{"id":825771,"date":"2019-07-31T16:05:49","date_gmt":"2019-07-31T20:05:49","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=825771"},"modified":"2026-04-20T09:23:51","modified_gmt":"2026-04-20T13:23:51","slug":"best-money-saving-app","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/digital-banking\/best-money-saving-app","title":{"rendered":"The best money-saving apps in Canada"},"content":{"rendered":"<p>Money-saving apps make it easy for you to pinch your pennies. They offer a range of tools to take the hard work out of setting savings goals, managing your spending and putting money aside. So if you find the right money-saving app for your needs, you can grow a bigger bank balance with minimal effort. In this guide, we\u2019ll take a closer look at 28 of the best money-saving apps Canada has, so you can decide which ones to download.<\/p><p><img decoding=\"async\" class=\" wp-image-1041651 aligncenter\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/money-cash-icon_Finder_500x500.png\" alt=\"money icon\" width=\"140\" height=\"140\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/money-cash-icon_Finder_500x500.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/money-cash-icon_Finder_500x500.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/money-cash-icon_Finder_500x500.png?fit=420 420w\" sizes=\"(max-width: 420px) 100vw, 420px\" loading=\"lazy\"><\/p><h3>14 best money-saving apps with cashback in Canada<\/h3><div><\/div><h4>EQ Bank Personal Account<\/h4><p>The EQ Bank Personal Account is a hybrid chequing and high-interest savings account. It combines the everyday functionality of a chequing account with the benefits of a <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/best-high-interest-savings-accounts\">high-interest savings account<\/a>, all without monthly fees. Earn 1% interest on every dollar, or set up direct deposit of your pay to boost your interest rate to 2.75%.<\/p><div class=\"rewards--element-container rewards--container\" data-product-id=\"bffd0c48-dbf8-4ec5-aedf-a9eeb532406b\" data-product-name=\"EQ Bank Personal Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"EQ Bank\" data-rewards-campaign-name=\"\">\r\n\r\n<style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n.uk-hero-rates h3 { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n  \/* 1. Centers the button container and its text\/button *\/\r\n.applylinks {\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: center;\r\n    justify-content: center;\r\n    text-align: center;\r\n}\r\n\r\n\/* 2. Ensures the button doesn't stretch and has equal margins *\/\r\n.applylinks .luna-button {\r\n    margin-left: auto;\r\n    margin-right: auto;\r\n    display: inline-block;\r\n    width: fit-content;\r\n}\r\n<\/style>\r\n\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\"><\/span>\r\n<a class=\"disclaimer_popup\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n  <span class=\"disclaimer_popup--text\" style=\"font-size: inherit;\">Promoted<\/span>\r\n  <svg class=\"luna-icon luna-icon--small luna-icon--primary\" aria-hidden=\"true\">\r\n    <use xlink:href=\"#info\"><\/use>\r\n  <\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/eqbank-personal-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22offer_id%22%3A%2222475%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22825771%22%2C%22post_path%22%3A%22digital-banking%252Fbest-money-saving-app%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg\" alt=\"EQ Bank Personal Account\" class=\"has-margin-bottom-xsmall has-padding-xxxsmall no-padding-top has-margin-top-xsmall\" style=\"width: 250px; min-width: 200px; max-height: 250px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<h3 class=\"has-margin-bottom-xsmall\" style=\"font-weight: 400;\">EQ Bank Personal Account <\/h3>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n<li>0.5% cashback on your purchases<\/li>\r\n<li>No monthly fee<\/li>\r\n<li>Earn 2.75% interest on your money with qualifying direct deposits of $2,000\/month, and 1.00% otherwise.<\/li>\r\n\r\n\r\n<\/ul>\r\n\r\n \r\n\r\n<\/div> \r\n  \r\n  <div class=\"applylinks u-grid__col u-1\/4@s\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/eqbank-personal-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22offer_id%22%3A%2222475%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22825771%22%2C%22post_path%22%3A%22digital-banking%252Fbest-money-saving-app%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button rewards--cta\">Go to site<\/a>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article>\r\n  <\/div>\r\n\r\n<h4>Neo<\/h4><p>Neo Financial offers a chequing account with easy, unlimited access to your funds, along with cashback perks on spending. With the Neo Chequing Account, you can earn 2% cashback on gas and groceries and 0.5% on other purchases (when you have $3,000 in your Chequing account). There\u2019s no limit on the cashback you can earn and no monthly fees to worry about. Even better, managing your account is a breeze with the Neo Financial app.<\/p><div class=\"rewards--element-container rewards--container\" data-product-id=\"cd151500-7857-4d32-a3da-4a16e57cad92\" data-product-name=\"Neo Chequing Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"Neo Financial\" data-rewards-campaign-name=\"\">\r\n\r\n<style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n.uk-hero-rates h3 { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n  \/* 1. Centers the button container and its text\/button *\/\r\n.applylinks {\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: center;\r\n    justify-content: center;\r\n    text-align: center;\r\n}\r\n\r\n\/* 2. Ensures the button doesn't stretch and has equal margins *\/\r\n.applylinks .luna-button {\r\n    margin-left: auto;\r\n    margin-right: auto;\r\n    display: inline-block;\r\n    width: fit-content;\r\n}\r\n<\/style>\r\n\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\"><\/span>\r\n<a class=\"disclaimer_popup\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n  <span class=\"disclaimer_popup--text\" style=\"font-size: inherit;\">Promoted<\/span>\r\n  <svg class=\"luna-icon luna-icon--small luna-icon--primary\" aria-hidden=\"true\">\r\n    <use xlink:href=\"#info\"><\/use>\r\n  <\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/neo-everyday-account-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22cd151500-7857-4d32-a3da-4a16e57cad92%22%2C%22product_name%22%3A%22Neo%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2223458%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22825771%22%2C%22post_path%22%3A%22digital-banking%252Fbest-money-saving-app%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/63ff53b675a44.png\" alt=\"Neo Chequing Account\" class=\"has-margin-bottom-xsmall has-padding-xxxsmall no-padding-top has-margin-top-xsmall\" style=\"width: 250px; min-width: 200px; max-height: 250px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63ff53b675a44.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/63ff53b675a44.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/63ff53b675a44.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/63ff53b675a44.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<h3 class=\"has-margin-bottom-xsmall\" style=\"font-weight: 400;\">Neo Chequing Account <\/h3>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n<li>Earn 2% on gas and groceries and 0.5% on all other spending when you have $3,000 in your account.<\/li>\r\n<li>$0 monthly fee<\/li>\r\n<li>unlimited transactions<\/li>\r\n\r\n\r\n<\/ul>\r\n\r\n \r\n\r\n<\/div> \r\n  \r\n  <div class=\"applylinks u-grid__col u-1\/4@s\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/neo-everyday-account-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22cd151500-7857-4d32-a3da-4a16e57cad92%22%2C%22product_name%22%3A%22Neo%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2223458%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22825771%22%2C%22post_path%22%3A%22digital-banking%252Fbest-money-saving-app%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button rewards--cta\">Go to site<\/a>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article>\r\n  <\/div>\r\n\r\n<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/neo-financial\" style=\"text-decoration:underline; font-size:0.9em;\">Neo Financial Review<\/a>\n<\/div>\n<\/article><h4>KOHO<\/h4><p>KOHO, a loan fintech and savings app, offers a range of accounts that come with a linked reloadable prepaid Mastercard. Depending on the account you choose, you can earn up to 2% cash back on groceries, transportation, eating and drinking purchases plus 0.5% cash back on all other spending. There are three account options with monthly plan fees costing from $0 to $22. You can earn between 2% and 3.5% interest on your balance, too, and you get a virtual and a physical card to pay for all your purchases.<\/p><div class=\"rewards--element-container rewards--container\" data-product-id=\"8b673ad6-e24d-485b-bb40-180f76e2c206\" data-product-name=\"KOHO Essential Plan\" data-niche=\"Savings Accounts\" data-provider-name=\"KOHO\" data-rewards-campaign-name=\"\">\r\n\r\n<style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n.uk-hero-rates h3 { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n  \/* 1. Centers the button container and its text\/button *\/\r\n.applylinks {\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: center;\r\n    justify-content: center;\r\n    text-align: center;\r\n}\r\n\r\n\/* 2. Ensures the button doesn't stretch and has equal margins *\/\r\n.applylinks .luna-button {\r\n    margin-left: auto;\r\n    margin-right: auto;\r\n    display: inline-block;\r\n    width: fit-content;\r\n}\r\n<\/style>\r\n\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\"><\/span>\r\n<a class=\"disclaimer_popup\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n  <span class=\"disclaimer_popup--text\" style=\"font-size: inherit;\">Promoted<\/span>\r\n  <svg class=\"luna-icon luna-icon--small luna-icon--primary\" aria-hidden=\"true\">\r\n    <use xlink:href=\"#info\"><\/use>\r\n  <\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/ca\/savings-accounts\/koho-essential-plan-ca-savings-account-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%228b673ad6-e24d-485b-bb40-180f76e2c206%22%2C%22product_name%22%3A%22KOHO%2BEssential%2BPlan%22%2C%22offer_id%22%3A%2222099%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.HERO_CA_COMPACT_CONTENT%22%2C%22niche_code%22%3A%22CAFSA%22%2C%22post_id%22%3A%22825771%22%2C%22post_path%22%3A%22digital-banking%252Fbest-money-saving-app%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"nofollow\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/671030f92318e.png\" alt=\"KOHO Essential Plan\" class=\"has-margin-bottom-xsmall has-padding-xxxsmall no-padding-top has-margin-top-xsmall\" style=\"width: 250px; min-width: 200px; max-height: 250px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/671030f92318e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/671030f92318e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/671030f92318e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/671030f92318e.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<h3 class=\"has-margin-bottom-xsmall\" style=\"font-weight: 400;\">KOHO Essential Plan <\/h3>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n<li>1% cash back on all grocery, transportation, eating and drinking purchases<\/li>\r\n<li>$4 per month<\/li>\r\n<li>Pay a higher monthly fee to earn a higher cashback rate<\/li>\r\n\r\n\r\n<\/ul>\r\n\r\n \r\n\r\n<\/div> \r\n  \r\n  <\/div>\r\n\r\n<\/div>\r\n<\/article><\/div>\r\n\r\n\r\n  \r\n\r\n<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/koho\" style=\"text-decoration:underline; font-size:0.9em;\">Koho Review<\/a>\n<\/div>\n<\/article><h4>GeniusCash<\/h4><p>GeniusCash is a Canadian rewards app that lets users earn money by connecting their credit cards, completing educational \u201cquests\u201d and levelling up. GeniusCash tracks your spending and rewards you with 0.1% to 1% cashback on eligible purchases. Once you\u2019ve accumulated enough cash, you can withdraw it directly to your bank or PayPal account.<\/p><h4>BeFrugal<\/h4><p>BeFrugal offers users up to 40% cashback when shopping at over 5,000 online stores, like Amazon and The Home Depot. Use the BeFrugal site, app or browser extension to shop and withdraw your earnings via PayPal, Interac e-transfer or gift card with no minimum balance necessary. And, if you find a higher cash-back rate elsewhere, BeFrugal will match it 125%.<\/p><h4>Ampli<\/h4><p>Ampli is an app from Avion Rewards, and it\u2019s worth checking out if you\u2019re searching for apps to make money in Canada. You earn up to 40% cashback when you shop at over 2,400 retailers, including brands like WestJet, Sephora, Adidas and Boston Pizza. Your rewards are added to your account within five business days. Once your balance reaches $15, it\u2019s quick and easy to cash out via Interac e-transfer.<\/p><h4>Swagbucks<\/h4><p>Swagbucks rewards you with points when you shop online, complete surveys, browse the web and take advantage of shopping deals. You can then redeem those points for cashback from PayPal or for gift cards at retailers like Walmart and Amazon. The app has decent user ratings and has been downloaded millions of times.<\/p><h4>Rakuten<\/h4><p>Rakuten, formerly known as Ebates, is a popular app, website and browser extension. It\u2019s quick and easy to sign up, and you can then get cashback when you shop at over 3,500 stores. You can cash out via cheque or PayPal. You can also access coupons through the app to help you save even more money, which is why this is one of the best shopping apps in Canada.<\/p><h4>PayPal Honey<\/h4><p>PayPal Honey is a mobile app and browser extension that can help you find coupons on over 30,000 online shopping sites in Canada and around the world. Simply do your online shopping, and Honey finds the coupon code with the biggest savings and automatically applies it to your cart. It takes the hard work out of hunting for promo codes, so it\u2019s easy to see why this is one of the best money-saving apps.<\/p><h4>Drop<\/h4><p>Drop is a free rewards app where you can earn Drop Points when you shop at a host of major brands. After you download the app, link your debit or credit card and start shopping. You can cash in your points for gift cards and other rewards, plus take advantage of special offers to earn extra points.<\/p><h4>Paymi<\/h4><p>Next on our list of the best money-saving apps Canada has is Paymi, which aims to make rewards easy. You can earn cashback rewards in-store and online when you make everyday purchases at partner retailers, plus access special offers and discounts. Track your earnings through the app and withdraw your cash whenever you want via Interac e-transfer.<\/p><h4>Save.ca<\/h4><p>The Save.ca app helps you find and compare the best shopping offers and discounts near you. You can check out the latest deals, plus enjoy extra savings with coupons. You can also put together a shopping list to make sure you fill your cart with all the essentials you need. Finally, you can keep all your loyalty cards in the app, ensuring you can earn maximum rewards on every shop.<\/p><h4>Mr. Rebates<\/h4><p>Mr. Rebates is another free money-saving app that connects you with cashback rewards at over 3,000 stores. It makes it easy to search for deals and special offers, plus access coupons for additional savings. When you\u2019re ready to cash out, you can do so via cheque, PayPal or Amazon gift card as long as you have at least $10 in available rebates.<\/p><h4>Shopper Army<\/h4><p>If you like trying new products and earning rebates, Shopper Army is the perfect platform for you. After signing up, you can apply for \u201cmissions\u201d \u2014 opportunities to test full-sized products or complete tasks. If selected, you\u2019ll receive the product (either shipped or via rebate). Then, you\u2019ll have to write a review or share the product on social media to receive rewards, which can include cashback or gift cards.<\/p><h4>Moka<\/h4><p>If you\u2019re searching for a round-up app like Acorns to help you save without lifting a finger, check out Moka. Whenever you make a purchase, Moka rounds up the amount to the nearest dollar. The change is then invested in an ETF portfolio chosen based on your risk tolerance and financial goals. It\u2019s easy to use and you might be surprised just how quickly the rounding-up strategy will help your investment balance grow. If you\u2019re wondering <a href=\"https:\/\/www.finder.com\/ca\/banking\/how-to-save-money-in-canada\">how to save money<\/a> and don\u2019t know where to start, Moka is well worth a look. It\u2019s one of the easiest money apps in Canada to get started with, especially for beginner investors.<\/p><p><img decoding=\"async\" class=\" wp-image-1041658 aligncenter\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/shopping-bag-icon_Finder_500x500.png\" alt=\"shopping bag icon\" width=\"140\" height=\"140\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/shopping-bag-icon_Finder_500x500.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/shopping-bag-icon_Finder_500x500.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/shopping-bag-icon_Finder_500x500.png?fit=420 420w\" sizes=\"(max-width: 420px) 100vw, 420px\" loading=\"lazy\"><\/p><h3>10 best money-saving apps to save on groceries and gas<\/h3><div><\/div><h4>GasBuddy<\/h4><p>With the rising cost of living, paying for essential purchases like gas is becoming increasingly expensive. That\u2019s where a money-saving app like GasBuddy can help. This app helps you track down cheap gas prices, saving you the hassle of driving around searching for the best price. It\u2019s easy to search for the type of fuel you want, while in-app driving analysis can provide tips on how to be a more fuel-efficient driver.<\/p><h4>Caddle<\/h4><p>Rising prices have seen the cost of a weekly grocery shop skyrocket in recent times, so a money-saving app like Caddle makes a handy addition to any smartphone. This free app lets you earn cashback on your everyday purchases. You can also get rewarded for answering surveys, watching ads and writing reviews. Once your cashback balance reaches $20, you can request an Interac e-transfer and be rewarded for your spending.<\/p><h4>Checkout 51<\/h4><p>Checkout 51 is one of the best shopping apps in Canada. Promising to offer savings on the brands you love, Checkout 51 offers cashback on gas (United States members only) and groceries. Simply download the app and view the latest offers you can get when you buy specific products. You then upload photos of your receipts to provide proof of purchase, and the cashback is paid into your account. And when your balance reaches $20, you can cash out and receive a cheque at any time.<\/p><h4>FlashFood<\/h4><p>FlashFood is a money-saving app that offers easy access to discounts on meat, fruit, vegetables and other fresh food items that are nearing their expiration date. Simply open the app to browse deals available at grocery stores near you, with discounts of up to 50%. Choose a deal, pay for it in the app, then head to the store to pick up your order. Not only do you get to save money, but you also stop fresh food from going to waste.<\/p><h4>MyPoints<\/h4><p>MyPoints is a rewards app that lets you earn points you can redeem for gift cards. You earn points when you buy groceries and shop online, plus are rewarded for completing surveys and playing games. The app also offers access to sales, coupons and promo codes at thousands of retailers. You can then redeem your points for gift cards at retailers like eBay, Walmart and many more.<\/p><h4>Great Canadian Rebates<\/h4><p>Great Canadian Rebates is a cash-back website and app that gives you access to discounts and cash-back offers from hundreds of merchants. It\u2019s easy to browse the latest coupons and offers in the app, then make your purchases and get cashback paid directly into your account. You need to maintain a minimum balance of $10 for over 58 days to receive an e-gift card when you cash out, or $12 to receive a direct deposit or PayPal payment.<\/p><h4>RebatesMe<\/h4><p>RebatesMe is another great money-saving app for grocery shopping. It provides easy access to up to 40% cashback when you shop online at over 4,000 partner stores. You can use the app to browse the latest deals and check out exclusive offers for new members, then shop for a host of great bargains. When you reach $10 in earnings, you can cash out via PayPal, Visa, Mastercard or gift card.<\/p><h4>Flipp<\/h4><p>Formerly known as ReeBee, Flipp lets you save money when you shop at over 2,000 stores. Its online shopping app brings you the latest deals and coupons from retailers near you. Shop across categories including groceries, home &amp; garden, pharmacy and more. You can also add your loyalty cards directly to the app and sync shopping lists across your devices, making it even easier to save money on your everyday purchases.<\/p><h4>PC Optimum<\/h4><p>PC Optimum is a customer loyalty program that offers rewards tailored to your shopping needs. It lets you earn points when you buy food and make other regular purchases, and it has partnerships with stores like Shoppers Drug Mart and Pharmaprix, as well as Esso and Mobil gas stations. You can also access personalized offers through the app, ensuring you\u2019re rewarded for the type of spending you want to do.<\/p><p>For even more ways to earn, you can <a href=\"https:\/\/www.finder.com\/ca\/banking\/pc-money-account-review\">link a PC Money Account<\/a> \u2014 a no-fee online banking account that gives you PC Optimum points for everyday purchases \u2014 or apply for one of two PC Financial Mastercards. These credit cards let you earn accelerated points when you shop at participating stores, making it easier to collect rewards faster.<\/p><h4>TopCashBack<\/h4><p>TopCashBack is a money-saving app that offers cashback on your everyday spending. You earn rewards when you shop at thousands of retailers, including Best Buy, Walmart Canada and Staples Canada. Transfer your cashback to your bank or PayPal account, or redeem it for a gift card. The app is easy to use and highly rated by users, so it\u2019s one of the best shopping apps in Canada.<\/p><p><img decoding=\"async\" class=\" wp-image-1041637 aligncenter\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/airplane-icon_Finder_500x500.png\" alt=\"airplane icon\" width=\"140\" height=\"140\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/airplane-icon_Finder_500x500.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/airplane-icon_Finder_500x500.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2018\/05\/airplane-icon_Finder_500x500.png?fit=420 420w\" sizes=\"(max-width: 420px) 100vw, 420px\" loading=\"lazy\"><\/p><h3>3 best money-saving apps for travel<\/h3><div><\/div><h4>Agoda<\/h4><p>Agoda is well known for its accommodation, flights and travel deals. But did you know that you can also find deals on the Agoda mobile app that aren\u2019t listed on the website? Savings of up to 80% are available from a host of special deals. You can also search flights from over 200 airlines and find accommodation options at more than two million venues worldwide. That\u2019s why it\u2019s one of the best apps to save money on travel.<\/p><h4>Hopper<\/h4><p>Hopper is a mobile travel app where you can find exclusive deals on popular hotels. This free app has special offers on flights, hotels, rental cars and more, and it\u2019s easy to browse the latest offers from your phone. Every time you book, you can also earn Carrot Cash with Hopper\u2019s rewards and discounts program, helping you save even more money on your travel expenses.<\/p><h4>AwardWallet<\/h4><p>If you\u2019re having trouble keeping track of all the different rewards programs you\u2019re a member of, AwardWallet can help. This handy app lets you keep track of all your frequent flyer miles, dining rewards, hotel loyalty points and more, all in one place. It supports over 660 loyalty programs in total, while extra features like credit card spending analysis and management of your travel reservations are an added bonus.<\/p><h3>Tips to save money with the apps in Canada<\/h3><p>Here are some tips to help you save even more with various apps in Canada:<\/p><ol><li><strong>Use multiple money-saving apps.<\/strong> Don\u2019t limit yourself to one app when you can use multiple to maximize your saving and earning opportunities across different retailers.<\/li><li><strong>Enable app notifications.<\/strong> When you download a new money-saving or cash-back app, be sure to enable notifications so you can stay updated on new deals and coupons.<\/li><li><strong>Install browser extensions.<\/strong> Some platforms, like Honey and Rakuten, have browser extensions you can use to automatically apply coupons and earn cashback when you\u2019re shopping online, ensuring you never miss a deal.<\/li><li><strong>Combine cashback with credit card rewards.<\/strong> Use a cash-back or rewards credit card alongside cash-back apps for double savings.<\/li><li><strong>Refer friends for extra bonuses.<\/strong> Many money-saving and cash-back apps offer referral bonuses so you and your loved ones can earn even more.<\/li><\/ol><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/make-money-online\/cashback-methods\" style=\"text-decoration:underline; font-size:0.9em;\">Cashback Methods to Stack &amp; Maximize Rewards<\/a>\n<\/div>\n<\/article><h3>Why you should use a money-saving app<\/h3><p>There are lots of good reasons why you should use a money-saving app to make your money go further:<\/p><ul><li><strong>Automate your savings.<\/strong> Whether you choose an app that rounds up your spare change or set up a direct deposit to your savings account, money-saving apps take the hassle out of putting money aside.<\/li><li><strong>Take advantage of discounts.<\/strong> From sales and coupon codes to discounts on everyday and special purchases, money-saving apps can help you pay less for the purchases you want to make.<\/li><li><strong>Get cashback.<\/strong> There are myriad <a href=\"https:\/\/www.finder.com\/ca\/make-money-online\/cashback-sites-canada\">cashback apps and websites in Canada<\/a> that reward you for your spending. If you use them when you make essential purchases, you can earn money back simply by shopping as you normally would.<\/li><li><strong>Save money.<\/strong> No matter whether you\u2019re a billionaire or just starting your savings journey, saving money is a major win. With the best apps to save money, you\u2019re a step closer to achieving your financial goals \u2014 no matter whether that means attaining a higher level of financial security for your family or having some extra money set aside for when you feel like treating yourself.<\/li><\/ul><h3>How to use money-saving apps<\/h3><p>The best money-saving apps are easy to use, offering user-friendly interfaces to help streamline your spending and saving. To get started, head to the app store for your phone, search for the app you want, download and install it.<\/p><p>The next step is to create an account by providing some personal information. Depending on the app, you may also need to link it to your debit\/credit card or bank account.<br>Then you can start spending and saving while you let the money-saving app do its thing, which could be:<\/p><ul><li>Investing your spare change<\/li><li>Paying cashback when you shop at partner retailers<\/li><li>Providing access to coupons, discounts and deals<\/li><li>Offering spending analysis and budgeting tips<\/li><\/ul><h3>Why is saving money important?<\/h3><p>Money can\u2019t buy you happiness, but it can sure make a lot of things a whole lot easier. As the cost of living continues to rise, anything you can do to make every dollar stretch that little bit further can make a big difference.<\/p><p>It means you\u2019ll have more money in your pocket to pay for the things you and your family need, as well as the things you want \u2014 like that tropical vacation you\u2019ve been dreaming of.<\/p><p>Whether you\u2019re saving money on your weekly grocery shop, managing your budget to cut back on unnecessary expenses or saving for a specific financial goal, even simple changes can provide a big boost to your bottom line. Money-saving apps are an extremely useful way to help you take control of your finances, and if you pair the right app with a savings account that pays a competitive rate of interest, you can sit back and watch your balance grow.<\/p><h3>Bottom line<\/h3><p>Money-saving apps come in a variety of styles. Some invest your spare change, some offer cashback on purchases, and some provide easy access to coupons, promo codes and discounts. The best money-saving app for you depends on your financial goals and how you spend your money. Compare a range of apps and start your savings journey today.<\/p><h3>FAQs for money-saving apps<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">What is the app that rounds up change in Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Moka, formerly Mylo, is a savings and investing app that automatically rounds up and invests spare change from your everyday purchases. For example, if you buy a coffee for $5.50, Moka rounds the purchase up to $6.00 and invests the remaining $0.50 in a portfolio of ETFs chosen based on your financial goals and risk appetite.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What is the piggy money saving app?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Piggy Goals: Money Saving is an Android and iOS app designed to encourage you to save money. It offers a piggy bank where you can stash cash at any time, plus the ability to set daily, weekly or monthly goals. You can then monitor your progress through the Piggy Goals app.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Do I need a good credit score to use money apps in Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. You don't need to have a good credit score to use the money-saving apps Canada has. These apps are typically available to everyone, and many are free to download.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Are money-saving apps safe?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, money-saving apps are safe, provided you only ever download apps from reputable developers. Make sure you shop in the official app store for your phone's operating system, and check independent customer reviews before downloading.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000004\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000004\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Explore the best cashback apps Canada has to boost savings and make smart everyday purchases.<\/p>\n","protected":false},"author":516,"featured_media":1059822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"1395","post_co_author_date":"2026-04-20T09:23:54","post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"1275","post_editor_date":"","post_author_date":"2023-06-25T22:14:48","post_author_manual_date_checked":"false","footnotes":""},"categories":[75278],"tags":[1431,13602,64948,5439,5848,13625,3837],"asset_tag":[],"class_list":["post-825771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-banking","tag-apps","tag-financial-planning","tag-investing","tag-latest-3","tag-money-post","tag-savings-account","tag-savings-accounts-2"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The 28 Best Money Saving &amp; Cashback Apps in Canada | Finder<\/title>\n<meta name=\"description\" content=\"Discover the best cashback apps Canada offers. 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For example, if you buy a coffee for $5.50, Moka rounds the purchase up to $6.00 and invests the remaining $0.50 in a portfolio of ETFs chosen based on your financial goals and risk appetite.\r"}},{"@type":"Question","name":"What is the piggy money saving app?","acceptedAnswer":{"@type":"Answer","text":"\rPiggy Goals: Money Saving is an Android and iOS app designed to encourage you to save money. It offers a piggy bank where you can stash cash at any time, plus the ability to set daily, weekly or monthly goals. You can then monitor your progress through the Piggy Goals app.\r"}},{"@type":"Question","name":"Do I need a good credit score to use money apps in Canada?","acceptedAnswer":{"@type":"Answer","text":"\rNo. You don't need to have a good credit score to use the money-saving apps Canada has. 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