfer sent to the wrong person has not been deposited, you can usually cancel it, sometimes for a small fee. Autodeposit transfers cannot be ...

Most store gift cards in Canada cannot expire or carry inactivity fees, but mall cards can lose up to $2.50 a month after a fee-free period. Here are the rules ...

Breaking a closed fixed mortgage usually costs the higher of three months' interest or the interest rate differential. Here is how lenders calculate both, why ...

One missed credit card payment costs you the interest-free grace period and can reach your credit report. A second miss within 12 months raises the rate to ...

Many Canadian credit cards add 2.5% to foreign currency purchases, or $25 per $1,000. A $150 no-FX card breaks even at $6,000 a year of foreign spending, and a ...

Since March 12, 2026, a federally regulated bank can charge no more than $10 when a cheque or pre-authorized debit bounces, and only once every two business ...

Paying car insurance monthly in Ontario costs at most 1.3% of a 12-month premium, or $28.83 on the June 2026 average of $2,218. ICBC's plan is 3.45% plus a $15 ...

A credit card cash advance has no grace period, a higher rate and a fee every time. Here is what one costs at TD, RBC, Scotiabank and BMO, with the fee and ...

CDIC insures eligible deposits up to $100,000 per category at each member institution, interest included. Here are the nine categories, what is not covered, ...

A cash back card's annual fee pays off when the extra cash back beats the fee. Using CIBC's $0, $99 and $120 Dividend cards, the $120 card wins at about $709 a ...