‡ The Simplii Financial No Fee Chequing Account $300 offer (the “Offer”) begins on December 18, 2024 at 12:01 am (ET) and ends on March 31, 2026 at 11:59 pm (ET) (the “Offer Period”). The Offer consists of a $300 cash reward (the “Cash Reward”) to qualifying primary account holders for opening and using a new Simplii Financial No Fee Chequing Account (the “New Account”) and complying with the following requirements.
1. Eligibility
This Offer is open only to Canadian residents who: (i) have reached the age of majority in their province of residence and (ii) have not held a Simplii Financial product as the primary account holder on or before June 18, 2024. This Offer can be combined with all other offers unless otherwise indicated. Individuals who meet the foregoing eligibility requirements and otherwise comply with these Terms are referred to as “Eligible Client(s)”.
2. Offer Requirements
To qualify for the Offer and receive the Cash Reward, an Eligible Client must:
i. open a New Account as the primary account holder during the Offer Period. This must be the Eligible Client's first New Account opened as the primary account holder during the Offer Period;
ii. within 120 days from the date the New Account is opened, set up one or more Eligible Recurring Direct Deposits totaling at least $100 of deposits per month into the New Account; and
iii. have such Eligible Recurring Direct Deposit(s) credited to the New Account for at least three (3) consecutive months within the above 120-day time period.
“Eligible Recurring Direct Deposits”: Most automated and recurring direct deposits are eligible. Examples of common recurring direct deposits include: payroll, pension direct deposits, old age security, disability payments, and governmental payroll deposits, such as employment insurance. For further details and to confirm whether an automated and recurring direct deposit qualifies for the Offer, consult with a Simplii Financial representative.
3. Payment of Cash Reward
If an Eligible Client qualifies to receive the Cash Reward, the Cash Reward will be directly deposited to the New Account within three (3) business days of all offer requirements being fulfilled. For example, a qualifying Eligible Client who opened a New Account on January 6, 2025 and completed all required Eligible Recurring Direct Deposits by April 16, 2025 will receive the Cash Reward by April 21, 2025. The New Account must remain active and in good standing at the time the Cash Reward is deposited.
4. Additional Limitations and Conditions
The Cash Reward must be accepted as awarded and is not transferable or assignable. No Cash Reward substitutions will be permitted. Limit of one Cash Reward per Eligible Client no matter how many New Accounts are opened. For joint accounts, only one Cash Reward is available per Account. The recipient of the Cash Reward is solely responsible for any tax consequences associated with their receipt thereof.
The Offer is subject to the terms and conditions of the Simplii Financial Products and Services Agreement. Simplii Financial reserves the right to cancel or change the terms of the Offer at any time without notice, for any reason, and to revoke the Offer from any customer who appears to be manipulating or abusing the Offer, or is engaged in any suspicious/fraudulent activity.
In the event of any discrepancy or inconsistency between the terms and conditions as provided in these Terms and disclosures or other statements contained in any Offer-related materials, including, but not limited to television, print or online advertising, the terms and conditions of these Terms shall prevail, govern and control to the fullest extent permitted by law.
†† The $50 SKIP Gift Card Offer for Simplii No Fee Chequing Account (the “Offer”) begins on September 3, 2025 at 12:01 a.m. Eastern Time (“ET”) and ends on March 31, 2026 at 11:59 p.m. ET (the “Offer Period”). The Offer consists of a $50 digital Skip gift card (the “Reward”) to qualifying primary account holders for opening and using a new Simplii Financial No Fee Chequing Account (the “New Account”) and complying with the following requirements.
1. Eligibility
This Offer is open only to Canadian residents who: (i) have reached the age of majority in their province of residence and (ii) have not held a Simplii Financial product as the primary account holder on or before March 1, 2025. This Offer can be combined with all other offers unless otherwise indicated. Individuals who meet the foregoing eligibility requirements and otherwise comply with these terms are referred to as “Eligible Client(s)”.
2. Offer Requirements
To qualify for the Offer and receive the Reward, an Eligible Client must:
i. open a New Account as the primary account holder during the Offer Period. This must be the Eligible Client's first New Account opened as the primary account holder during the Offer Period. Eligible Client must provide a valid email address at the time of opening the Account;
ii. within 120 days from the date the New Account is opened, set up one or more Eligible Recurring Direct Deposits totaling at least $100 of deposits per month into the New Account; and
iii. have such Eligible Recurring Direct Deposit(s) credited to the New Account for at least three (3) consecutive months within the above 120-day time period.
“Eligible Recurring Direct Deposits”: Most automated and recurring direct deposits are eligible. Examples of common recurring direct deposits include: payroll, pension direct deposits, old age security, disability payments, and governmental payroll deposits, such as employment insurance. For further details and to confirm whether an automated and recurring direct deposit qualifies for the Offer, consult with a Simplii Financial representative.
3. Offer Fulfillment and Conditions
If you qualify to receive the Reward, you will receive a $50 digital Skip gift card to the most recent e-mail address in our records. This will occur no later than the final day of the month following the month in which you fulfill the Offer requirements (e.g. If the Eligible Client receives the third eligible direct deposit in Dec 2025, the Reward will be sent to the Eligible Client by Jan 31, 2026).
We will also post the Reward on the Exclusive Offers page in Simplii Online and Mobile Banking. Eligible Clients are responsible for ensuring the e-mail address in our records is valid and up to date at the time of fulfilment. Simplii is not responsible if a Reward is delivered to an inoperable e-mail address or incorrect but deliverable email address. The Account must remain open, active and in good standing at the time the Reward is sent. The Reward must be accepted as provided and is not transferable or assignable. No cash substitutions will be permitted.
If you do not receive the Reward, you have until March 31, 2026 to tell us that the Reward was not received. If you do not tell us by this time, you will be deemed to have forfeited your right to the Reward and to have not qualified for the Offer. The Account must remain open, active, in good standing and not converted by the Eligible Client for at least one (1) year after the month that the Account was opened.
4. Additional Limitations and Conditions
Limit of one (1) Reward is available per Eligible Client. For joint accounts, only one (1) Reward is available per account. Additional terms apply. Visit Skip gift card terms to learn more Skip gift card terms. Opens a new window..
The Offer is subject to the terms and conditions of the Simplii Financial Products and Services Agreement. Simplii Financial reserves the right to cancel or change the terms of the Offer at any time without notice, for any reason, and to revoke the Offer from any Eligible Client who appears to be manipulating or abusing the Offer, or is engaged in any suspicious/fraudulent activity.
In the event of any discrepancy or inconsistency between the terms and conditions as provided in these terms and disclosures or other statements contained in any Offer-related materials, including but not limited to television, print or online advertising, the terms and conditions of these terms shall prevail, govern and control to the fullest extent permitted by law.
† The Simplii Financial High Interest Savings Account Promotional Interest Rate Offer for New Simplii Clients (the “HISA Offer”) is available starting on February 1, 2026 at 12:00 AM UTC and ending on April 30, 2026 at 11:59 pm UTC (the “Offer Period”). The following terms and conditions (“Terms”) explain in detail how you can earn a special annual interest rate of 4.50% for 153 days on your first Simplii Financial High Interest Savings Account (“HISA”). To accept this offer, you must open an Eligible HISA during the Offer Period and make a deposit to your Eligible HISA during the Promotional Rate Period (as such capitalized terms are defined in these Terms).
1. Promotional Rate Period
If you meet the eligibility criteria and other conditions described in these Terms, the balance of your Eligible HISA (up to $100,000) will earn Promotional Interest (defined below) for 153 days (which is about 5 months) from the date the HISA was opened (the "Promotional Rate Period").
2. Eligibility
To be eligible for this HISA Offer, you must:
• Be a new client with no prior relationship with Simplii Financial (a “New Simplii Client”). To become a SimpliiFinancial client, you must apply and be approved for a Simplii Financial product. When you apply for yourfirst Simplii Financial product, we will create a unique client identification number for you (your “ClientNumber”); and
• Open a HISA for the first time as the primary accountholder during the Offer Period and within 60 days afteryour Client Number was created (“Eligible HISA”).
If you qualify, your Eligible HISA will earn Promotional Interest during the Promotional Rate Period (subject to certain restrictions as outlined in Section 4 below). Only your first Eligible HISA will qualify for Promotional Interest under this HISA Offer (no matter how many HISAs you open). For joint HISAs, the HISA may be eligible to earn Promotional Interest if the primary account holder is a New Simplii Client and meets all of the terms and conditions set out in these Terms.
3. How interest is calculated and paid
The special annual interest rate of 4.50% is a combination of the regular annual interest rate set by Simplii Financial payable on a HISA balance (“Regular Interest”), plus the promotional annual interest rate (“Promotional Interest”).
Interest on an Eligible HISA is calculated as follows:
• Regular Interest is calculated at the current rate applicable to the Eligible HISA account balance on each day’s full closing balance;
• Promotional Interest is calculated on each day's full closing balance up to a balance limit of $100,000 during the Promotional Rate Period
Regular Interest and Promotional Interest are calculated daily and paid monthly. Promotional Interest is paid within the first two business days following the month in which it was calculated. Promotional Interest will only be paid if the Eligible HISA is active and in good standing at the time of payment. If it is not, payment of Promotional Interest will be forfeited for that month.
Regular and Promotional Interest rates may change at any time without prior notice. For current regular rates, visit our rates page. Any change to the Regular Interest rate (or the applicable interest rate tier) will result in a corresponding change to the Promotional Interest rate so that the special annual interest rate will remain constant for the Promotional Rate Period.
At the end of the Promotional Rate Period, all balances will earn interest only at the Regular Interest rate.
4. Restrictions
Additional terms, conditions, and limitations apply to the opening of and making deposits into Eligible HISAs. Individuals must meet the criteria set by Simplii Financial to open or hold an Eligible HISA to qualify for the HISA Offer. Ask for details.
The HISA Offer is non-transferable and cannot be combined with any other promotional savings offers unless otherwise indicated. Promotional Interest cannot be substituted or transferred to a third party. Simplii Financial reserves the right to cancel or change the terms of the HISA Offer at any time, for any reason, without notice and revoke the HISA Offer for any customer who appears to be manipulating or abusing the HISA Offer, or is engaged in any suspicious/fraudulent activity. The terms and conditions of the Simplii Financial Products and Services Agreement continue to apply to all Eligible HISAs.
◊ This offer applies to the Simplii Financial Cash Back Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning February 2, 2026.
This 20% cash back offer (applies an incremental 18.5% cashback to the 1.5% cash back already awarded) on eligible gas, groceries, drugstore purchases and pre-authorized payments and is available to new cardholders who apply and are approved for the Simplii Financial Cash Back Visa* Card beginning February 2, 2026. The 18.5% incremental cash back applies on eligible gas, groceries, drugstore purchases and pre-authorized payments made during your first 3 monthly statement periods beginning from your account open date or $500 in total gas, groceries, drugstore purchases and recurring transactions (up to $92.50 bonus cash back), whichever comes first. This offer will not result in any changes to the 1.5% cash back already earned on eligible gas, groceries, drugstore purchases and pre-authorized payments and those purchases will be included within the $15,000 annual spend limit that earns 1.5% cash back.
This offer may be withdrawn or changed without prior notice at any time. Simplii Financial may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity. Simplii Financial may approve your application, but you are not eligible to receive this offer if you have opened or cancelled a Simplii Financial Cash Back Visa Card within the last 12 months.
Cash back is earned on net card purchases (purchases less returns) when your account is open and in good standing and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Cash back is calculated as follows: Earn 4% on the first $5,000 in net annual card purchases on restaurant, bar and coffee shop purchases, which currently include merchants classified as Eating Places and Restaurants; Drinking Places (Alcoholic Beverages): Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques; Fast Food Restaurants; or Caterers. Earn 1.5% on the first $15,000 in net annual card purchases on gas, grocery and drugstore purchases and pre-authorized payments. Gas, grocery and drugstore purchases currently include merchants classified as Service Stations (with or without Ancillary Services); Automated Fuel Dispensers; Grocery Stores and Supermarkets; Drugs, Drug Proprietaries, and Druggist's Sundries; or Drugstores and Pharmacies. Pre-authorized payments are payments made on a monthly or other regular basis, which are automatically billed by the merchant to your Account. Earn 0.5% on all other net annual card purchases, including those in the categories above when the $5,000 and $15,000 limits are exceeded. If a transaction could fit under more than one cash back category, you will be awarded the cash back of the higher category, subject to the $5,000 and $15,000 limits. Merchants are classified by the credit card network and the network may change the names of classifications or change the classification of merchants at any time. Simplii Financial is not responsible for merchant classification. The $5,000 and $15,000 limits will reset to zero after the day your December statement is issued. Your cash back is applied as an annual credit on the primary cardholder’s January statement. Changes to terms, conditions and eligible merchant categories may occur at any time without notice. We may cancel the cash back program on 60 days’ notice. Credit for returns made on your Account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.
"Purchase" means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. "Cash" means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.
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