Chase Canada alternatives

Chase Bank is the largest bank in the USA and offers a full range of personal banking products, from chequing and savings accounts to credit cards and mortgages. So if you’re looking to open a bank account, you might be wondering if Chase Bank is in Canada.

Is Chase Bank available in Canada?

Chase Bank does not offer personal banking services in Canada. While it does offer Chase Merchant Services, which provide payment solutions for Canadian businesses, it doesn’t offer products like chequing accounts, savings accounts and credit cards in Canada.

The good news is that there are several banks offering legitimate alternatives to Chase in Canada. Compare these six options.

6 Chase Bank alternatives in Canada

Finder Score	Monthly Account Fee	Free Transactions	e-Transfer Fee
BMO Performance Chequing Account
8.7 Great BMO Performance Chequing Account	8.7 Great	$17.95 (can be waived)	Unlimited	$0	Earn up to a $900 cash bonus. Plus, get a Walmart+ membership for up to 12 months. Valid until November 2, 2026. T&Cs apply.	$175 REWARD Go to siteView details Compare product selection Compare	loading	Why we like it If you're searching for an account that supports unlimited transactions per month, the BMO Performance Chequing Account is worth a look. It's easy to manage your account via online and mobile banking as well as BMO's nationwide branch and ATM network. Access perks like a $900 welcome bonus and a special promotional rate on a savings account. While there's a $17.95 monthly fee, it's waived if you meet the minimum balance requirement. Pros & cons Pros Supports unlimited transactions Includes Interac e-Transfers Earn up to a $900 cash bonus. Plus, get a Walmart+ membership for up to 12 months. Valid until November 2, 2026 $40 credit card fee rebate Cons $17.95 monthly fee The monthly account fee is waived if you maintain a minimum daily balance of at least $4,000. Doesn't pay interest on your balance
Scotiabank Preferred Package
8.6 Great Scotiabank Preferred Package	8.6 Great	$16.95 (can be waived)	Unlimited	$0	Earn up to $1,000 when you bundle a Preferred Package, savings account, and credit card. Valid until October 29, 2026. T&Cs apply.	$100 REWARD Go to siteView details Compare product selection Compare	loading	Why we like it Scotiabank's Preferred Package is an unlimited-transaction account with a $16.95 monthly fee, but the You'll earn the first $700 if you sign up for the Preferred Package and complete one of three specified transactions in the next 60 days.. You get unlimited e-Transfers and can add overdraft protection if you want. Access extra perks like credit card annual fee waivers and one free non-Scotiabank ATM withdrawal per month. You also get user-friendly online and mobile banking platforms along with a large ATM and branch network. Pros & cons Pros Unlimited transactions Unlimited e-Transfers Access perks like preferred rates on GICs and first-year credit card annual fee waivers One free withdrawal per month from a non-Scotiabank ATM Cons $16.95 monthly fee You'll need a balance of or more to waive the monthly fee You can't earn interest on your balance
Simplii No Fee Chequing Account
8.5 Great Simplii No Fee Chequing Account	8.5 Great	$0	Unlimited	$0	Earn $300 when you become a new client and set up a direct deposit of at least $100 for 3 months. Offer ends September 30, 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it This day-to-day chequing account from Simplii supports unlimited transactions with no monthly fee, and you don't have to worry about keeping your balance above a minimum level either. Send e-Transfers and send money around the world using Simplii's Global Money Transfer, and take advantage of fee-free access to CIBC's nationwide network of over 3,400 ATMs. Pros & cons Pros Supports unlimited purchases, withdrawals and bill payments No monthly fee or minimum balance requirement Backed by CIBC Earn $300 when you become a new client and set up a direct deposit of at least $100 for 3 months. Offer ends September 30, 2026 Cons Not available in Quebec Pays a very low interest rate on your balance No physical branches
EQ Bank Personal Account
9.4 Excellent EQ Bank Personal Account	9.4 Excellent	$0	Unlimited	$0	Earn 2.75% interest on your money with qualifying direct deposits of $2,000/month, and 1.00% otherwise. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it The EQ Bank Personal Account is a hybrid account that blends the features of chequing and savings accounts. It provides easy access to your money via online and mobile banking, fee-free ATM withdrawals across Canada, unlimited transactions and no monthly fee or minimum balance requirement. At the same time, it pays up to 1.75% interest on your balance when you have your pay directly deposited into your account. Pros & cons Pros Supports unlimited transactions Fee-free withdrawals at any Canadian ATM No monthly fee Pays up to 1.75% interest Cons Doesn't offer cheques Need to have your pay directly deposited to earn the maximum interest rate No branches
RBC Signature No Limit Banking Account
8 Great RBC Signature No Limit Banking Account	8 Great	$16.95	Unlimited	$0	Open a RBC Signature No Limit Banking Account and get the new Apple iPad (value of $499). T&Cs apply. Valid until November 2, 2026.	Go to siteView details Compare product selection Compare	loading	Why we like it The Signature No Limit Banking Account is RBC's unlimited chequing account for day-to-day transactions. It supports unlimited debits and free Interac e-Transfers, while up to $5,000 overdraft protection is included at no extra charge. There's a free chequebook too, but a $16.95 monthly fee applies—but this fee can be reduced to as low as $5 per month if you sign up for the RBC Value Program. Pros & cons Pros Unlimited transactions Overdraft protection at no extra cost Six free bank drafts per year and one free chequebook Free e-Transfers Cons Monthly fee of up to $16.95 applies Caps on some account perks
Tangerine No-Fee Daily Chequing Account
8.5 Great Tangerine No-Fee Daily Chequing Account	8.5 Great	$0	Unlimited	$0	Earn up to $250 when you open a No-Fee Daily Chequing Account and move your pay. Valid until October 31, 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it This Tangerine chequing account charges zero fees for everyday banking transactions, and there's no need to keep your balance above a certain level. Unlimited transactions are supported, including free e-Transfers, and you get free access to over 3,500 Scotiabank ATMs across the country. Pros & cons Pros Supports unlimited transactions No monthly fee or minimum balance requirement Highly-rated mobile app Free chequebook Cons Only pays minimal interest on your balance No physical branches

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What is Chase Bank?

Chase is the consumer and commercial banking arm of JPMorgan Chase & Co., a global financial services company based in the USA. Headquartered in New York, Chase Bank offers a full range of personal and business banking products and services in the US.

The largest bank in the US, it operates a network of over 4,700 branches and more than 15,000 ATMs.

Where does Chase Bank operate?

Chase Bank operates in the United States, but it also offers personal bank accounts in the United Kingdom. While it previously offered credit cards in Canada, Chase announced that it was leaving the Canadian market in March 2018.

What financial products does Chase Bank offer in the US?

Chase offers all the usual financial products and services you’d expect from a major bank in Canada. Its offerings for US customers include:

• Chequing accounts
• Savings accounts
• Credit cards
• Certificates of deposit
• Auto financing
• Home equity lines of credit
• Mortgages
• Investing
• Business banking services

Can I use my Chase credit card in Canada?

Yes, you can use your Chase credit card in Canada to pay for purchases and withdraw cash from ATMs. Cards on the Visa and Mastercard networks are widely accepted across Canada and around the world. However, you’ll need to consider currency conversion costs and watch out for foreign transaction fees when using your credit card internationally.

Can I get a Chase credit card in Canada?

If you want to apply for a Chase credit card in Canada, we’ve got bad news: Chase Bank no longer offers credit cards in Canada. You’ll need to be a US resident to apply for a credit card from Chase.

Is the Chase Sapphire Preferred or Sapphire Reserve card available in Canada?

No. You’ll need a US address and either a US Social Security Number (SSN) or Individual Tax Identification Number (ITIN) to qualify for a Chase credit card.

Is the Chase Aeroplan card available in Canada?

No. The Chase Aeroplan Card allows users to earn points in Air Canada’s Aeroplan loyalty program, but it’s only available in the USA.

Can I use my Chase debit card in Canada?

Yes. Chase debit cards typically operate on the Visa network, and Visa cards are widely accepted by merchants and ATMs across Canada. However, you’ll need to take into account currency conversion costs and foreign transaction fees when using your debit card internationally.

Chase Merchant Services in Canada

Chase doesn’t offer personal banking in Canada, but it does have a Canadian presence in the form of Chase Payment Solutions, which was formerly known as Chase Merchant Services. It offers Chase POS Canada payment solutions for businesses, including POS terminals for in-person payments, and options for receiving payments online and over the phone.

Is Chase Paymentech available in Canada?

Yes. Chase Paymentech Solutions Inc. is run by J.P. Morgan Payments. It offers electronic payment processing services for businesses and is used at over 110,000 Canadian business locations.

Bottom line

Chase doesn’t offer personal bank accounts in Canada, but there are plenty of Chase Canada alternatives to choose from. Compare accounts from the Big Five as well as online banks before deciding where to open a chequing, savings or hybrid account.

BMO Performance Chequing Account

• Earn up to an $900 bonus
• Exclusive: Get an extra $175 reward from Finder
• Enjoy up to 4.65% promo interest

Go to site

Frequently asked questions about Chase Bank in Canada

• Are there any Chase Bank branches in Canada?

  No, Chase does not have any physical bank branches in Canada.

• Is a Chase credit card available in Canada?

  No, Chase Bank does not offer a credit card in Canada.

• What is the Canada Deposit Insurance Corporation (CDIC)?

  The CDIC is a federal crown corporation that insures savings deposits at its members' financial institutions. This means that eligible deposits you make at CDIC member institutions (such as banks and credit unions) are covered up to $100,000 per insurable category if your financial institution fails.

• Can I transfer money from a US Chase account to a Canadian bank account?

  Yes, you can transfer money from a US Chase account to a Canadian bank account using an international wire transfer. You'll just need the recipient's name, address, Canadian bank account number and the bank's SWIFT/BIC code.

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Written by

Tim Falk

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Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

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