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4.25%
High-interest savings (APY)
4.59%
5-year fixed mortgage
$0
Monthly chequing fee
24/7
Canadian-based support
Advisor shaking hands with a client
12+ yrsserving Canadians

A Canadian bank built around people, not paperwork

Regular Point Credits was founded in Canada to make banking simpler and fairer. Today we serve more than 1.2 million Canadians and thousands of small businesses with honest advice and modern tools.

  • Eligible deposits insured up to $100,000
  • Regulated under Canadian federal standards
  • Advisors in every province and territory
Learn more about us

What we stand for

Every product we build starts with two commitments.

Our mission

To give every Canadian clear, affordable and secure financial tools, so they can save with confidence, borrow responsibly and build lasting wealth.

Our vision

A Canada where financial well-being is within reach for every household and business, in every community, coast to coast to coast.

Services for every stage of life

From your first chequing account to retirement planning, choose what you need.

Chequing & Savings

No-fee accounts with free Interac e-Transfer and high-interest savings.

View accounts

Mortgages

Fixed, variable and renewal options, with first-time buyer support.

Check rates

Credit Cards

Earn cash back and travel points with cards that have no hidden fees.

Compare cards

TFSA, RRSP & Investing

Registered accounts, GICs and managed portfolios built for your goals.

Start investing

Personal Loans

Flexible loans and lines of credit with clear terms and quick decisions.

Apply now

Business Banking

Accounts, financing, payroll and merchant services for Canadian businesses.

Grow your business

See what your mortgage could cost

Move the sliders for an instant monthly estimate. Uses Canadian semi-annual compounding.

Estimated monthly payment
Mortgage amount
Total interest
Get pre-approved Estimate only. Excludes property tax and CMHC insurance.

Why Canadians choose Regular Point Credits

Bank-grade security

Multi-factor sign-in, encryption and real-time fraud alerts protect every account.

Award-winning mobile app

Deposit cheques, pay bills and send money from your phone in seconds.

Fair, transparent pricing

Clear fees and competitive rates, explained in plain language.

Real people, around the clock

Reach a Canadian-based advisor any time by phone, chat or in branch.

Financial analytics dashboard on a screen

Open an account in four simple steps

Share your details

Provide your name, SIN and address.

Verify your ID

Snap a photo of your government ID.

Fund your account

Transfer money from another bank.

Start banking

Use your account right away.

Your whole bank, in your pocket

Manage money, track spending and lock your card in a tap with the Regular Point Credits app.

Face & fingerprint sign-inInstant alertsSpending insightsFreeze card instantlyApple & Google Pay
Download on theApp Store Get it onGoogle Play
Person paying with a phone and card
1.2M+
Customers
180
Branches nationwide
$48B
Assets under care
13
Provinces & territories served

Heard from our customers

“Regular Point Credits made buying our first home in Calgary feel manageable. Our advisor answered every question.”

Sarah M.
Calgary, AB

“Our bakery got a business loan in days, not weeks. The online tools save me hours every month.”

David L.
Toronto, ON

“I opened a TFSA from my phone in ten minutes. Clear fees and no surprises. I moved all my banking over.”

Amélie T.
Montréal, QC

Money tips from our advisors

Short, practical reads on saving, borrowing and investing in Canada.

Canadian dollar bills
Saving

TFSA or RRSP: which should you fill first?

A quick guide to contribution room, tax savings and your goals.

Read article
Reviewing mortgage documents
Mortgages

First-time buyer? Know these 5 programs

From the First Home Savings Account to the Home Buyers' Plan.

Read article
Business owners in a meeting
Business

How to build business credit early

Simple habits that help your company qualify for better financing.

Read article

Frequently asked questions

Yes. Eligible deposits are protected by CDIC up to $100,000 per insured category.

Yes. With a valid passport and proof of status, such as a work or study permit, you can open an account and even start building credit.

Most transfers arrive within minutes once the recipient accepts, or instantly with Autodeposit.

Freeze it instantly in the app, then call us at 1-800-555-0123. We'll send a replacement.

Ready to bank with Regular Point Credits?

Open an account online in about five minutes. All you need is your SIN and a piece of government ID.

Open an account

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